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    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
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Carter / Fredrickson chasing old-Littlewoods cat debt


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Yes, this is all the same issue - I have the materials from the SAR but I lacked the mental space to deal with it any further as it was so incomprehensible, and now I've got a CCJ heading towards me. Utterly bewildered by all of this.

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Yes, this is all the same issue - I have the materials from the SAR but I lacked the mental space to deal with it any further as it was so incomprehensible, and now I've got a CCJ heading towards me. Utterly bewildered by all of this.

 

are there any details re the last payment and details re the default by the original creditor.

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are there any details re the last payment and details re the default by the original creditor.

 

Not that I can see - I need to have another look through it tomorrow but I remember not being able to find anything about the last payment,which is what I wanted to challenge Lowell originally.

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Have Lowells actually defaulted you, or have they simply updated the credit files and the Original creditor defaulted you at an earlier date ?

 

The fact is, that Lowells cannot default you as they are not the original creditor.

 

If you are absolutely certain that you have made no payments since 2006, then I would suggest the statute barred letter in the link below would be the best course of action for you to take.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**(1-Viewing)-nbsp

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Have Lowells actually defaulted you, or have they simply updated the credit files and the Original creditor defaulted you at an earlier date ?

 

The fact is, that Lowells cannot default you as they are not the original creditor.

 

If you are absolutely certain that you have made no payments since 2006, then I would suggest the statute barred letter in the link below would be the best course of action for you to take.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**(1-Viewing)-nbsp

 

 

Hmmm.. Lowell has applied the default as far as I can see (as in, on my credit file they're named as the creditor.

I had a look through the SAR info from the original creditor yesterday, and it seems to suggest I made payments by Direct Debit in 2010, but these payments all appeared to be for Zero, and then the balance went UP by £12 each month (a missed payment fee I assume). I'm now looking to get old bank statements to prove I had no active direct debit and made no payment, so I'll tackle Lowell.

 

But for now I just need to keep Brian Carter off my back. He'll have received the CCA this morning so I'll await my post with treidation next week!

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their logs shld show all things in/out, including default notice and when it was closed out.

yes, seems the 12£'s wld prob be re a missed payment 'fee' if no payments.

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Hello All, just to let you know I've received the following from Brian Carter this morning:

 

We confirm the letter you received was a Letter Before Action and no court proceedings have been issued as yet. In any event this matter would most likely be allocated to the Small Claims Track and Part 31 will not apply.

 

In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you.

 

It is the orginial creditor's policy to issue agreements at the start of the contract and statements thoroughout the duration of the agreement and in this regard we ask you to refer to your own records.

 

So.... what do I reply to that with? Sounds like I'll be receiving court papers sooner rather than later, doesn't it?

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usual nonsense from Farters, they do know until allocation then CPR 31 applies, the rest is just farcical letter wording they always press button !B! and churn out see what arrives next in the pantomime season at Farters.

 

do nothing as all letter ping pong to the idiots is a waste of time as they cannot read/digest, do not forget those people who delve in this dirty so called solicitors for hire business are not fit for any other proper job other than align with more crooks! and if the CCA1974 is outstanding then that is it for now.

 

 

as this country has gone to the dogs due to the Money Sickness Syndrome what can one expect from top to bottom!

:mad2::-x:jaw::sad:
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Hello All, just to let you know I've received the following from Brian Carter this morning:

 

We confirm the letter you received was a Letter Before Action and no court proceedings have been issued as yet. In any event this matter would most likely be allocated to the Small Claims Track and Part 31 will not apply.

 

In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you.

 

It is the orginial creditor's policy to issue agreements at the start of the contract and statements thoroughout the duration of the agreement and in this regard we ask you to refer to your own records.

 

So.... what do I reply to that with? Sounds like I'll be receiving court papers sooner rather than later, doesn't it?

 

That is a standard letter in response to a CPR 31.14 letter, which you only send if a court claim form is received. It puts the claimant on notice that you expect to be provided with any documents mentioned in their claim.

 

From what i can see, you were just advised to send the CCA REQUEST, which is presumably what you did ?

We could do with some help from you.

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Yes.

 

So just wait and see what happens. The outstanding CCA request should put the off issuing the claim, but if they do, then you defend it. Report back when you hear any more.

We could do with some help from you.

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