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    • 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      
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    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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Re: How to quantify losses for an irregular CCJ?


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I had really bad luck with a letting agent.

 

 

We went once to Court, that now finished.

It's only important because he had my correct address used during that claim.

 

In 2014 he made a new claim against me and gave an arbitrary address for me, not the correct one.

I didn't get any Court papers, but I had a CCJ entered against me.

 

I was refused the re-mortgaging of our home, a new phone, a loan to take advantage of a property opportunity.

 

The CCJ was set aside, but it cost me the fee and time wasted in Court, plus the bad credit and distress.

 

I want to make a claim for damages, but I do not know how to quantify the loss.

How do I put a £number on all the damage?

 

Can anyone help, please?

 

 

I have until Friday to file a counterclaim.

 

Many thanks

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Hi Beagleandrobin2 and welcome to CAG

 

I have created your own thread...please continue to post here .

 

Perhaps give a details of the problem and why the claim was issued..the claimants particulars of claim and your intended defence to get further advice.

 

Regards

 

Andy

We could do with some help from you.

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Hi Andy,

 

Thanks for getting back.

 

During the Hearing to 'set aside' I proved that the claim was fraudulent,

as I was not transacting with claimant and owed no money.

 

 

For lack of evidence from claimant that I owed him money, claim was dismissed,

 

 

but I was given permission to counter claim.

 

 

That's why I need to meet the deadline.

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If the claim was dismissed ..how can you counter claim?

We could do with some help from you.

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Counter claim or allowed to claim wasted costs ?

We could do with some help from you.

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Hi,

My claim would not be just for wasted costs, but for the loss the wrong CCJ caused by the agent's action caused me.

 

How do I put a £figure on this loss? Has anyone done this to tell me where to start? Monday is my deadline.

 

Thanks

 

Where did he get this other address from?

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Well lets start at what financial loss you have suffered by having the CCJ registered against you...only you can provide that figure.

We could do with some help from you.

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Here's a list of financial opportunities that I missed out on because my applications were declined:

- could not remortgage our home to use the equity to buy a flat - Jan 2015 price was £ 269,000. Now it is £320,000.

- could not take out a loan (£15-18,000) to pay for house improvements.

- could not get a new mobile phone contract

- could not open an ISA account

How do I move forward from here?

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What actually losses have you suffered though?

 

 

ISA - You can open one now presumably. Maybe some small amount of interest you missed out on.

New Mobile Phone - Was the new contract less than your current one? When your current contract expired could you not have switched to pay as you go etc?

Loan - Can't you take out the loan now? How has this caused you a financial loss?

Remortgage - Are there no other flats available now that you can afford?

 

 

Remember you have a duty to mitigate you losses.

 

I would still be interested to know where the Claimant got this random address from? Was it an old address of yours or something?

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Hi Ganymede,

I don't believe you realise the level of frustration I and my family went through during all these financial refusals, then two hearings, money spent on applications and loss. Why should I have to go through this due to a rogue agent?

I'm sorry, but your answer is not helpful at all;in fact, it's irritating. Put yourself in my shoes! Unless you can offer some advice regarding my question, I will not reply to you.

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Beagleandrobin2 have you received any paperwork since the claim was dismissed from the court ...General Order or Directions with regards to your claim/counterclaim/wasted costs as its a little confusing as to how a judge can dismiss a claim and then state you can issue a counter claim...if you didn't initially issue a counterclaim with your defence.

 

Not doubting you but its important to understand what format we are to provide advice.

 

Regards

 

Andy

We could do with some help from you.

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Hi Ganymede,

I don't believe you realise the level of frustration I and my family went through during all these financial refusals, then two hearings, money spent on applications and loss. Why should I have to go through this due to a rogue agent?

I'm sorry, but your answer is not helpful at all;in fact, it's irritating. Put yourself in my shoes! Unless you can offer some advice regarding my question, I will not reply to you.

 

I'm not interested in your frustration as unfortunately the Court's won't compensate you for this.

 

I'm interested in what financial losses you can verify and prove.

 

Your time and Court fees are classed as disbursements and not "special damages" (aka your financial losses).

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Hi Andy,

Agent wants to pursue a new claim and on this basis I got permission to counterclaim for the damage caused by his initial bogus claim. If 'counterclaim' is the incorrect word, then I'll file a claim for damages, but my problem is how to quantify the above-mentioned loss?

 

I hope this is clearer.

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Okay still no wiser ...you state you have to submit this by friday....can you scan in and upload the court paperwork that directs this.

We could do with some help from you.

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Sorry, I cannot. The Order says that if there is a counterclaim, it has to be filed by Friday 12 Feb.

 

I'll give an example: In Jan 2015 I paid £2000 reservation fee to buy a flat for £ 269,000, which I could not buy due to the CCJ. Now it is £320,000.

How much can I claim in damages for this lost opportunity that cost me £50,000?

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Ok so the Claimant issued his first claim which was dismissed.

 

He's now issued a second claim and you've been given permission to file a counter claim in this action but relating to the original dismissed claim?

 

Is that right?

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Counter claim or allowed to claim wasted costs ?

 

My understanding is : Wasted costs (rather than costs, or costs on an indemnity basis) is a costs order against the other side's legal representative for their misfeasance (and can be applied for by a party

against their own representative).

CPR 46.8

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part-46-costs-special-cases/practice-direction-46-costs-special-cases#5.1

 

When you say "wasted costs" do you mean "a costs order against the other side" or "a costs order against the other side's legal representative rather than against the other side" ?

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Hi Ganymede and BazzaS,

 

Ganymede, you are right. Iam not getting into 'wasted costs', as this is not what I want to claim for.

I want to counterclaim for the financial loss caused by the wrong CCJ brought about by his first bogus claim. Just one example: flat was £269,000 in Jan, 2015 and now it's £320,000 in the same development. So I lost £50,000. What is reasonable to claim for? £10,000? 20,000? The fee for filing is pretty high, so I woouldn't want to waste money. Realistically, would the Court award me losses in the amounts above? I need to decide today.

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