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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      
    • 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.🙂
    • 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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Hillies/Restons claimform - mbna card 'debt'***Claim Discontinued***


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Willy waving

Ignore!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 months later...
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Hi

 

This has been quiet for a couple of months and in the week I got a letter from Restons

 

Proceedings were issued against you in line with instructions we received.

 

Our client has taken the decision to discontinue those proceedings ad we hereby enclose by way of service a Notice of Discontinuance which has also been filed with the court.

 

Please be aware that although the Claim against you has been discontinued, this does not mean that the debt has been written off or that you are no longer liable to repay it, Any adverse entries on your credit file will remain until the debt has been repaid or until 6 years have passed since the default was registered.

 

We are now closing our file. Any future payment or correspondence are to be sent to ME III Limited.

 

 

 

I want to say a HUGE thank you to everyone here that has helped with this...I know it's not gone away completely and Im not sure what happens next, but I feel it's a huge relief that Restons are closing the file.

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what happens next

you TOTALLY ignore them!!

 

well done

great win against the nasty restons!!

 

one up for CAG!!

 

dx

 

 

 

 

 

 

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Please help.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Excellent...a good result minkie.

 

Thread title amended to reflect the outcome.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 6 months later...

Hi,

 

Having heard nothing for 5 months I've just had a letter in the post...from Cabot

 

welcome back to Cabot

 

Your account was with our solicitors but we decided not to pursue legal action on your account at this time.

 

Your balance still needs to be paid, and we would like to help you do this by providing you with some options :

 

Monthly plan built around what you can afford or discount depending on your affordability you may be eligible for a discount on your balance.

 

Once you had settled your account you will receive a letter to let you know the account is closed,

 

contact us on xxxx

 

the balance has now gone up to £928.22 - can they add the court fees on???

 

any advice on what to do next?

 

thanks

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Add on whatever they wish...they wont be getting it :wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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ignore them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 year later...

Hi

 

So this has  been quiet Since Feb 17...till 7th March  when I got a letter from Resolvecall

 

Creditor DLC - MBNA

Cabot Financial (Europe) Ltd

 

We are acting on behalf of Cabot Financial (Europe) Ltd who have purchased you account from DLC - MBNA.

We have been instructed to contact you to out you back in touch with Cabot who will aim to find an amicable resolution which is affordable, based on your circumstances.

 

We would ask you contact Cabot Financial (Europe) Ltd on 0345 xxxx within 7 days to discuss this matter or if you prefer, we can send one of our representatives to make a personal visit to your home.

 

The purpose of this visit is to offer to assist you in contacting our client to discuss your account and offer personal support to review your options and to resolve the matter.

 

Please do not ignore this letter. Act now to have a positive discussion about your account.

 

Then their contact details..

 

 

Of course I just filed it with all the other paperwork.

 

BUT

 

I have just had a visit from Resolvecall. I had a neighbour in with me so denied anyone by this name lived here. He left an envelope with contact details and asked me to call.

 

HELP

 

what do I do???

 

TIA

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