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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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PRA Claimform - Halifax credit card debt ***Claim Dismissed***


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std letter they always sent just to intimidate you.

 

go read other pra claimform threads.

 

dx

Edited by Andyorch
edited

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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Thanks guys.

 

Yeah, working my way through some of the existing claim form threads as much as I can.

 

Going back to the SAR from post 85, I wrote back to the Gresham office of Lloyds last week basically saying that I have been sent documentation from PRA and needed to verify it's authenticity and whether there was anything they could do to help. I also included the PRA document pack and the letter that Lloyds sent in response to my SAR.

 

I feel doubtful that anything will come back from it. Without the SAR I worry that I won't be able to challenge the account statements effectively.

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Forget Lloyds and DSARs its irrelevant to the claim..you are defending against PRA and what they can disclose to substantiate their claim.

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Ok, so I've just received a DQ N180 form along with an EX730 form for this. As far as I can work out from other threads and reading the form:

 

1. I need to complete the form and send a copy to the court;

2. I need to serve a copy on PRA (with phone number, signature and email address redacted);

3. I need to agree to mediation as it looks better for me.

 

Things I am still unsure on:

 

1. It is assigned to the small claims track - this seems to be correct but not entirely sure;

2. Do I need to serve a copy of the EX730 on PRA, or just the N180? - from what I see on the N149A notice it is just the N180.

3. On the EX730, I can tick "YES" for "agreeing to be flexible in hearing the other parties viewpoint", but when it comes to the statement "I can confirm that I have enough information about the claim to allow me to enter negotiations", I can't tick "YES" as they haven't supplied the information requested in the CPR 31.14. Should I just be using the information that they supplied in the PAP?

 

Other than that, the form looks pretty self-explanatory and easy to fill out as I don't have any witnesses or expert evidence and don't currently have any dates that I can't make for a hearing.

 

Thanks again

AM

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you go along with mediation answering yes thus entering into the spirit of it all to give them time.

if however when the actual phone mediation takes place, you still don't have enough information to make informed decisions ...its then you answer no to the questions which are asked again at the start of the call.

 

yes to mediation

1 wit you

the rest is obv

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

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 month later...

Hi all,

 

I have just received the paperwork through from the court to say that a date has been set for the hearing. However, I was never contacted about mediation. Does this mean that it is not going to be happening? Is this normal?

 

Thanks

AM

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Looks like it has gone straight ot allocation....I see you agreed to mediation possibly the claimant declined.

 

So what you have received is a Notice of Allocation N157 ?

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

 

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According to the documents that the claimant served on me, they accepted mediation also. Not sure what has happened here! But yes, I now have an N157 form. The court require documents that are being relied on to be submitted 14 days prior, so up til now there has been no disclosure of these documents. Is it a case of just waiting til 14 days beforehand in order to see what they are using?

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Documents from the both of you.....copies of your CPR and CCA requests and any responses...also if you read further you and they will also have to prepare a statement to file and serve by the dates stated...IE 14 days pre hearing. 

We could do with some help from you.

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Thank you. I wasn't sure about the statement part from my end as I don't really have much to say! I will make an attempt at putting something together. Once I've done, would you mind taking a look to see that it is suitable?

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No problem...plenty of examples of witness statement already here in this forum and the Legal Success forum.

We could do with some help from you.

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  • 2 months later...

Hi all,

 

I've been waiting to see if PRA intend to go through with the hearing and have waited until I knew that the court fees had been paid and that the court hadn't struck out the case for non-payment.

 

The payment deadline passed a couple weeks back and I checked with the courts and they have indeed paid the fees.

I'm guessing they feel quite confident that they have a good case!

now I need to put together my witness statement.

 

My issue is that I'm unsure how to proceed in constructing a meaningful witness statement for my hearing when I don't know what PRA have to say for themselves/what documents they are using.

 

And I fully expect that PRA will either serve me their stuff at the last minute, or purposefully late!

 

What should I do in the meantime?!

 

Thanks!

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Doesnt mean they're confident.   

They do this on a handful of cases hoping that the other side crumbles and collapses and pays up. 

 

Keep going as you should.

Get all your paperwork in order and follow all court timelines.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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plenty of card claimform witness statements here already to give you an idea

use the custom google search box on the left after clicking our top CAG logo

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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On 18/06/2019 at 19:44, renegadeimp said:

Doesnt mean they're confident.   

They do this on a handful of cases hoping that the other side crumbles and collapses and pays up. 

 

Keep going as you should.

Get all your paperwork in order and follow all court timelines.

 

Interesting. Is it possible that they may not even attend the hearing? It does seem like a lot of hassle/cost coming to my 60 min hearing all the way up in the north of England when they are based way down south!

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they'll pay for a locum to represent them..

if they think the cost is worth it.

or disc the claim..

but PRA can be a dog with claims and rarely let go

esp as there are two defendants..one might slip up somewhere.

the devil is in the detail of yours and their witness statements..

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... 

Link to post
Share on other sites

 

Ok thanks,

 

However there aren't 2 defendants, just me. As far as I can see from the witness statements I have read online, all I can do is base mine on the PAP documentation that I was sent previously as this is all I have! I am spending the next few days constructing something that I hope will be acceptable!

 

I like to be mentally prepared for all outcomes, so assuming that I get the judgement against me to pay, there is no way I will be able to pay the full balance as I don't have that kind of money!

 

So, I would then be petitioning the court to pay in installments, which I am sure PRA will object to.

What is the likelihood that the Court will accept my application to set monthly payments, and how much is this likely to be (noting that I have zero income, nothing reasonable to speak of in my bank account, am not currently in work, and do not own a house)?

 

Surely if I can't pay, and I have no income, savings or assets, the Court will have no other option than to accept my request to pay in monthly installments?

 

Thanks

AM

 

 

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they cant refuse your payment offer.

but the fat lady hasn't sung yet

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

They can and probably would...but the court will override and set it at a an affordable amount. 

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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Your statement is mainly about an overdraft...not a credit card?

 

3. As such, a CPR 31.14 request pursuant to sec 61 B of the CCA1974

 

a. The Default Notice (Notice served under section 76(1) and 98(1) of the CCA 1974;

 

5. The claimant, as an Assignee, would not be able to legally issue a Default Notice as the debt would have already been terminated before assignment. Therefore, I was expecting to receive the original Default Notice served under 76(1) and 98(1) of the CCA 1974.

 

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

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

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Ah yes, I was using a few different examples from overdrafts to loans. Will change those to the correct legislation! Thanks! Is there anything else that would be useful to include? Is it just me, or does this seem quite weak and unlikely to be successful?? 

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