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    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.    Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.   The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved.  Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
    • You can use a family's address.   The only caveat is for the final hearing you'd need to be there in person   HOWEVER i'd expect them to pay if its only £200 because costs of attending will be higher than that
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CEL/? Claimfprm - PCN Over stay - Soho Road Car Park, Birmingham


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Name of the Claimant: Civil Enforcement Ltd

Date of issue: 13th January 2017

 

 

Date to acknowledge = 31.01.2017

 

 

DAte to submit defence = 4pm 14.02.2017

What is the claim for:

 

1.The Claimant claims the sum of 248.05 for Outstanding debts and damages including 12.05 interest pursuant to S.69 of the county courts Act 1984. Total debt and interest due - 248.05.

 

I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.

 

What is the value of the claim? £323.05 including all costs.

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim: Only Civil Enforcement Ltd are mentioned, no mention of creditor or account being assigned

Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I didn't even receive a letter before claim.

I have attached the claim form and the separate particulars of claim form (dated 24 January 2017).

 

 

The particulars were sent after I acknowledged the service.

(I have attempted to upload redacted version but correct me if its not all correct!)

 

My first question is how long do i have to submit my defence/skeleton defence?

 

A claim was issued against you on 13/01/2017

Your acknowledgment of service was submitted on 22/01/2017 at 14:55:15

Your acknowledgment of service was received on 23/01/2017 at 01:09:20

The website states

Before you can file a defence to the claim against you, you must make sure the following apply in your case:

 

you are filing your defence within 14 days of service of the claim on you (a claim is considered served on the fifth day after it is issued)

or

where separate detailed particulars of claim were served, within 14 days of service of those

or

if you filed an acknowledgement of service, within 28 days of service of the claim (or separate particulars)

 

 

Hey knowledgeable ones.....

 

I was hoping you are able to help advise me on the next steps in the scenario below.

 

As they sent a separate particulars of claim dated 24 Jan

- am i correct to assume i have 28 days from this date to submit my defence?

 

Secondly i have not recieved a letter before claims.

Nor do i recall the NTK - although this may been sent i would like to see if its valid and also i can't see any evidence specifically any images of the vehicle alleged to made the contravention.

 

 

So how am I supposed to accept their allegations - based on their nothing but their words?

 

Do i send a CPR requesting evidence and if so do i include in the above points.

 

 

I have seen the template CPR request but can i include the above in it and if so how best to word this please?

 

 

I suppose the skeleton defence can be addressed later after the CPR

 

 

but any thoughts welcome! If you have any links you can direct to me that might help that would be most appreciated also

 

Many thanks

COURT LETTER.pdf

PARTICULARS OF CLAIM.pdf

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filing date is 14th

get the cpr running

you don't need to adapt it

 

 

bit late to come here

you've lost 22 days of your 33!!

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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WHAT!!!!. You have sat on this for the last month.

You are not new to this forum and presumably capable of reading other postings

so you should be aware of timings and what you need to do is nothing to do with what they get up to,

you will lose by default because you cant be bothered to read a form properly.

 

 

The form said you have until a date and that is that.

You need to file a defence and fax it (or use MCOL) to the court TODAY or you will lose, regardless of how rubbish their claim is.

 

The simplest defenec is that "the plaintiff has shown no cause of action against the defendant

 

 

that the particulars of claim are so vague as to give no indication of what this may be.

 

 

It is denied that there has been any contractual relationship between the plaintiff and the defendant and the defendant puts it to strict proof that such a contract ever existed"

 

That will do until you have to submit a full defence,

in the meanwhile you have to start using some sense and tell us all about this event.

 

 

If it is from another posting then you should have continued on that thread rather than starting a new one and confusing matters.

 

dates times places, sight of all of their letters etc, sight of the POC.

 

Also get you CPR 31.14 request for documents in to them,

there is a standard layout for this so just copy it.

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already knows full well what to do eric

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?466041-Park-Watch-(Defence-Systems-ltd)-Gladstone-claimform-PCN-Now-£234.87

 

 

dx

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

The winning or losing is in the detail im many cases,

even the common meaning of a word can be the decider

so better to get something down in writing before the clock runs out

and then the OP can tell us all of the missing information that is needed to make the slightest sense of this particular claim.

 

 

CEL are out and out bandits,

they cant even remember to fill out their Companies House forms properly so as to make them legal,

 

 

dealing with them here may end up with a walkover as they dont like to appear anywhere in daylight

 

 

but that doesnt mean telepathy works all of the time so give us some insight into this eh OP?

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Hey all

 

Firstly just to clarify

this is not from a separate posting and has nothing to do with any previous post i have made on this website.

 

 

It is separate claim that has just come to my attention after I received the claim form attached to the original post.

 

I have not sat on it for a month.

I did not want to post here when,

as you will see in the original claim form,

there was nothing useful in it and only stated they will send a "separate particulars of claim within 14 days".

 

 

I thought i would wait for this before proceeding.

They then sent the particulars of claim in the post

(dated 24 Jan- received around 27th)

so it has not been very long at all since then that i've posted up all the details here.

 

On the MCOL website it says that Before you can file a defence to the claim against you,

you must make sure the following apply in your case:

 

you are filing your defence -----

if you filed an acknowledgement of service, within 28 days of service of the claim (or separate particulars)

 

Now as they served separate particulars dated 24 Jan + 28 days - my understanding is that i have until 21st Feb.

 

My question was is that correct.

If not and we are going with the date on the claim form then i understand i have until 14 feb

--- and i don't have to submit the skeleton defence by today do i????

 

Second question was

if all they are relying on in their particulars of claim

then this surely cannot be enough to convince a judge that i am liable for any charges.

 

 

Are they able to bring evidence at later stage that they have not included in their original particulars?

 

 

This is why i want to know if i should request these from them at this stage using the CPR

- such as copies of the NTK,

the contract,

the letter before claim -

-- because i have not seen any of it

 

 

i would like to review these before submitting my defence

or is it best not to mention it and just submit a standard CPR template and submit a skeleton defence quite simply as you've stated that the plaintiff has shown no cause of action against the defendant ??

 

Unfortunately there is no further insight i can give to this as i can't seem to work out what this is about - no other correspondence.

All i have and know is what is attached to the original post!

 

Thanks

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I wouldn't give them the availability of screwing you over

 

 

I would file by the 14 th and you should have gotten CPR off regardless.

 

 

dx

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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Yes good point, i will get the CPR off in the morning and aiming to file by 14th.

 

 

Have contacted the parking prankster who agreed to help me with it so hoping for a better round this time!

 

I would love to put in a counter claim just to really teach these buggers a lesson!

 

 

let me know if you have any advice on that and if you think its worth it........

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well please don't pay any money to resolve this to anyone...........

 

 

if recompense is gain able by whatever method via the court i'd always go for it.

 

 

normally you'd not get redress

but as we've seen time and again

they don't stick by the rules so why should you.........

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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you misunderstand the filing dates so that s why i said file today, so you dont screw up by relying on faulty assumptions.

 

Whatever you say is not reliant on anything they say to get the idea that they are somehow linked out of your head.They dont have to prove any of their claim is ture if you dont defend it. That is for the day, you have to do what you need to do now and if they failt o do what they need to do you complain to court about the procedures not being followed,

 

you dont wait for them to sned you the right stuff, they wont, I have alrerady told you that they are crooks and will produce all sort of paperwork that is just generated on their computer rather than being genuine documents.

Edited by honeybee13
Paras.
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You have been given a suitable skeleton defence- that the plaintiff has shown no causel of action against teh defendant and the particulars of claim as so vague as to fail to comply with CPR 16.4 and that you request the claim be struck out under CPR 3.4 (2) a

That will do for the moment, the sooner you get this in the better, dont give them the time to challenge it.

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