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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
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    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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Lowell/cohen claimform - old orange mobile 'debt'***Claim Discontinued***


Pepe2004
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I received a POC from Cohen /Lovell on an old orange account

 

Submitted acknowledgement of service via MCOL,within the time frame

 

,i have now as i understand it to be , to also submit my defence before 28 days via MCOL

1:Whilst reading the posts i also have sent a CPR 31.14 request to the solicitors

2:Sent a Consumer Credit Act 1974 request to lovell included £1

3:Sent a SAR to Orange included £10

All above sent and awaiting responces

 

Today received a letter from solicitors of claimant stating the following:

 

NOTICE OF PENDING CCJ

You are aware that we have issued legal proceedings against you in the Northampton court

As you have failed to respond with proposals for payment or provide any valid explanation why the debt should not be paid ,we are now instructed to enter judgment against you

 

I order to prevent judgment from being entered ,you should pay £xxx within the next 7 days

Received letter on the 10th Feb and have till today as per date of letter if i take the 7 days counter

Any advice would be helpful

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Thread moved to Financial legal Issues..please continue to post to your thread here.

 

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

 

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NOTICE OF PENDING CCJ

You are aware that we have issued legal proceedings against you in the Northampton court

As you have failed to respond with proposals for payment or provide any valid explanation why the debt should not be paid ,we are now instructed to enter judgment against you They cant...you have acknowledged the claim and submitted a defence

 

I order to prevent judgment from being entered, ( which they cant...see above... and are blatantly misleading you )you should pay £xxx within the next 7 days

 

 

Received letter on the 10th Feb and have till today as per date of letter if i take the 7 days counter

Any advice would be helpful

 

The above is a template threat they use when a claim is stayed in order to get you to panic as you are now

 

Andy

We could do with some help from you.

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So lets get cracking on a defence and get it submitted...what date is on your claim form?

 

Can you read the following and then copy and paste the Qs and your responses back here to enable assistance with your defence.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(2-Viewing)-nbsp

We could do with some help from you.

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Name of the Claimant ?Lowell portfolio ltd

Date of issue – top right hand corner of the claim form 13th january 2017

 

What is the claim for – the reason they have issued the claim?

.

1:The claim is for the sum of £510 due by the defendant under a Orange account with account reference xxxxxxxxx

2:The defendant failed to maintain contractual payments required under the terms of the account agreement

3:The debt was legally assigned to the claimant on 27th sept 2013,notice of which has been given to the defendant

4:The claim constitutes statutory interest under S.69 of the county courts Act 1984 at a rate of 8 % per annum from the date of assignment to the date of issue of proceedings in the sum of £41

The claimant claims the sum of £551

What is the value of the claim? £681

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account?

Mobile phone account with Orange

 

When did you enter into the original agreement before or after 2007? after 2007

 

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. Lowell

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

Honestly cannot remember if i did receive a notice of assignment

 

Did you receive a Default Notice from the original creditor? Cannot recall this

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments?

Dispute with contract as lost my job and was unemployed from 2009 to 2014 so could not make any payments

 

What was the date of your last payment?

cannot recall hence i submitted a CPR 31.14 On the 30th january 17

 

Was there a dispute with the original creditor that remains unresolved?

Lost my job and was on JSA so could not pay ,asked to stop contract as could not afford it ,also asked them to send me what balnace they had ,they only told me on the phone ,cannot recall what the balance was

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementlink3.gif plan?

Spoke on the phone to say i was unemployed and was in financial difficulties ,arrears on mortgage ,utilities etc they did not want no about debt management plan

What you need to do now.

I have already sent on the 30th jan 17 recorded delivery the CPR 31.14 to solicitors,and have not received anything back ,all i got was the template letter from number 1post.

Sent Consumer Credit act 1074 to the solicitors to pass to lowell with £1 ...no replies to date

Sent SAR to orange customer services address

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Okay so your defence is due tomorrow.......

 

Couple of points...you cant utilise a section 78 request for a mobile phone agreement/contract...they are not covered by the CCA1974.

 

In the meantime ring Orange using the account number and ask if they can tell you the last date of payment.

 

Regards

 

Andy

We could do with some help from you.

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get on the phone to orange PDQ

last payment date...

 

 

its better to file the Statute Barred defence if we can rather than the one on that other thread you've posted on.

as SB will kill the claim dead

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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thank you will be on the phone to Orange now EE to get last payment date ,and get back to post

 

called orange they refuse to give me last payment date or amount paid ,they said call debt collection agency who they were not prepared to say who they were .....

 

do i call lowelifes to get this info ,i will wait your advice

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NO!!

you never call a fleecing DCA

they are not bailiffs

 

 

go ring orange/EE again ask why they wont give you the Info

under dPA law they MUST hold data for 6yrs.

 

 

 

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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^^sorry missed your other post

 

under dPA law they MUST hold data for 6yrs.

 

so go ring again and ask what does closed mean?

does that mean its outside of 6yrs?

 

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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Well the debt was assigned to this crew in Sept 2013...3 years 4 months a go...do you not recall when you entered the agreement ? You state you was unemployed from 2009...did you stop payments same year...if so its statute barred.

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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ok will call again and state 6 year data held ,no surprise i did not receive anything from orange despite sending SAR

 

i think i stopped payment once i was unemployed but not really sure ,

i understand its not much help .

 

Called orange again and they cannot tell me anything ,and stated they cant tell me anything ,and hung up the phone

 

called again same thing different operator stating we dont have that account on our system and cant help you

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anything on your credit file?

 

check them ALL

noddle clearscore Experian Equifax all I think are now free

 

sometime there is a payment history

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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And with respect Pepe you have had this for over a month now and left it until the day before your defence is due.....

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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thanks ,will check when home and post

 

yes ,you are absolutely correct ,facing the chamber and crying for help as they say

 

checked credit files as follows:

Equifax :account started 3/11/2010 default date was 05/03/2012

default delinquent £312

date another update on the credit file shows 08/02/2017

Current balance £680

 

Experian states account started 3/11/10,

default 05/03/2012

default balance £312 ,

Balance amount £509

updated 01/12/2013

 

hope this helps

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look on noddle please

 

 

there is usually payment history under the pulldown menus

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

checked all credit files no last payment dates ,only Default 5th march 2012

 

So you continued paying a further 3 years whilst unemployed ?

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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Okay well I think we can rule out statute barred.

 

You will have to submit a holding defence which puts them to strict proof...plenty of examples in the Legal Success Forum.

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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ok ,i will look at those now

 

Okay well I think we can rule out statute barred.

 

You will have to submit a holding defence which puts them to strict proof...plenty of examples in the Legal Success Forum.

 

Any ideas which success legal forum will be relevant to my case as i do not want to send a wrong one ,if you could assist i would be grateful ,i will then enter the amounts ,and relevant info to my defence

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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

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