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    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
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HPH2/Cohen Claimform - No proof of debt ownership,


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Okay check your defence above now.....I have edited slightly.

 

You can email the defence .

 

Regards

 

Andy

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  • 3 weeks later...

wait to see if they progress the case

they have 28 days from the service of your defence on 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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  • 2 months later...

Well, my defence was sent on 13th March 2017,

HPH2 came back with the Notice of Assignment around 4th April,

it is now 13th June, more than 28 days, and I have heard nothing further.

 

Might I presume that no further action is likely, or needed; and consequently where they "trying it on"?

tw,

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Well the claim will be stayed.....whether the claimant wishes to proceed in future is unknown subject to whether they have the documents or whether its financially viable ....time will tell.

 

Regards

 

Andy

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wait to see if they progress the case

they have 28 days from the service of your defence on them

 

Well the claim will be stayed.....whether the claimant wishes to proceed in future is unknown subject to whether they have the documents or whether its financially viable ....time will tell.

 

Regards

 

Andy

 

 

 

So, really, that 28 days means nothing as they can still proceed if they want?

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So, really, that 28 days means nothing as they can still proceed if they want?

 

Within a given acceptable time...we have known 2/3/years..but the longer they leave it the harder to convince a court....and dont forget it costs £255 to proceed after 28 days....always off putting for the DCA when they have to lose profit in their investment.

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if they had any reasonable chance then they would most likely to have acted already.

They would then have to have a good reason for not notifying the court on time, and I have not had any indication of any.

 

They took it almost to the line before the debt became statue barred anyway (8% apr statutary interest)

 

My thoughts then are:

realistically,

then the probability of a DCA persuing at this stage is quite low,

but I should just be aware that sometimes they might.

 

I'll give it a few more months before reporting again (maybe then "close" this thread)

Thanks again

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Any other DCA pursuing is unlikely as the debt is subject to litigation even though stayed..and we dont close threads :wink:

We could do with some help from you.

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std course of action for a speculative claim outcome really.

 

 

they hoped for a non contested default rubberstamped judgement

whereby no human looks at anything

you found cag....

 

 

now go enjoy your life

 

 

dx

 

 

 

 

 

 

 

 

 

 

in restaurants people tip the waiter.....

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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  • 9 months later...

Its a good idea not to close threads. OK, the saga goes on as per post #23 nearly a year on as my defence was submitted about 13th March 2017 (post #30)

I've managed to recover a frame of mind to deal with it (having just delt with a unrelated legal matter).

They have reopened the claim and there is a court date on 23rd March (Friday)

I'm not panicking, just looking for an angle to present at court.,tw

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If you know the date " court date on 23rd March " ...then you must have submitted a DQ and received a Notice of Allocation (N157)...which contains the directions for both parties to prepare for the hearing.....which involves submitting your standard disclosure and witness statements by the dates stated......have you read your Notice of Allocation......properly ?

 

This is what happens when you dont regularly update your thread.

 

Failure to comply with directions could lead to your defence being struck out.

We could do with some help from you.

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err... no, I thought that was for criminal proceedings. No one has told me to write one.

What might that ential in this case? ,tw

 

In your case, as defendant, it will outline any matters you wish to use in defence of the claim. i.e. why the claimant should not succeed with their claim.

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Righto, I'm just getting flummoxed by procedural terminology - that was done as per post #23; I gather that equates to my written defence (N149?)

 

I do not believe I have had a notice of allocation, but have had a notice of hearing (N24).

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Scan and redact and upload everything you have received from the court since submitting the defence.

 

N149 /N150 is the Directions Questionnaire which allocates the claim to track and transfers the claim to your Local County Court.Then you receive the N157 Notice of Allocation.

 

N24 is to inform you of Judgment or Court Order.

We could do with some help from you.

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could this not now be argued this is statute barred?

and the claimant solely issued the claim to stall the clock when they had no paperwork nor ever intended too hoping for a default non contested judgement?

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

These are the latest two documents received from the court.

NB. My defence was submitted 13th March 2017.

 

dx: good call, how might I present that in court?

,tw

GeneralFormOfJudgement.jpg

NoticeOfHearing.jpg

Edited by Turning Worm
date error
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Ring the court and ask what the hearing is for.

We could do with some help from you.

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No...this is separate to the normal process...it could be a case management conference to decide how the claim will be allocated...or it may be a hearing on application of the claimant to lift the stay and strike out/request summary judgment.

 

By repeat documents I hope there wasn't an application notice N244 ?

We could do with some help from you.

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I've just called the court who read the memo: "given the defendant's need of reasonable adjustment to participate, please list for allocation/directions"

So, I take it that this is an Allocation Hearing rather than a final hearing?

No, there was not an N244 included.

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Case Management conference then...not the trial hearing.

 

" given the defendant's need of reasonable adjustment to participate "

 

Did you put something in the DQ to prompt this ?

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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