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    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
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Lowell/bw claim form - old SimplyBe JDW CAT 'debt'***Claim Discontinued***


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:thumb: Not all claims require a Skelly

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All posted, special signed for delivery by 1.00 pm tomorrow. Next stop Skeleton Argument bullet points. Probably going to have the evening off!

 

Edited: Sorry Andy I posted the above before I saw your post.

 

 

I thought a Skeleton Argument was sort of my notes on the WS

- bullet points - to remind me of my main arguments?

 

 

At the moment I feel like I have read through that WS so many times that I'll be able to recite it

- but that will probably change in front of a judge!

 

 

What do you mean that not all claims require one?

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Probably going to have the evening off!

 

Can I also :wink:

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Think you definitely deserve it Andy. I edited my earlier post but probaby too late for you to see it.

 

What do you mean that not all claims require a skeleton argument?

 

Was mulling it all over on the way to the Post Office

 

 

- my main legal arguments are (?)

Hearsay on their part,

Statute Barred,

No Default Notice,

lack of compliance with CCA/CPR requests (back up of suspect documentation)?

 

 

If the judge decides to go down the 'probabilities' route

then the probability is that with their hearsay documentation,

reconstituted agreement, terms, letters and very generic list of transactions, and a claim of a default notice which appears to not exist, that debt (if it exists) could belong to almost anyone.

 

 

Also there is a probability that,

realising the imminence of statute barred for this alleged debt,

they decided to have a last ditch effort to pursue the debt,

and recoup far more than they paid for it when they purchased it,

even though they were outside the statute barred timescale.

 

 

Am I on the right lines here, or is that too inflammatory?

 

Which reminds me...

I keep forgetting to say this,

but the debt has dropped off my noddle account at the latest monthly snapshot yesterday.

Wish I had remembered to say that earlier.

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of no importance

just means the default reached its 6th birthday

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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Have been so focussed on the WS that I just realised I don't really know much about the potential outcomes of all of this!

 

from what I can gather, the possible outcomes:

 

Discontinued by Lowell/BW before the date

 

On the day:

If they don’t turn up – dismissed/struck out (is there a difference) or ruled in my favour?

 

If they do turn up: dismissed/struck out; ruled in their favour; ruled in my favour

 

If dismissed/struck out/discontinued or in my favour, can I claim costs and if so do I have to prep this in advance?

 

Don’t want to spend time on it in advance unless I have to

, or if there is a real advantage,

 

as if I lose

, I will feel that I have given them even more!

 

I have had a look at a few threads re costs, but they mainly seem to be quite old.

 

There are references to special court forms for this,

but also some people seem to favour simply an itemised statement/list to take to court.

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Its small claims costs are fixed already in their POC

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

Have been so focussed on the WS that I just realised I don't really know much about the potential outcomes of all of this!

 

from what I can gather, the possible outcomes:

 

Discontinued by Lowell/BW before the date Unlikely given that they have prepared and served their WS

 

On the day:

If they don’t turn up – dismissed/struck out (is there a difference) One and the same or ruled in my favour? Hope so

If they do turn up: dismissed/struck out; ruled in their favour; ruled in my favour Correct

 

If dismissed/struck out/discontinued or in my favour, can I claim costs and if so do I have to prep this in advance? You have to ask the Judge best to have a rough figure ready

 

Don’t want to spend time on it in advance unless I have to

, or if there is a real advantage,

 

as if I lose

, I will feel that I have given them even more!

 

I have had a look at a few threads re costs, but they mainly seem to be quite old.

 

There are references to special court forms for this, Thats for Fast Track..your in Small Claims track

but also some people seem to favour simply an itemised statement/list to take to court.

Correct

 

Andy

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Thanks for the replies DX and Andy.

 

DX - are you saying that I can only claim the same figure as they have indicated in the costs section of their POC?

 

Edited... they have listed £50 legal representative fees. Is that the amount I can claim? I think I'll be over that with stationery, postage, and travel/parking expenses alone, or can I not claim them?

blacksofa

Edited by blacksofa
Added some numbers!
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Thanks for the replies DX and Andy.

 

DX - are you saying that I can only claim the same figure as they have indicated in the costs section of their POC?

 

blacksofa

 

No...thats the fixed fees for the claimant costs for issuing the claim......if they win they can ask for further costs.....which is at the discretion of the Judge.

We could do with some help from you.

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No...thats the fixed fees for the claimant costs for issuing the claim......if they win they can ask for further costs.....which is at the discretion of the Judge.

 

So I can claim postage and stationery costs then (with receipts) and mileage? and car parking?

 

What about this hourly fee for LIPs that I have read about (£18 or £19), Can I also claim under that? I don't think I could put on a claim for the actual number of hours I have spent on it, as that comes into £100s.

 

I have read that the max that can be granted by the judge is 2/3 of that which would be payable to a solicitor dealing with the case for you.

 

Any ideas on what a realistic figure would be?

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And also £90 for a days work if you have to take a day off....have a rough tot up and you give me a figure your thinking of ?

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And also £90 for a days work if you have to take a day off....have a rough tot up and you give me a figure your thinking of ?

 

OK Andy, will do, either later tonight or over the next few days (back to work tomorrow). I have read somewhere mileage = 40p per mile - is that still correct?

 

Not sure about the day off work issue - I have booked it as annual leave, so don't know if I can claim for that - bit miffed I have had to lose a day's leave though. (£90 a day would be nice, but I'm in the sticks and working in Adult Health and Social Care, so £60 is more like it!)

 

Blacksofa

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Yes as far as Im aware...40p per mile

We could do with some help from you.

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  • 2 weeks later...

So... came home from a long early shift at work, planning to spend the afternoon/evening writing out my skeleton argument and my expenses, to find a Notice of Discontinuance from BW.

 

 

Have rung the court and they have received their copy,

the case has been removed from the hearings list on Friday

and moved to the 'Dead Zone' which made me snigger.

 

Enormous thanks to DX and Andy for your help.

There is no way I could have achieved this without it.

Pay day on Thursday and although it won't be huge,

I will be making a donation.

 

Drinking coffee and eating doughnuts whilst humming 'Fanfare for the Common Man'!

 

Blacksofa

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no Lucky Man...know the album well

 

 

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

Well done Black....I guess the Witness statement was worthwhile.

 

Thread title amended to reflect the result........delighted for you.

 

 

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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