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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Rejecting new unreliable Toyota


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the person at fos who dealt with your initial complaint?

 

We did. That's the person we asked and she said that it needs to be put in writing to the link that she sent us. The response that was included in the link actually stated that it would be a quicker process if we were to ask the adjudicator but she refuses to give us this information.

 

This is the person who after speaking with on a couple of occassions had little faith in.

 

I have to say that the whole thing seems suspicious

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We did. That's the person we asked and she said that it needs to be put in writing to the link that she sent us. The response that was included in the link actually stated that it would be a quicker process if we were to ask the adjudicator but she refuses to give us this information.

 

This is the person who after speaking with on a couple of occassions had little faith in.

 

I have to say that the whole thing seems suspicious

 

in your post #33 you said 'Been in touch with foslink3.gif today and the representative dealing with our case simply gave us a link to which we should send our FOIlink3.gif request'

did you just ask for a copy of the file (not mentioning FOI act), or did you mention foi...

and, 'Also within their response they advised that it woud be best to obtain the information we require from the person who was dealing with our case as it would be a quicker process..'

which i agreed with saying dont do a foi, just ask for a copy of the file (which worked for me).

 

anyway, as bankfodder would say, this distracts.

 

if you want the file, just ask for a copy (dont mention foi)

or do the dsar if that doesn't now work

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Send the SAR

 

All your other abbreviations that are in bold and underscored raise an explanantion when hovered over, but the SAR one doesn't.

Please can you explain what the SAR is?

 

Thank you.

 

in your post #33 you said 'Been in touch with foslink3.gif today and the representative dealing with our case simply gave us a link to which we should send our FOIlink3.gif request'

did you just ask for a copy of the file (not mentioning FOI act), or did you mention foi

and, 'Also within their response they advised that it woud be best to obtain the information we require from the person who was dealing with our case as it would be a quicker process..'

which i agreed with saying dont do a foi, just ask for a copy of the file (which worked for me).

 

Hi Ford,

My wife actually made the call as it is in her name.

 

Correspondence is as follows;

 

From: []

Sent: 20 November 2017 13:46

To: Patel, Mayuri

Subject: Ref: - FOI Request

Importance: High

 

Good Afternoon,

 

I have received the final decision from the ombudsman in the post and I will be returning my answer back in the post shortly.

 

In the mean time I have been to see a solicitor and they have instructed me to request all copies of any communication and correspondence that has happened between yourselves and Toyota under the freedom of information act.

 

If you could please send this information over to me urgently I would very much appreciate it.

 

From: Patel, Mayuri [mailto:[email protected]]

Sent: 20 November 2017 14:13

To:

Subject: RE: - FOI Request

 

Dear

Thank you for your email.

 

If you have a request for this information you’ll need to forward this onto the [email protected]. I’ve listed a link below for you to review which explains more about how you can request information and what we can do.

 

http://www.financial-ombudsman.org.uk/about/foi-making-a-request.htm

 

If you could also let me know whether you accept the decision or not so I can note this on our system.

 

Any further questions- please don’t hesitate to ask.

 

Yours sincerely

 

Mayuri Patel

investigator

Financial Ombudsman Service

( 020 348 75244/ 0800 023 4567

+ Financial Ombudsman Service | Exchange Tower | London | E14 9SR

* [email protected]

From: []

Sent: 20 November 2017 14:37

To: Shared_stakeholder_Information Rights Officer

Subject: FW: - FOI Request

Importance: High

 

Good Afternoon,

 

We raised a case with the ombudsman several months ago and have been dealing with Mayuri Patel, we have recently received the final decision from the ombudsman in which they have advised they are not upholding our claim, the reference number for our case is 19503520.

 

I have now been to see a solicitor and they have instructed me to request all copies of any communication and correspondence that has happened between the Financial Ombudsman Service and Toyota Financial Services under the freedom of information act. I put this request into Mayuri who was our point of contact, however, she has advised me that I need to email yourselves for this information.

 

Please could this information be emailed over to me urgently I would very much appreciate it.

EMAIL]

 

From: Information Rights Officer [mailto:[email protected]]

Sent: 20 November 2017 16:34

To:

Subject: RE: - FOI Request

 

Dear

Thank you for your email requesting information under the Freedom of Information Act 2000. We’ll respond as soon as we’re able to and by 17 December 2017.

 

Yours sincerely

 

Elizabeth Taylor | stakeholder team | Financial Ombudsman Service | [email protected]

 

 

anyway, as bankfodder would say, this distracts.

 

if you want the file, just ask for a copy (dont mention foi)

or do the dsar if that doesn't now work

 

Thanks.

 

What followed was the attached PDF that said they couldn't provide the information due to the Data Protection Act.

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yes, i just read back seeing that you initially asked for the info under the freedom act! that's why it was sent to that dep't.

 

anyway, just do the dsar.

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sar time

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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FOI is a waste of time sadly

 

if you want someone to produce something they hold in any data format relating to 'a' person

that person should send an SAR.

 

and the DPA shouldn't matter as its about your property

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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FOS

then if they don't play ball Toyota..

 

however I know this sounds silly

but have you simply asked for it without quoting FOI/SAR at all?

its your case , it should be made available to you.

 

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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Send the SAR

 

Sent it yesterday and this is their response.....

 

From: Information Rights Officer [mailto:information.rights@financial-ombudsman.org.uk]

Sent: 28 November 2017 10:15

To:

Subject: Subject Access Request -

 

Dear

 

I am writing to confirm receipt of your request for information and your payment with respect to it.

 

We will send you your information no later than 6 January 2017 and where possible will do so before this date.

 

We generally send information by recorded postal delivery. The address we hold for you begins ** M****** Street – can you please confirm that this is still correct?

 

Yours sincerely

 

Elizabeth Taylor | stakeholder team | Financial Ombudsman Service | [email protected]

 

Possibly a bit of a wait then.

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Possibly a bit of a wait then.

:) as said, up to 40 days.

if only you had just first tried asking for it over the phone as i suggested before. hindsight. :)

anyway, its in now. good luck.

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:) as said, up to 40 days.

if only you had just first tried asking for it over the phone as i suggested before. hindsight. :)

anyway, its in now. good luck.

 

That exactly what Lisa did.

It was only when she was refused that Lisa mentioned the FOI act.

She was then told that she had to put it in writing by clicking on the link that they provided, to which they initially responded to by saying that it would be some time in December before we would receive it, only to then change to say that we couldn't have it under the Data Protection act.

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ok. you didn't mention that before. you posted that your initial request was via foi.

forget about it anyway, no worries, your dsar request is in as advised by the fos. you'll get a file copy, maybe before the 40 days.

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