Yes you still get a notice of recording a default from your bank. 28 days usually although not required by statute
section 98 Is a no default termination notice with which the creditor can terminate the agreement at any time, although not demand immediate repayment, on open-ended credit
76 on fixed sum.
I have made an attempt at the chronology in the below PDF.
I have gone through foot high pile of documents - though I have not managed to get it into files properly, yet. That is the next job, but it will not be today. It is all mixed together with other stuff, too - such as medical notes that I have submitted to the court to apply for various stays etc. It is a right mess. I'll start tomorrow.
It is clearly my responsibility to manage my own administration, which is pretty poor, but please allow that every time they have started new action, they have done it pretty soon after an emergency admission to hospital. That is what they have done again this time - I was rushed in again in Jan this year, and lo and behold - new claim.
The timeline I have produced probably isn't perfect, and there will be more questions, possibly some dates to add, but this is my attempt at a timeline of events. It has taken the lions share of two days, and sapped a lot of energy - but it has been cathartic, if nothing else.
Please read the PDF first, but the crux of my position is that prior to Jul 2014, there was no entitlement by the company(ies) trying to collect service charges, and this is backed up with letters from the new Landlord - see 22 (and especially 22d). I have been paying, by and large, since 2014 when the RTM company was established.
I want the fees before Jul 2014 removing, and the amount claimed from my mortgage co (Mortgage Company-one) applying to my service charge account - which should leave me a few thousand in credit. I have a nasty feeling though, that once all is said and done, that ultimately I should be chasing 'mortgage company-two' , who will chase the management companies that took the money from them (not me). A friendly Judge explained that this way would be best when we had a chat after one of the hearings the claimant failed to attend. However, I am reticent as Mortgage Company-two are not known for being easy to deal with, or particularly consumer oriented.
Should I start a new thread still, or are we OK to continue with this one?
BFX Service Charge for CAG Mar 2020 - with numbers.pdf
@BritanniaLtd Coronavirus: Britannia Hotel made staff homeless in 'admin error'. Read more at https://www.consumeractiongroup.co.uk/topic/420603-britannialtd-coronavirus-britannia-hotel-made-staff-homeless-in-admin-error/
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/