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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.🙂
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Gingi1 v PPI (FD, Co Op & M&S)


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Hi,

 

I have already sent a letter to M&S requesting a refund of my mis-sold PPI on my credit card (approximately £350) and am awaiting their response.

 

I will be claiming back PPI from First Direct as well, although I am unsure of how to get the information. I sent a S.A.R - (Subject Access Request) requesting the info and they sent me illegible copies of my loan agreements except for one. The one that I can read the states:

 

Amount of premium 2585.36

Amount of loan 2580.00

Charge for credit 743.56 APR 9.9%

 

Total payable 3323.56

 

But the ACTUAL loan was for £13100, so is the above just the PPI? If so, no wonder they made the other copies illegible :lol: .

 

When I wrote to them explaining that the copies were illegible, they replied saying that the copies were the best avaiable and if I have a problem to complain to the FO - which I have done today.

I will also be claiming back from the CO OP for a loan and my credit card.

 

I beleive that I have a strong case as I have proof from Allied Dunbar (now Zurich) that I had a private policy protecting me already.

 

How is it best to proceed? Any help appreciated.

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  • 2 weeks later...

Hi, Have you thought about contacting the Information Commissioners Office regarding the illegible copies of agreements that you recieved, I am sure that there must be something there that states that the information has to be in a elligible form. ( I will have a look through the ICO regs today if i get a chance.)

 

Its just a thought I had..It may be of help.

 

Good Luck

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks Ian, I have sent my complaint to the FO and am awaiting their response, I included the fact that they are denying me access to my own information and hope that they will then force First Direct to play ball.

 

Do you have any thoughts on the PPI above? Could it really be that much?:eek:

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Hiya gingi

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

Dont know what ian thinks ???

 

 

good luck and keep us posted

 

delly xx

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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Hiya gingi

 

 

its possible that it could be your ppi agreement my loans for £10000

and my ppi with their interst is £1789.72

 

Dont know what ian thinks ???

 

 

 

good luck and keep us posted

 

 

delly xx

 

The rate for the PPI sounds about right, My PPI could have cost me over £18000 on my loan. Especially with single payment PPI, which you have aslo to watch because most of these only cover a 5 year period.

I got better PPI cover for a tenth of that cost and to cover the whole period of the loan.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 4 weeks later...

Wonder if any of you can help with this:

 

I have asked First Direct for information regarding PPI insurance mis-sold to me on several loans and a credit card. They sent me illegible copies of my loan agreements, when I asked for clearer copies or a spreadsheet detailing the costs, they replied that the copies received are the best they can do???? I have now lodged a complaint with the FO as I believe that mis-sold PPI will total over £10,000 (last 6 years on all loans and credit cards when I had a private policy that covered me and was forced to take their policy or not be accepted for the loan/card) my questions are as follows:

 

a) does the statute of limitations run from the first day of my enquiry/complaint or is it a rolling date?

b) is there any other way of forcing them to give me the information required?

 

Regarding Co Op I am sending off their letter tomorrow. I am claiming over £2395 plus interest for PPI on a loan and all of the PPI on my credit card.

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