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    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. 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. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations 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. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. 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. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This 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. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
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      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.

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Flaws in Defence counterclaim Help


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The condition and the state of my living is very depressing, almost two years since I moved in and almost 18 months since the builder started his unfinished repair that he self-terminated in October 2020.

 

I am living in depressing state as I cannot progress further repairs, because of the pending litigation. My finances to carry on is completely affected as I was intending to rent spare rooms from my three bedrooms property when work is complete.

 

 Should I now touch the “crime scene” carry on with my life, or wait till the case is over or get an assessor, survey to attest the cost repairs and damage before any repair.

 

This case might leave me penniless and make me more unwell and never be able to get my money back even if I win this case.

Edited by dx100uk
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There is nothing stopping you starting repairs, as long as you have evidence of the damage.  So before you get an area repaired take lots of videos and photos of it.

 

It would probably be best to communicate this to the builder and maybe get an independent report and so I wouldn't do anything until the builder files his defence as you can be sure the solicitor will ramp up the attempts to unnerve you and will be an absolute pain until this point is passed.

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"The copy of particularised counterclaim was what I sent you and you are sending yet again unconnected materials different to the court direction and failed to acknowledged its receipt. Below is my response to your harassment and bullying: 

   

I refer to the excessive number of phone calls and text messages that you have recently been complaining about if ever there was any phone calls or texts, as my first contact with you was 13th of December 2021 on a recorded delivery letter dated the 9th December. Because you did not get replies from these unsubstantiated phone calls and texts you declined to agree with me to ask the court for an extension to file papers to the court, knowing that as litigant, which was what you were pleading for your client on a set-aside application and which the court granted you but you denied me your approval to ask the court for an extension.   

  

The few days before the recent set-aside hearing, most of allegation and complains do not appear to be directly connected to the dispute between your client and myself, but to unsettle a litigant.  

   

I would like to remind you that as a litigant in person I am already at a disadvantage in this matter, and that I consider your conduct in bombarding and harassing me with telephone and texts that are only tenuously connected to the dispute at hand to be an attempt to further disadvantage me unfairly, and to be in potential breach of sections 1.2 and 1.4 of the Code of Conduct for Solicitors.  (Those sections impose a duty of fairness on solicitors in dealings with both their clients and others).  

   

If you do not cease these messages which seem to be solely intended to bully and intimidate me, I shall have no hesitation in complaining to the Solicitors Regulation Authority and put the court on notice about your behaviour.   

   

I do of course remain willing to engage with you on behalf of your client in any genuine attempt by you both to resolve this matter amicably.  

  

Your billing department appears to have sent me a copy of a bill intended for your client.  This seems rather unprofessional to me and I would have thought might even be a breach of client confidentiality.  You may wish to speak to them." and to remind you well that you were cautioned by the court about this.   

   

  

 

  His reply today on a  Sunday night:  Dear Sir 

Please immediately destroy the bill that was sent in error. I will notify our Client. 

I will respond to you substantively in relation to your email in due course.

 

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So can I get this right...

 

You sent off the suggested letter (although you had added your own bits to it turning it into nonsense) to the other side's solicitor despite the fact that you had been clearly told not to send anything to him until other posters had had a chance to consider it and had said whether or not it would be a good idea to send anything?

 

Yes FTMDave and I have had a discussion about sending a letter and we had differing views on it, but at no point did we agree that it was something you should do.

 

In #207 I clearly explained why I had misgivings about sending anything and in #208 honeybee13 asked Andyorch's opinion.  In #209 Andyorch said he personally wouldn't send anything and in #210 and #214 both I and FTMDave agreed with Andy's thoughts.

 

STOP jumping the gun and just doing what is suggested in the first post you read each day.  Wait and see what other posters think of any proposed action.

 

Before doing anything ask: "So should I do what has been suggested in #(whatever number) or not?"

 

☹️

 

At least I suppose he's admitted he sent the bill out in error!

 

simeon  -  don't lose that admission of error!

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Absolutely.  

 

But if an OP demonstrates time and time again that he is just going to ignore the suggestions made in good faith that other posters have put quite a lot of their own time into thinking about, then that OP runs the risks of others ceasing to help him, and asking him what on earth he's doing.

 

If he just ignores what he's told there's no point in posters wasting their time trying to help him and answering his questions.

 

(Have you read all of this thread and the OP's previous threads?  He seems unusually unlucky in the litigation situations he finds himself in after making decisions of his own.)

 

And as the OP has simply appropriated the wording* I put forward in #204 as a suggestion for the text of a possible letter for discussion, and as I specifically said not to use it until others had commented on it, I'm a bit disgruntled that he seems to have sent it off anyway after other posters decided it probably wasn't a good idea.

 

But apart from that and wasting my time I'm not particularly bothered what decisions the OP makes or what the outcome of his case turns out to be.

 

*Apart from adding bits of his own that don't make any sense

Edited by dx100uk
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19 hours ago, Manxman in exile said:

But if an OP demonstrates time and time again that he is just going to ignore the suggestions made in good faith that other posters have put quite a lot of their own time into thinking about, then that OP runs the risks of others ceasing to help him, and asking him what on earth he's doing.

 

This is no big deal. Just between the solicitor and myself. Only the judge decides the outcome of any case, besides this is unconnected matter to the case.

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OK - it's entirely up to you how you handle it and what you do.

 

(At least you got an admission that the bill should not have been sent to you!)

 

What would be interesting to know is if your letter has the effect of keeping the other side quiet in respect of all their questions etc.  Let us know.

 

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Off topic posts removed...as were the previous ones you referred to.

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Claimants response to the Part 20 counterclaim.

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There's nothing earth-shattering here, simply the builder's solicitor saying the builder is in the right.

However, the OP had better be prepared to convincingly answer (7), (8), (10), (11) and have both evidence that the builder caused the damage and proper estimates that come to 16 grand.

Edited by FTMDave
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As my memory will inevitably fade over the coming months, here are some initial thoughts of points that need to be included in the OP's Witness Statement before the hearing -

 

1.  In (2) of the defence the Part 20 Defendant's solicitor states that the original particulars of counterclaim were insufficient, which is largely irrelevant to the dispute since they have since been amended.

2.  Much more relevant to the history of the case is that it was the Part 20 Defendant who initiated litigation.  During litigation he disobeyed clear orders from the Court on three separate occasions and eventually his case was dismissed.  He attempted to have his case reinstated through set aside but this was refused by the Court.

3.  In (12c) of the defence the Part 20 Defendant's solicitor states that the Part 20 Claimant paid for the work and therefore it must have been satisfactory, but this is simply untrue.  The Part 20 Claimant refused to pay the last instalment of Project 1 of £XXXX and the last instalment of Project 2 of £1080.  It was this refusal to pay that initially led to the Part 20 Defendant suing for this amount.  He lost.

4.  In (17) of the defence the Part 20 Defendant's solicitor states that their client intends to submit a further counter schedule of loss.  They are reminded that their client's claim has already been the subject of litigation and their client's claim was dismissed by the Court.

Edited by FTMDave
Mixed up Claimant & Defendant - again!
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  • 1 month later...

OK, thank you.  So how do you propose to follow the court directions and negotiate with the builder?

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Do I have alternatives?

 

I believe the next stage should be witness statement progressing into trial.

 

This man has delayed the process in taking this matter into set aside and now that we are back to beginning, to be given months for settlement is worrisome.

 

 My personal effect are still in the shed and storage. The condition to which the builder let my abode is not improving the state of my health and my finances is suffering.

 

The builder may be playing with time to allow him sell his house or planning to make recovery difficult for me if the case goes against him.

 

How do I protect this happening.

Edited by dx100uk
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Well the judge has stayed the case and ordered the parties to negotiate and has added "failure to engage properly in negotiations may result in the application of sanctions". 

 

I'm no expert in negotiation but I would guess that you taking the initiative and perhaps being able to paint the other party as the unreasonable one would be beneficial.  Write something to the builder's solicitor to throw the ball into their court like -

 

Dear XXXXX

 

Re: Claim no.XXXXX, Court Order 23 May 2022

 

I am writing to enquire whether your client, without of course any admission of liability, is willing to negotiate and make me an offer to settle our dispute - or if alternatively if he is firm in denying all of my counterclaim.

 

I would also like to ask if you stand by point 17 of your client's defence in which you state you client intends to submit a further counter schedule of loss.  I remind you that your client's claim has already been the subject of litigation and the claim was dismissed by the Court.

 

Yours,

 

XXXXX

 

However, I'm no expert here, there is no rush, the weekend is upon us, see what the others think before sending off a mail late on Sunday.

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  • 2 weeks later...

So did you send that off on 3 April?

 

Has there been any response?

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That order states that by 4pm on 30 May 2022, the "Claimant" must give the Court written notification of the outcome of the ordered negotiations.

 

Can somebody remind me - and simeon - which claimant does this order refer to?

 

Those who have, or are, following this thread will recall that @simeon1964 was originally the "Defendant", but subsequently became the "Counter-claimant".

 

So is it simeon or the builder who has to give written notification of the outcome of negotiations to the court?

 

Apologies but I think it's important to get this right.

 

(It seems to be that if it's simeon who is the claimant in this respect, then he needs to be seen to be attempting to negotiate.  Whereas if it's the builder who has to do it, the onus is on the builder to kick off negotiations... )

 

I see nothing wrong with FTMDave's suggestion in #229 if simeon is the Claimant and needs to be seen to be attempting negotiations.

 

I might just tweak it slightly - so long as others think I've got it factually correct.  (additions in bold red, deletions in green).

 

+++++++++++++++++++++++++++++++++++++

 

Dear XXXXX

 

Re: Claim no.XXXXX, Court Order 23 May 2022

 

Further to the above Court Order I am writing write to enquire whether your client, without of course any admission of liability, is willing to negotiate and/or make me an offer to settle our dispute - or if alternatively if he is firm in denying all of my counterclaim.

 

I would also like to ask if whether you still stand by point 17 of your client's defence in which you state your client intends to submit a further counter schedule of loss?  I remind you that your client's claim has already been the subject of litigation and the claim was dismissed by the Court.  And when your client sought to have that decision set-aside, the court rejected that application.

 

Yours,

 

XXXXX

 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++

 

I think somebody has to try to start negotiating...

 

[Edit - the only thing that strikes me is that if the onus is on simeon to do this (ie he is the claimant) then the above letter gives the builder too much leeway to create unwanted delay?]

 

The Court Order tells you what the next stage is.  The two of you need to start negotiating.  (And if you are the claimant - see my question in #226 - then I think the onus may be on on you to start off... )

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Simeon is the Part 20 Claimant.

 

Although he has to report to the court, it doesn't say the onus is on him to start negotiations, "the parties" have to attempt to settle the matter.  However, as the other side haven't got a clue I think it would look good to the judge if he kicks off negotiations, and the other party might be so stupid as to either not reply or else refuse to bunch an inch.

 

What I suggested can't harm him.

 

So Simeon, send the mail I suggested tomorrow, including the changes suggested by MiE in post 243.

Edited by FTMDave
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