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    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
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    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
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Letter Of Claim for death of cat now Court Claim received.


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Also, in case it needs pointing out to you, don't have any more contact with them. Ignore any text messages, telephone calls – anything. Don't make any further offers to pay any money at all.

Decline to comment. Refuse to answer questions.

Report everything to us first

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ok thanks - i wont contact them and will report back straight away

 

i have had a text picture from them today ..harassing me with picture of them posting the letter through my door saying its been 1 week now etc..i havent replied

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Please continue as instructed. Ignore and post the letter.

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BankFodder...ive just realised... the part in the letter that says: "In terms of the contents of your letter, I'm afraid that your recollection is completely different to mine" would maybe need changing as the cat owner was not even there.

The 2 people that were there was the cat owners husband (the policeman) and the cat owners mother (who owns the horse field).

but the catowner is the one seeking money/letter claim

 

should i put:

"In terms of the contents of your letter, I'm afraid that your interpretation of the incident is completely different to mine considering you wasnt even there" ?

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No

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Have you posted the letter?

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@danyboy72, @whitelist - I'm going to move these posts to the bear garden if this continues.

 

Has the letter been sent?  Why not.

There are very limited costs in a small claims action

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cat in field.pdflol, i have took advice from bankfodder and ftmdave which have provided educational and more than helpful answers - sorry but you havent helped me one bit as they were off topic and innacurate. no my opionion,..just the facts.

On 20/03/2023 at 16:29, BankFodder said:

@danyboy72, @whitelist - I'm going to move these posts to the bear garden if this continues.

 

Has the letter been sent?  Why not.

There are very limited costs in a small claims action

going now bankfodder - thanks

 

BankFodder  ..ive just uploaded a couple of the dozens of text messages the cat owners mother keeps sending me...

if your not familiar with the small claims court stuff as i am they can be quite worrying..but realise now they are just inaccuracies/lies and she probably worded it like that thinking that shes going to frighten me into paying some money straight away without seeing any proof of expenses. also she says its the start of the small claims court process which i now know is rubbish thanks to FTMDave.

also a theres a photo ive received via text...she said here's a photo of the cats brother pining for his dead sister....its a photo of the brother cat that lives in her field...would this be useful as future evidence as it shows the cats are not contained ? thanks

 

my brother is at the post office now with the letter...i will have the tracking number soon.

 

as an afterthought...what i've she is not in to sign for the delivery of the letter??

should i hand deliver one before the 14 days is up?

 

text messages.pdf

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yes agreed honeybee13, thank you - i will have a look...im not that familiar with these forums either 😆 as you can probably tell ive only just joined and the first time ive needed help of this sort - cheers

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Let's see what happens when they receive the letter and have to prove the "losses" they suffered.

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 OTHERS

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thanks ftmdave

 

 

thanks - @Kyosanto i dont forgive your cat for killing mice and canaries but at least we arent ripping into each over about it - agreed lets stay reasonable - sorry if im a bit techy but ...i cant help replying to people (not you) giving it the high and mighty

 

and also people keep saying on here 'reasonable control' whats reasonable? as i said its not that clear cut as my definition of reasonable is different to yours and that is different from a judges...so its not definite and not clear cut - it would be better if they acknowledged that when posting rather than sounding condescending!

 

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I wouldn't worry at all about small claims btw

 

Not usually that intimidating and usually fairly easy to go through, if they haven't got the evidence the judge will throw it out

 

One question @dx100uk, is the protocol still notice 14 days before filing a claim?

 

Just I noticed that one of the text messages said the paperwork would be taken to @danyboy72 house within the day - wouldn't that be in breach of protocol?

 

apologies if I'm incorrect I've only done small claims a couple of times

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Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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thanks labrat,

ive had a photo text from the catowners mother showing her posting the letter through my letterbox....and ive just had another text message saying "its been a week now...youve got a week left to reply" and other stuff

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The cat owner's Mother seems to be getting quite involved.

 

Who is actually threatening legal action... The owner, or her Mother?

We could do with some help from you.

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i have ignored it bankfodder, thanks - just thought id mention it incase it was a breach of protocol as suggested by labrat.

 

nicky boy - the letter is from the catowner but the mother is doing all the texting/harassing and delivering the letter to my door...ive actually not even seen the cat owner.....and at the time of incident the mother and the catowners partner was there

Edited by danyboy72
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IMHO going by all the SH1T you are getting , this is actually going nowhere.

seems like a whole loud mouthed family, embolden by self importance.

LOC is is 14 days ...yes.

 

cant see this going anywhere.

 

dx

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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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Keep a backup of all texts received – off your phone just in case.

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thread tidied

posts about unneeded discussion around dog off leads now in bear garden thread

 

 

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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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There are no guarantees, but ...

 

... I must say i was thinking the same as dx.

 

I've had to deal with my fair share of dysfunctional families in the past and can just imagine the three of them egging each other one about how they are right and you are wrong and they're going to give you such a hiding.  "My family are always right".

 

Unfortunately for them it's not their family who would decide in court, it would be an unbiased judge.

 

Let's see what they do when they actually have to produce some evidence as per your letter.

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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 OTHERS

 Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

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i will say only one thing...sheep.

 

i am involved in all that .

 

now a cat and a sheep can't ever be equated upon any lines, a cat has brains......:flock:don't.

 

a fellow, a person i help out with, with my dog and herding, .... their family are historic 'tourist hotheads' up here, they are forever bring and losing batshit court claims against people simply walking their dogs , yes off lead, yes with camera evidence, claiming injury, sheep worrying and etc etc.

 

they have been told by the sheriff up here numerous times, the adjacent land is PUBLIC. if people don't want to leash their dogs, it's not his problem.

 

likewise the same sheriff has prosecuted numerous others for just the same elsewhere where PROVEN it was on their sheeps owners land.

 

thumbs up to you DB72. we are behind you.

 

dx

 

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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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thanks dave and dx for your understanding and support - much appreciated.

 

quick update - ive just checked the tracking number and its back at the depot as no-one was in to sign for it on the delivery attempt.

ive re-scheduled it to be delivered tomorrow of the royal mail website.

if they dont accept it should i hand deliver it on saunday as the 14 days is up on monday?

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