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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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Son given amigo loan with no income - now lantern chasing - IRL complaint


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Hello

My son was given an amigo loan whilst he was a student with no form of income.

His girlfriend acted as guarantor also a student with no income.

We originally asked amigo loans for the following but they never replied.

Lantern have bought the debt I have asked them for the same.

They have replied but not for what I asked.

Any advice anyone as this is seriously affecting my son.


 I have right to correspond over the account due to my son’s mental health issues at the time.

This is what I have asked for  

  • application form completed by him and any pre contract documents
  • credit file results obtained at the time of approving the lending
  • details of income information obtained, and any documents used to verify income such as payslips or bank statements
  • any income and expenditure checks completed at the time of the application …………..
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  • dx100uk changed the title to Son given amigo loan with no income - now lantern chasing - IRL complaint

thread title updated.

yep best way - an IRL complaint.

should be wiped out if he is lucky. and his credit file cleansed

just remember a dca is totally powerless.

 

WWW.BBC.CO.UK

It failed to carry out proper checks on borrowers but the regulator said the fine would have caused "financial hardship".

 

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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you should already know these things

IRL complaint stuff is in payday loan general forum as a sticky.

IRL always goes to the OC.

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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