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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.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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me v bos


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firstly yes sheet adds up correctly

Secondly the letter came from the court but had the letter from their solicitors attatched saying how much they refunded and how much they defended. I also rang them and they could not tell me how they came about the figure awarded.

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well i went to the court and got the form i needed a n400 or something like that the lady was very helpful said it would be up to the judge if he let it go on i just said that i thought i had a valid case still so wanted to continue.Will just wait now.

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BOS are now playing silly buggers after they recieved my letter requesting repayment of the £1500 they charged to my Business Account, In April last year I paid £100 for an overdraft of £2000 which was for 12 months. I have been winding down the account in the last couple of months and just about had my overdraft paid off, however in Dec I used my BOS business Visa which is paid off in full on the 20th of every month from my business account by DD. Without a word from the bank they reduced my overdraft down to £600 on 19 jan which is what I spent on my visa in Dec. I also had a DD going out of my account at the same time and they returned the DD, charged me £35 for the pleasure then charged me another £30 for going over my overdrart limit and £10 for management time. Ive now got my account at zero and my visa the same and cancelled the DD,

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well got two letters off the court this morning.one said there would be a court hearing on 13th march then the next said it would be adjourned until 3rd april will i have to go?i is just to see if my claim can be reinstated.

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Hi if I was you I would phone the court and speak to the court services, they are there to answer any queries you have. If they gave you a new court date in april you should turn up, if you believe you have a good case and they have not thrown it out it seems to me that they are giving you another chance to put forward your claim, Thats just my opinion, so I would phone the court first

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when i claimed my interest just used the spreadsheet i thought i could and did not know about any other. About to claim £3000 off Abbey without any interest so perhaps i could use a different spreadsheet for this claim?

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was going to write words to the effect of

Dear BOS,

Thankyou for the partial refund of my charges.However I will still be persuing the remainder through the court as I have been failed to be provided with a breakdown of which charges i have beeen refunded and which charges you claim I have not provided particulars of.

I have enclosed for the 3rd time a list of charges to which i am claiming.

I will however be prepaired to settle for 75% £697.78 if you wereto settle immediately.

Yours truly

 

Susan Sowerby

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  • 3 weeks later...

look in the claiming for a business forum, the rules are very similar but im sure your not supposed to class yourself as a consumer when claiming for a business account, your POC should have the refs to consumer law omitted, and instead of consumer law im sure you refer to common law, if you have already filed your claim you can write to the court and ask for the amendments to be made

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look in the claiming for a business forum, the rules are very similar but im sure your not supposed to class yourself as a consumer when claiming for a business account, your POC should have the refs to consumer law omitted, and instead of consumer law im sure you refer to common law, if you have already filed your claim you can write to the court and ask for the amendments to be made

 

Im not giving them any chances to throw out my claim on a technicality

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Well i wrote to the BOS and got no reply so i rang them today and they said that at this moment in time i had no case against them until i go to court and see is the judge reinstates it so looks like i go or get nothing was relly hoping they would settle for a lesser claim

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