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    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • 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.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations 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.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...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   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). 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.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
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Dorothy Perkins Store Card PPI appears 6 months later on statements? *** Settled Out Of Court ***


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Nearly there with the prelim. I must say I am adding consequential loss to this too as they were paid off including charges/PPI with our remortgage and this will remain for at least 20*+ years

 

Milly XXX

 

go and get em milly :D

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good luck ian errgh GE MONEY! who is dealing with your claim? SALANS?

 

 

No it is not Salans, they have brought in the Big Boys for me..lol Eversheds, But the bigger they are the Harder they Fall..lol

 

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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there puusycats reidnet;) cannot say no more;)

 

By the way O/H rang GE money about the missings statements, was told they ddid not have them as the data is only held 5 years of which he corrected them saying well you only gave from Oct 01 so not five years. About the PPI she did not know what to say about it appearing 6 months into the account and admitted they ha been fined over £600K:eek: said maybe telesales rang him up ...of which o/h said try find another excuse:D and he had NEVER given his phone number so please provide the recording.. she did not know what to say and said she would investigate. O/H said well you only a till the weekend or he will be adding on charges and claiming for the PPI.

 

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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forgot to say I sent My LBA off to these a week ago so they have just over a week left, before I go to court,

 

 

Good luck to you too hun:)

 

 

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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I got a reply from them today about the PPI :rolleyes:

 

This was the letter they sent

 

http://i6.photobucket.com/albums/y208/trickytrishuk/fromge.jpg

 

 

and this is the agreement they say where I asked for it yeah I'm sure when this was taken out in 1998 and not show up on my statements till 2003 :rolleyes:

 

 

http://i6.photobucket.com/albums/y208/trickytrishuk/ccagemoney.jpg

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So trish sounds odd, they have not explained why it showed up 5 years later in the letter. Is that agreement a copy ..... if you get my drift ;) and then photocopied it. I would state you never ticked anything and be adamant about that and charge them for ALL the payments.

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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there puusycats reidnet;) cannot say no more;)

 

If you have interesting info ..Please tell ..lol PM me if you like..

 

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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Good old GE.. They must think we were all born Yesterday.. mmm 5 years later they start adding PPI and they say you agreed to it 5 years previously.. I think NOT.

 

Have had a little bit of Correspondence with GE, Just one Loose leaf folder full so far..lol They dont half like Cut n Paste by the looks of it, They must have had a training day on that subject..lol

 

Oh well better get back to responding to their defence, It is laughable :D that they even manage to contradict themselves in their defence. :rolleyes:

 

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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YIPPEEE!!!!

 

well I think Ge money are gonna be in trouble me thinks...... Store card agreement arrived and guess what account cover and card protection cover BOTH crossed out...ha ha GE you will be in trouble as you have provided the proof needed to show that you charged PPI without ANY agreement to it!!!!

 

can't see the court looking to kindly on that!!!!

 

Milly XXXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Thats great News MIlly,

Go get them, and make sure you hit them Hard..lol, Not that I have anything against GE of course.. (lying through my teeth with that statement..lol)

 

Milly they wont have the Balls to stand up in court and try to defend that one, though they may try and make you think that they will..lol

 

Ian

x

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...

Well finally ......prelim is going off tomorrow. It had to be reworked because of the Compensatory Damages claim. I have all my templates ready now...so no delays!!!

 

MillyXXXx

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Well finally ......prelim is going off tomorrow. It had to be reworked because of the Compensatory Damages claim. I have all my templates ready now...so no delays!!!

 

MillyXXXx

 

Hi Milly,

 

Following your thread with great interest. Go get 'em:D

 

I have sent a sar and a cca to ge money for 2 account and I am still waiting for them. but not to worried about the credit agreement they can take al the time in the world for that one. I have a feeling after finding a old statement that 2 types of insurance was applied one for sickness and one for accidents. They begger belief because the balance of the account was £48,90 and they were charging £17.33 for the insurances. I only paid the mininum payment of £5.00 so they added interest on the insurances each month. and the balance went up and up.

 

Sorry to hear about your car, it does make your blood boil when you are left to pay the excess for the dammage that these mindless morons do:-x

 

Good luck and keep us posted.:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi there sandbro:)

 

Thanks for your kindness:)

 

GE money seem to be placing insurance on every ones accoounts. What makes me laugh is the excuses they come up with. My O/H caught them out and they are BIG trouble!!!

 

Good luck with your claim and let me know what is happening.

 

Speak soon

 

MillyXXXx

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Go Get em Milly..lol

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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Share on other sites

  • 3 weeks later...
  • 4 years later...
  • 2 weeks later...

Update : Received a very low offer very quick after their acknowlegement as only up to the date of the last premium NOT the date on claim grhhhhhhh!!! :-x

What are they playing at.:madgrin: cos they know it is expected to the date of the claim. Sent a rejection though agreeing in Part Settlement DTM.

Good news is they are agreeing to 29.9% compound as it says on the offer, :-Dbut as I said sneakily only up to last premium not now!!!:x

They are saying they are being forced to defend along with mad ramblings concerning Supply of Goods Act- Pages long and Credit Crad Agreements and Unfair Relationships. Thats about all I can make out.:-x .

Oh and seek the judge to strike out because of the Limitaions ACT.:mad2:

So you arent forcing my O/H to claim then sneaking in a offer AFTER a filing at court:-x

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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