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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.  (Although 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 it, but legal advice was something to do with the role the receiver has acting as an agent for the borrower which makes it hard for a borrower to make a claim against the 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 app 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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I know I am incredibly thick when it comes to money matters but I cannot get my head round what interest I can claim. Filled in spreadsheet for charges eg. unpaid DD, cheques, etc. and each entry gives an 8% interest figure. Is this what I claim and enter into the preliminary letter or is this the interest that I can claim later if it goes to court?

Each month I have two "Charges to (date)" and an interest charge also. Is this the interest amount I should enter in the preliminary letter?

Sorry if this makes sense to some you on this worthy site - but it means b***** all to me!

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you cannot claim interest listed on your statements back

you cannot claim 8% until you file to court on the MCOL website.

[for now just delete the interest column - then print the spredsheet & attach to pre-lim letter]

 

however, you COULD claim contractural interest on all your charges from date they are taken till date of claim going in.

 

there are many threads to read.

p'haps the best is:

why is no-one claiming contractural interest [or alike]

use the search facility

 

dx100uk;)

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 can claim back the overdraft interest relating solely to the overdraft caused by the charges. The complex spreadsheet calculates the interest you can reclaim - you need to enter charges, interest debited and account balance. This is the interest referred to in the prelim letter.

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Forgive me, guys but alot of your language goes staight over my head.

I'll try and make it simpler for me to understand!

On my first attempt at simple interest the total amount of charges is £4,385 and the "interest" on this is calculated at 8% to be £1.729.35.

On my second attempt at complex interest the totals read as follows:

Penalty charged: £1,527.38

8% on penalties: £454.65

Interest on penalties: £224.41

8% on interest on penalties: £58.24

 

So, what is the amount of "overdraft interest" entered on the preliminary letter.

Again I'm sorry if this makes me sound a complete thicko but I ask you to be patient with me!

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why is there such a big difference between the two spreadsheets?

 

penalty charges

 

1st s/s £4385

2nd s/s £1527

 

8% interest (which you dont claim until court)

1st s/s £1729

2nd s/s £512

 

??

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Thanks for replying, Bong.

On the first s/s I entered all charges for unpaid DDs/unpaid cheques and card misuse. Total: £4,385.00

On the second s/s I entered the monthly charges and interest charges. Total:£1,527.38

Should I be claiming both together? ie. £4,385 + £1,527.38 = £5,912.38

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what do you mean by the monthly charges? are they penalties?

 

you should enter everything on the one spready, either the simple one (penalties, 8% interest and no overdraft interest) or the complex one (penalties, 8% and overdraft int).

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ok then, what sort of account is this, business or personal? are the monthly charges always the same fixed amount and do you know what they're for?

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It's a personal account.

There are in fact two charges each month: one is for a fixed amount in most cases ie.£30. The other is a varying amount, different each month.

There is no mention what they are for.

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well I can't be sure what the £30 charges are for. see this link here http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/57649-rbs-list-all-charges.html#post481507 it might have the answers. was it multiples of £30 up to £90? in which case it would be the referrals penalty charge. the other amount is the monthly overdraft interest.

 

so, if you're satisfied that the monthly charges of £30 are reclaimable, choose one of the spreadsheets and enter all charges together (£4385 and £1527.38 - are you sure about the 38p? penalty charges are usually round amounts) and if you're using the complex spreadsheet, the overdraft interest in the other column with your account balance, to work out the proportion of overdraft interest you can reclaim.

 

does that all make sense?

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It may also be worth you read through this

 

Stuck with RBS charges? Click here!!

 

If you have a royalties account, you aren't entitled to claim this charge. If you have loanguard on your overdraft (this could be the varying monthly charges) you aren't able to claim this.

 

Have a read through the thread I've comiled above, it helps identify what, if any, of the monthly charges you can claim. Coupled with the link Bong gave you, that should help you determine what you are claiming for.

 

 

___________

Your feedback is always welcome. If you have thanks, tip my scales and let me know....If you're unhappy then speak to HydraUK :D

 

If you have any questions, you will get much better help by posting it on the forums and directing me to it as there are far wiser people around than me ;)

 

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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  • 1 month later...

This is hardly the place for a family conversation! If you're good you can have my Yamaha - so why don't you get bike lessons and a licence a.s.a.p ?

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