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    • 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.
    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
    • China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

wulber v Royal bank Scotland


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Hi and welcome wulber, first read the FAQs and step by step instructions ,also spend a couple of days reading some threads in the relevant bank forum to gain some insight as to what to do and when to do it.Then when you are ready start your own thread to keep us all posted on your progress and also ask questions if needs be

Good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Hi Wulber

 

Best place to start is the FAQ's and the step-by-step and then have a good read round on the bank forums for a few days and then when your ready start your own thread's in the banks you are claiming from and keep the posts updated so everyone can keep upto date on how you are doing.

 

You will find all the answers you need in your banks forum and keep to one thread.

 

Then if you need to ask a question that you cant find or dont understand someone will help in your thread you are never alone on here and it gets very addictive:)

 

Welly:)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Hi and welcome - you are in the right place to get these unlawful bank charges back. We are a really friendly forum and you'll get loads of support and encouragement.

 

Have a good read around so you know what you are about to do and then go get your money back smile.gif

 

Good luck

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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hi guys

thanks for replies but am a wee bit lost how do i put a post on the forum page also what is the starting point to put a claim in i dont have all statments but think charges run into a few grand.

 

lost and mixed up wulber

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HI

 

Goto the RBOS and the halifax forums and click the New Thread button (Top or Bottom of the page) and that will open one for you and then stick to that thread for all you Q's and updates if you cant find it when you want to add to it use your UserCP at the top of the page it will be there:)

 

Call them wulber V RBOS and wulber V Halifax if you want to make things easyer Good luck and PM if you need any other info or any site helper (The Pink ones) ;)

 

Please ask any other questions in your new threads Thanks:) this is only for a Hello :)

DONT FORGET TO DONATE TO THIS SITE WHEN YOU WIN THANKYOU

If you dont it wont be here:x

 

Let battle commence!!!!!:mad:

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

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Wulber,

 

Some useful info can be found at the Govan law centre also Scottish Procedure by Scotia.

 

best of luck

charlie

Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)

 

Tesco personal Finance -NO penalty charges see post end thread

Egg DPA complaint sent to ICO see thread

Egg also trying to get defaults removed

Abbey National/MBNA credit Card - Eventually settled in FULL:)

 

Citibank Preliminary sent 19/08/06

MBNA DPA sent 30/07/06

Mrs CharlieHo v Providian DPA sent 30/07/06

 

MORE TO FOLLOW

 

Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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also guys

can anyone tell me about claiming against credit card charges (aqua---halifax)added on late payment charges refused to pay now being harrassed by morcroft debt collectors can i claim against this as well also this has affected my credit rating.

 

all help welcome

cheers wulber

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You can claim your credit card charges.

Tell moorcroft by letter that you dispute the debt and are awaiting info (DPA request)- this SHOULD stop them harrasing you -if not search for stop telephone harrasment on the forum.

Read the FAQ thouroughly - other people have been in the same boat as yourself and got their charges removed and credit files amended.

 

 

Charlie

Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)

 

Tesco personal Finance -NO penalty charges see post end thread

Egg DPA complaint sent to ICO see thread

Egg also trying to get defaults removed

Abbey National/MBNA credit Card - Eventually settled in FULL:)

 

Citibank Preliminary sent 19/08/06

MBNA DPA sent 30/07/06

Mrs CharlieHo v Providian DPA sent 30/07/06

 

MORE TO FOLLOW

 

Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

letter requesting statments for two accounts sent today also requested charges for aqua credit card (halifax con card ) will now take it as it comes.

thanks for everones help up to now

cheers wulber:-o :D:-x ---thats ma head spinning

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  • 7 months later...

help please going to court with r.b.s friday 13th april got court letter today saying they are going to defend claim also counter claim that there charges are legal and a true reflection of there costs can anyone help/advise me for court

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hi bookworm going to court against r.b.s next friday 13th april they are counter claiming that there charges are a true reflection of there costs (scotland court system) can yougive me any help/advise as how to approch this court apperance

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hi

going to court next friday 13th april against r.b.s they are counter claiming that there charges are a true reflaction of there costs.

can anyone give me advice how to deal with there lawyer in court or any other help/advice i can use.

scotish court system

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Guest Niklowe

Hi wulber,

 

It is unlikely that RBS will attend court as they would have to reveal their true charges. No bank has dared set foot in front of a judge yet. Have you prepared your court bundle in the extremely unlikely chance

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

If in doubt PM a mod

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Hi your thread moved here into RBS.

Please keep it updated.

You should also start another thread in the Halifax bank group for your other claim.

Take some time to read some ongoing claims in both bank groups...it should answer a few questions that you may have.

 

 

oops see you already done it!!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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see answers in your other thread...now moved to RBS bank section

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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see answers in your other thread...now moved to RBS bank section

Hi Martin I see you are having the same problem with CITI as I have They ended up stating they had never received the court papers etc. So we have a new case set for 13th. April so it will be interesting to see what the judge says when he sees all the paperwork witb signatures on the recorded dely. pieces I think there were four of them!! My problem started in Nov.:evil:

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hi allany thoughts anyone i have only had a letter from r.b.s in december saying that due to demands they would not look at my case until feb 07 so i made a point of zero contact with them this was also the same from them zero contact until the court letter came stating they were defending the action does anyone think i should phone hrh tommy boy and give him a chance to settle or keep to zero response and take it as it comes court date friday 13th aprin.keep safe all wulber

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hi allany thoughts anyone i have only had a letter from r.b.s in december saying that due to demands they would not look at my case until feb 07 so i made a point of zero contact with them this was also the same from them zero contact until the court letter came stating they were defending the action does anyone think i should phone hrh tommy boy and give him a chance to settle or keep to zero response and take it as it comes court date friday 13th april.keep safe all wulber

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If it was me I would wait until court day. They will probably phone you beforehand and you will be in a better position to neogiate. Don't let them off with anything. Watch out if you have a default against your credit rating make sure that is removed as one of the settlements, even though they say they won't do it.

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hi all

going to court against r.b.s on friday wondering if anybody has heard of the soliceter who filed the defence her name is karen mccutchion and her contact infois all through r.b.s was wondering if she is from r.b.s or corbetts.

also have not been in much contact with r.b.s just kept to my timescales/letters at correct times etc should i call them and give them a last chance to settle or just go to sherriffs clerks office tomorow as per instructions and just take it as it comes some feedback would be most welcome.

keep safe

wulber

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What court are you dealing with? It would do no harm to offer RBS a chance to settle but do not go back on amounts and any thing else you are claiming for. eg. default removal. Best of luck keep me informed

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