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

      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
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Several weeks ago I received a letter from a bailiff company called Rosendales regarding an amount owed for council tax in my previous property. I was a bit confused by this as when I moved I contacted the council and the person I spoke to said that they thought I was up to date with my council tax but if there was any outstanding amount they would send a final bill to my new address. Anyway I hadn't heard anything so assumed all was well until I got this bailiffs letter. I called the bailiffs immediately and explained the situation and told them my next step was to call the council. I called the council and it turned out that not only had they not forwarded the final bill, they had also carried on charging for my old property for 7 months after I moved out. I told them the date that I moved (again) and they said they would "call off" the bailiffs and recalculate the amount owed. I didn't hear any more from them for a couple of weeks so called them again and the muppets had been sending the correspondence to my old address!! The woman I spoke to took my new address (again) and informed me that the balance I owed included court fees of £56. I objected to this on the grounds that they sent all requests for payment, court papers etc to my old address after I had informed them I had moved so why should I be liable for the cost of court proceeding that had only arisen through their incompetence. The woman said that when I received the bill from them I should write to the head of finance and explain my position. I finally received the final bill from them on Saturday. The amount I owe them is £95 and they have added £56 to this for court fees. My plan of action was to forward payment of £95 to them when I get paid next week along with the letter explaining why I am disputing the £56. HOWEVER...... I got home from work today to find a letter from the bailiff through my door saying that the attended today to seize goods to the value of £194 (the £151 + his fees). So now I plan to phone the council tomorrow to explain: 1. that I can and will pay the amount I actually owe in full next week 2. that I will not be paying the court fees and why not 3. that I want them to "call off" the bailiff as they originally said they would 4. that I will not be held liable for the bailiffs fees on the same grounds as the court fees. What does anyone reckon my chances are of persuading them that I'm in the right? I sooo do not want to have to deal with these people on my doorstep!

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Send the letter recorded delivery - post it on here first if you want some advice.

 

Send a copy to the bailiffs head office address and in the letter advise that unles bailiff action is stopped and a satisfactory response is received within 7 working days, you will be contacting your local councillor and the local governmanet ombudsman to investigate/take up your case for you.

 

Furthermore, add that this has caused you considerable distress and you feel there should be a reduction in the payments to compensate for this as this was their error and not yours. It's unlikely they will reduce the bill, but it's definitely worth a shot considering what a cock-up this is.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I've actually phoned the council rather than written to them initially as when I spoke to the bailiff yesterday he said that he would return Thursday so I wanted that dealing with immediately! The council have said they'll call me back as their computers are playing up - hmmm. So I'm just waiting now. As long as they call the bailiffs off I'm happy. I can pay what I owe them next week and dispute the court costs etc in writing afterwards. My main concern is that I don't get any more bailiff visits and that I don't end up paying additional costs because of their incompetence!

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I've actually phoned the council rather than written to them initially as when I spoke to the bailiff yesterday he said that he would return Thursday so I wanted that dealing with immediately! The council have said they'll call me back as their computers are playing up - hmmm. So I'm just waiting now.

 

You should ALWAYS protect yourself and put everything in writing. That way they cannot deny at a later date that there is a dispute, or say you never got in touch.

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Good avice - ALWAYS cover yourself, so by all means speak to your council today, but follow it up with a letter.

 

However, if you send the letters today by special delivery, they will be guaranteed for tomorrow, so that should stave off any action.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I am going to put it all in writing but I'm trying to contact them by phone first so that I can ensure they contact the bailiff today! Anyway they haven't yet called me back and now I can't get through on their phone number so I'm off down there! I can kill 2 birds with one stone then - make sure they call the bailiff and put my case in writing and hand deliver it - don't worry I'll get a receipt! Wish me luck!

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Good luck - post back later and let us know how you get on.

 

Don't forget to send a copy of the letter to the bailiffs company too.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Well to cut a very long story short I got nowhere. I called them, somebody said they'd call me back and didn't then I couldn't get through so I drove down to their office. I saw an incredibly patronising woman who insisted that there was no record of me informing them that I had moved and wouldn't accept that I had informed them. Stupidly on my part - when I informed them I did it by phone (which I've always done before when I've moved with no problems and is the method they encourage you to use) of course this means I have no way of proving that I informed them. She said that I would have to pay the amount demanded to the bailiff then write a complaint letter to the council asking them to reimburse costs. I pointed out that it was through their incompetence I was in this position and once I had paid the money out I was not naive enough to believe that the council would ever reimburse me. Anyway she refused to budge. I then spoke to her manager who had the exact same take and then I spoke to this second persons manager who seemed to have a degree in condescension. The upshot is that they would not contact the bailiff to remove the account from them, they would not acknowledge that anyone in their department could possibly make a mistake, they treated me as if I was some kind of criminal and I am now in a position where I am going to have to pay the amount I owe (fair enough) + the court costs + the bailiff fees in order to avoid the bailiff turning up again and adding more charges. I will then have to go about attempting to recover these costs from the council and frankly I think there is more chance of pigs flying. I went into the council office with the intention of speaking to them in a reasonable and polite manner and by the time I left I was a seething ball of fury. I now feel entirely defeated and also very stupid as I know full well if I had informed them in writing that I was moving then I would have the proof I had informed them and they wouldn't have a leg to stand on. However as I informed them by telephone it's my word against theirs and it seems that it is automatically their word which is accepted. Obviously I will write to them and also drag in my MP and local councillor but I'm not holding my breath. Any advice would be gratefully received but for now I'm going to hide in a corner and lick my wounds.

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Get in contact with the local government ombudsman tomorrow. Also, you can prove you called - phone bills! If you haven't kept a copy of your phone bill, you can request a copy for the relevant time period - this will show your call and although it cannot prove what you said, it can prove you called.

 

Put EVERYTHING in writing from now on.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks for that - I've just ordered my bill for that period from BT so hopefully that will persuade them that I did indeed call them. Don't worry I've learnt my lesson - I'll be putting everything in writing and sending it recorded from now on ( most expensive lesson I've ever had to learn though!)

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Don't give up yet - everything can still be overturned, you just need to be persistent.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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  • 1 year later...

hello can anyone help

 

i have the balliff company equita that want 777.29 by monday i was on a payment plan but they hve decided to take me off it and now want the full amount, i dont know what to do, ive offered to pay some but they just want to tke my thing for the full value,do i let them in or keep them outside if i dont pay can they take it back to court for a warrent t obreak in,, i need help please...

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