Personnally i would like to go to the meeting because when our file went from local branch we had great relationship and never got to speak with dublin branch ever, would have thought we could have had a meeting at least before all this enfolded.
1. Ultimately, you are always better off keep lines of communication open. Accordingly, I would advise you to attend the meeting in Dublin and seek to negotiate what you can. Be aware that the bank will now be of the view that they have you over a barrel. So you should seek to negotiate on two levels. Firstly, to see if there is a basis for the receiver being removed. Then, you should have a fall back position where you seek to salvage what you can from the businesses which the two companies run.
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Hi im a bit confused about all, ill try and put it simply if i can, Firstly our solrs comments via text today (hes busy and cant meet until thursday next) the reciever add is in examiner today... bank have the 15k a month now so all they will be interested in is quick agreed sales..
Got an opinion from a friends solr whom i met socially he said.... your solr should be scruitenising the deeds and charges.. some of which i know are not completed cause we got a request from bank to sign over title transfer which never was done we just ignored it.. but our solicitor said it doesnt matter we pledged the asset
he said that the reciever is just an in house bank one concilitory however our solr said that its a court appointed one adds in examiner today, yet weve no official court stamped papers recieved only emails and hard copies from bank showing accountant in place.. letters gone out to tenants rec yesterday from deloite an touche.
2. At this stage, you need to get copies of the documents showing what the nature of the receiver or examiner(?) is, whether it is a court appointed one or one appointed by the bank's powers under the mortgage. There is a world of a difference. At this stage, you need to put pressure on your solicitor to meet you. It is not good enough for him to simply wash his hands of you, when there is a crisis afoot and tell you "next Thursday" before he can meet you. At this stage, it is not the time to be guessing as to what the situation is. Effectively, the whole situation is happening around you and you need to know what is going on.
3. It is correct to scrutinise the charges and documentation. However, an asset is pledged if you agree to this even verbally and then receive money in respect of the pledging of the asset. So, in circumstances where the documentation is not fully up to scratch, you are not automatically absolved of your obligations. However, again, you should be doing this with your own solicitor, not asking some friend you meet socially. This thing of "can't meet until thursday next" is pointless. This is the time you need attention and assistance to see if you can get out of the mess.
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