Jump to content


  • Tweets

  • Posts

    • I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now    Thanks 
    • please refrain from posting blocks of text...use sentences and line spacing .... i notice your 1st post had been spaced and ive done your last three.... this is not facebook....its a forum. ........... it does matter how long BS takes i would cease payments now and a DCA is NOT A BAILIFF. they don't own your debts so can do NOTHING!! slow down and calm down , 4 post in 5 mins is no good. Debt management and Debt self-help - Consumer Action Group click the above link and go read a good 20+ thread in the above forum and all your questions will be answered  if you have any outstanding  then please post with them later. everything is explain in numerous thread already here for you to understand at your own pace. there is not rush to do anything today or the next 10days bar simply stop paying. though as explained in my last post, whichever way you go not pay will equal a default which will trash your credit file for 6yrs so the quicker you stop the quicker they will vanish . dx  
    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. One question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if I am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
  • Recommended Topics

  • 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
  • Recommended Topics

Council have given us 28 days or they will force the sale of the house.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5353 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My mother is being charged for care provided for her elderly mother who was diagnosed as having severe Alzheimer's. My gran was sectioned and put into care and a charge was placed against her property for payment of the Care Home Fees. The house was left to my mother, who lives there.

 

The Council have written to my mother saying that under Section 22 (8 ) of the Health and Social Services and Social Security Adjudications Act 1983, they have the same powers and remedies under the Law of Property Act 1925, esp Section 103(1), to sell the house. The debt is for £23k. They have given my mother 28 days to pay in full or they will sell/force a sale of the house. My mother is on a low income (and ironically works for the council in question) and cannot raise such a sum.

 

I am in the process of launching a dispute with the local Primary Care Trust and Social Services as to whether or not the debt is legal due to the 'primary need' being a health issue upon my grandmother's initial admission into care. This is dependant on accessing my grandmother's medical records, which can take upto 40 days. However, I need help in stopping the Director of Legal & Democratic Services at the local council proceeding with this as he has given my mother 28 days to pay and is being very aggressive and ruthless in his pursuit of this debt. How can I stop him?

 

Please help! My email is [email protected]

Edited by mattidog
Link to post
Share on other sites

I hope so Daniella, and thank you for your concern.

 

And yes postggj, I am hoping it won't come to having to go to court, but if so I do hope he agrees with how outrageous they are being. It's sickening.

 

We were led to believe by the council that the charge against the property meant that if the property were to be sold, they would claim the money from the proceeds, but that they cannot force the sale or even encourage it. And that was basically where we stood. We have that statement in writing from them. This is a new guy on the case who says the previous advice was wrong, and who would seem slightly less sympathetic.

Link to post
Share on other sites

I emailed my MP on Saturday and have received no response. I will email him again and, as you suggest, bring it to the notice of my councillor. It seems to me that, on one level, the Council's own advice has led to a very injurious position, imposed by the Council. There must be some law about getting into major trouble with the same party whose advice directly put you into that trouble? Isn't that like a civil equivalent to entrapment, if such a thing exists?

Edited by mattidog
Link to post
Share on other sites

Ok reported post acknowledged-please wait a little.

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.

 

 

Link to post
Share on other sites

If your mum is over 60 or incapacitated then they can't count the property as capital. However, in any other circumstance including if your mum lived with your grandmother as her carer the decision is down to each individual Council.

 

Have you tried to speak to the Director? I know in Council housing the Notices Seeking Possession have to be in the name of the Director but they don't get involved in the cases. So although you may have paperwork with their name on it it's unlikely they will be aware of your case.

 

The other way is to get the Councillor or MP involved asking why they are pushing for the sale when the property is someone's home. I would definitely try the Councillor as all their work is around the Council whereas MPs have Government commitments.

 

How long has your mother been living there? If she was there before and perhaps acting as carer she is more likely to get sympathy than if she moved in there after your grandmother was put into care.

Edited by Aviva
spelling
  • Haha 1
Link to post
Share on other sites

Thank you for your reply. I had assumed that the Council had legal grounds for pursuing as aggressively as they are.

 

My main questions really are a) is there a way of halting the proceedings whilst we order a review of the alleged debt and appeal against its validity, and b) can the Council reasonably take such draconian measures when the action taken (or lack of) was as a result of their own advice? Is that legal?

Link to post
Share on other sites

Hi there, I'm sorry to hear your mum is in this situation. I assume she is living in the property? how long has she lived there?

 

You say you have a letter from the council stating they will not force the sale of the property? this would be very useful if you have to go to court to defend. You must try to get an appointment with your MP - he or she will have a surgery in your area on certain days of the month - who is it?

 

If they do proceed with a forced sale action then you can defend in court, we will help you with that.

 

If there is almost a month before they take any action then you should have time to get the MP involved.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...