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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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NRAM Repo Court date looming - Advice Required please


s4ddys
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Hi,

I have received paperwork last week from NRAM / Wallers solicitors with a court date of 25th July and a claim for possession.

 

I bought my house in 2006 and have issues with either me or my partner not working since almost the beggining.

 

It seems like every time one of us works the other is laid off, leading to a mass of mortgage arrears.

 

We got back on top in Jun 2010 and was making our regular instalment plus £100 extra (totalled £600).

 

At this point they said they would capitalise the arrears.

This made our payment £662.

 

My partner was then laid off (again) and we have ammassed arrears since then, totalling £8.5k as I have stupidly been paying off all our other debts rather than the mortgage.

 

This may sound daft but it seemed that 1 letter per month from NRAM was better than 15 or 16 from our creditors......

 

To cut a long story short I wrote to NRAM last month to ask for details of charges etc that had been applied,

 

they wrote back saying I need to do an SAR (fair enough), but in the meatime have started proceedings.

 

We are now both working and in a position to pay regular,

 

I was wondering if there was anyone who could help me write a defence.

 

Thanks in advance for all your help,

 

an urgent response would be appreciated due to the short timescales.

 

Cheers

 

Can anyone help?

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Hi there, I can help you with your defence. Have you done a budget sheet to work out exactly what your finances are? Your mortgage, council tax and utility bills are your priority, everything else will have to make do with negotiated smaller payments if necessary (we can help you with that too). I have affixed the budget sheet we normally use - it calculates automatically as you fill it in. Let me know when you have completed it and I'll make a start on your statement for defence.

 

In the meantime can you answer the following:P

 

Is the mortgage in joint names?

Do you have any children living at home?

How many payments do you think you have missed ?

Budget Sheet.xls

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Hi,APologies for the delay in response, and thank you for responding. In answer to your questions:Is the mortgage in joint names? Yes - I bought the house in 2006 with my best friend, but he has very little to do with it.Do you have any children living at home? No - but I do have a 26 month old boy who lives with his mum but stays with me at weekends.How many payments do you think you have missed ? Arrears were capitaised in Aug 2010 (For around 10 payments), only made 1 payment since.Can start paying a portion this month (probably around £300) and full payments as of August as 2 of my CCJ's finish and my loan.Do you need me to send you the budget sheet once I have completed?Thanks in advance for your help.

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Hi, I'll try and do the defence statement this afternoon - on your budget sheet how much does it show you can afford towards the arrears ?

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Hi,Thank you.If I put £60 towards the arrears that leaves £34.90 total left over for emergencies etc.The total remaining after everything was £94.90.Many thanks

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Can anyone help? Panicking now as the hearing is next week.

 

I thought it was on 25th July?

 

Hi, you don't need to fill in the forms sent to you by the court - the affixed statement and budget sheet will be ok. You need to fill in the info where there are XXX's at the top (remove the XXX;s) the info you need will be on the court forms. Read through it carefully to make sure everything is OK. When you print it out, your printer needs to be set for A4 paper (not Letter size) so it all stays on one page.

 

On the budget sheet – write the Claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

 

Now assemble as follows:

Statement - signed

Budget Sheet - Appendix 1

 

Make sure it is stapled securely together. You will need to take a photocopy of it all for yourselves so you have a set to refer to in the hearing. You need to hand it in to the court asap. Ask the court staff if there will be any free legal advisors on duty on the day of your hearing.

S4ddys Statement for court.doc

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Thank you so much for your help, not sure what I would have done without you as CAB quoted 3 weeks for an appointment - not good!!!!!!I help out on here with the payday loans section giving advice which I hope people find useful as I have a lot of first hand experience of most of the companies, but it is nice to get help from other members of the forum on areas of which I have no knowledge.Once again many thanks for all your help.Will let you know the outcome in due course.regardss4

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OK, make sure you ask at the court if there are any free legal advisors on duty that day. If there are, approach them and they can accompany you into the hearing and support your case.

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.

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  • 2 weeks later...

hi,Just to give you an update. Attended yesterday for the hearing. There was a duty solicitor on so had a chat with her and she accompanied me into the hearing, she was really good. The hearing didnt go as well as planned - the judge ordered I pay £120 rather than £60 on top - but better than losing my house so happy days for now.The only other thing to add was he commented on the section 'entertainment'. I had put £100 per month as this is what I usually spend entertaining kids etc but he wasnt happy about that, he also highlighted the cigarettes section as an area to quit (obviously if only it was that easy). My feedback would be to change the entertainment heading to something more suitable i.e. leisure activities (probably not the best example) or something along those lines....Thanks again for your help.

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  • 5 years later...

Hi all,

 

I am looking for a bit of advice. I took a mortgage with a friend back in 2010 for a total of 89k (95% mortgage + 5% unsecured loan).

 

About 2 years later due to personal problems the house was repossessed (completely my fault I struggled with gambling at the time and basically spent the money - yes I know - stupid!). This left 57k outstanding.

 

I did my best to try and resolve the situation, but at the time I only earned around 15k a year and could only afford £15 per month.

 

They accepted this and I moved address a couple of times so never really thought anything of it whilst trying to rebuild my life.

 

The standing order remained in place and has done since the repossession approximately 5 years ago, but I have never received any further letters (assuming because they no longer have my address).

 

Anyway, 5 years later I am now married, and also rebuilt the relationship with my friend. He had also moved address and heard nothing further.

 

He contacted me the other day and said a letter had been received at his mums about the debt (still approx 57k) and questioned what to do.

 

So - I am looking for some advice - what should I do? My circumstances have now changed but still wouldn't be able to pay a significant amount towards the debt (other priorities / 3 kids / claiming tax credits).

 

The other thing is they have marked the debt on my credit file as satisfied - I have worked really hard over the past few years to repair my credit file (the last default drops off in June) and dont want to ruin it again by having an IVA so this really isnt an option.

 

Am I just expected to keep paying for it forever or does there come a point where enough is enough?

 

Many thanks in advance. D

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We could do with some help from you.

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