Jump to content


  • Tweets

  • Posts

    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
  • 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

What Happens When They Put A Charge On Your House?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4053 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

We owe a considerable sum of money at the moment and we have been to the CCCS and have a payment plan and so are making small payments to each creditor. Our problem is that we owe the Halifax the bulk of it. I have a credit card and my partner has a credit card and a loan with them. Paying off the amount set down by the CCCS it would take years to pay the debt back. we are hopeful that our finances will improve in time so that we can begin to pay a more substantial amount.

However, the counsellor at the CCCS said that it may happen that the Halifax wont accept the payments long term (they have agreed them for 6 months) and so may choose to put a charge on our house.

Can anyone tell me what effect having a charge on the house will have? One person I spoke to said we would be better selling up than letting that happen but I would welcome a more experienced opinion.

Thank you.

Link to post
Share on other sites

Hi :)

To get a charge The Halifax will need to be granted a CCJ in the frst instance.

 

I am speaking from experience here as I have a debt through MBNA that was sold to 1st Credit.

1st Credit applied for a ccj and I was advised by the CCCS to admit the full amount of the debt.

 

Whatever you do, dont admit the full amount if part of the debt is made up of penalty charges.

If you are issued with papers then tick the disputed amount box.

 

Make sure you ask for the CCJ hearing to be heard at your local court so you can defend yourself.

 

Send off the SAR letter and £10 fee ASAP to the Halifax so you know exactly where you stand with penalty charges and you you can get this debt in dispute, which halts all further action.

 

I am currently in the situation where 1st Credit are applying for a final charging order on my home,and I have had to apply for a set aside of the original CCJ order to get a chance of fighting against the final charging Order.

 

If the Halifax did get a final charging order,this doesnt necesarily mean they can force you to sell.

They will get a caution against your property but there are situations where the order for sale isnt granted,eg if you have kids,the house is jointly owned.

 

I wouldnt consider giving up my home for a minute and I would fight to the end-but thats just me ,I like a good scrap lol !!

 

If you need anymore info,i'm sure someone will be along soon,maybe Sequenci,or pm me if you want,i'm no expert but I would be happy to help if I could.

 

Good luck

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

Link to post
Share on other sites

Thank you Hope. At the moment we dont know that they will try to put a charge on the house but I didnt know what the implications were. As someone explained it to me it just meant that when you sell they will get repaid, as in like a secured loan. Are you saying they can force the sale? The house is jointly owned but there are no dependant children now. I am waiting for statements from the Halifax so I can reclaim my bank charges but I havnt done anything about the credit card charges yet. obviously

Link to post
Share on other sites

Hi,

 

I am not sure but I think that the loan would have needed to be taken out originally on a secured basis, they have no right to go for an attachment to your house if you are paying them any amount whatsoever that they have agreed to accept. If it went to court, the court would decide whether, or not, you were paying enough. If you were paying them nothing, they could perhaps get an attachment order, in short it is my personal opinion that they would not be allowed to do this, but please check this with a solicitor.

Vodafone - Default removed (07/01/07).

MBNA - Claim settled with contractual interest and adjusted credit file to show no late payments (12/02/07).

CABOT - Taken to Court by Cabot/Morgan over alleged credit card debt, case dismissed (06/12/10).

Link to post
Share on other sites

We owe a considerable sum of money at the moment and we have been to the CCCS and have a payment plan and so are making small payments to each creditor. Our problem is that we owe the Halifax the bulk of it. I have a credit card and my partner has a credit card and a loan with them. Paying off the amount set down by the CCCS it would take years to pay the debt back. we are hopeful that our finances will improve in time so that we can begin to pay a more substantial amount.

 

They can only collect what you can afford to pay. If it was to go to court, no judge would say anything different. There is a big difference between "can't pay" and "won't pay".

However, the counsellor at the CCCS said that it may happen that the Halifax wont accept the payments long term (they have agreed them for 6 months) and so may choose to put a charge on our house.

 

They may choose ? What kind of advice is that ? If you have been making regular payments, however small... it is highly unlikely that a judge would order a charge to be put on your house. As advised, you would need a CCJ to be lodged against you first and there is plenty that you can do to avoid that scenario. Since Halifax have not even suggested they are going to do this, it seems irresponsible of CCCS to plant that seed in your head.

 

Can anyone tell me what effect having a charge on the house will have? One person I spoke to said we would be better selling up than letting that happen but I would welcome a more experienced opinion.

 

Absolute rubbish ! They are assuming that everyone rolls over, are they ? I recently had a creditor threaten me with a property charge.... I had been paying regular amounts for years. When challenged to produce certain documantation however, they failed.... and now they cannot pursue me for payment at all.

Thank you.

 

:)

Link to post
Share on other sites

  • 1 year later...

i am not in this predicament but like to avoid it if possible, i have been told that charging orders are placed in first come first served basis, can anyone verify this, for example if i owed my daughter £50000 and she placed a Charging order against me then she would be first to be dealt with in the event of my death.?

Link to post
Share on other sites

hi,

They can only apply for a charging order on your property after they have obtained a CCJ, & the judge will only grant the charging order if you do not comply with the courts judgement, & then only in extreme cases will they force a sale.

I know this from personal experience, the judge said at my charging order that in the current financial climate, if every CO became an order to sell, they would be putting 1000's of people onto the streets.He told the banks solicitor that he would grant the CO, but on the condition that they could not apply for an order to sell.

debs

Link to post
Share on other sites

hi,

They can only apply for a charging order on your property after they have obtained a CCJ, & the judge will only grant the charging order if you do not comply with the courts judgement, & then only in extreme cases will they force a sale.

 

MANY judges are granting a 'forthwith' judgment to allow a creditor to go for a Charging Order, this is especially used if people make a small monthly offer on their judgment debt.

Link to post
Share on other sites

hi debs thanks for that but i was wandering if anybody could shed light on.

" i have been told that charging orders are placed in first come first served basis, can anyone verify this, for example if i owed my daughter £50000 and she placed a Charging order against me then she would be first to be dealt with in the event of my death.? or have i been given duff advice?

Link to post
Share on other sites

i am not in this predicament but like to avoid it if possible, i have been told that charging orders are placed in first come first served basis, can anyone verify this, for example if i owed my daughter £50000 and she placed a Charging order against me then she would be first to be dealt with in the event of my death.?

 

 

This is a good question which I have been pondering over for a while but cannot find any information on the web.

 

I know that in the event of your death the first charge (your mortgage) is paid off, which is obvious but my situation is that a relation of mine has been paying the vast majority of my mortgage off since I fell on hard times 2 years ago. I went from a decent income to earning just half of what I used to earn.

 

Despite trying to earn more money I have been struggling to make ends meet and instead of losing my home I have been fortunate enough to receive help from a kind relative.

 

There is no legal arrangement or anything like that, just a written agreement between the two of us (witnessed by a third party) that any sums of money paid towards the mortgage would be paid back (with 5% interest) in the event of my death or on the sale of the house.

 

The only worry I now have is if any of my creditors manage to get a charging order due to the new rules coming into force, this will leave the person who has helped me at the bottom of the pile.

 

Would it therefore be possible for said relative to get a voluntary charge off myself on the property?

 

Any advice or suggestions as always greatly appreciated.

 

Regards

 

Santos

 

Ps sorry for butting in.

 

I will also start my own thread on this issue.

Springfield

Link to post
Share on other sites

hi santos good question from what my 'guy ' has said and i'll know more tomorow is that yes your partner can take a charge against you thus rendering him first in line should any other creditor chase after you,you have to do it legally though, not too sure about all the pro's and cons' but i am certainly going to look into it..keep posting

Link to post
Share on other sites

  • 2 years later...
  • 1 year later...

Hi,

 

Every case is different.

 

It all depends how much you owe and how much you are paying off.

 

Also, is their enough equity in the property. Get a realistic valuation of your property and how long it will take to sell.

 

All these factors are vital.

 

For instance, if their is no equity and your payments are minimal........you are in a stronger position to negotiate a full and final settlement with the creditor, they may accept a reduced settlement rather than sit and wait.

 

You say they are adding Post judgment interest. Did the T&C's of your original agreement for the debt contain a PJI clause ?

 

Debs

Link to post
Share on other sites

There is more than enough equity on the house in fact six times what I need to borrow, but I cannot get a mortgage as the earnings we have at present are not enough for the amount we wish to borrow. The amount we offered to pay was based on only the debtors small pension of £60 a year the form did not ask for any other earnings and so the offer of £60 was not accepted and the court awarded the full amount plus costs and interest be paid. The next step will I suppose be being made to sell the property to pay the debt unless I can get an unsecured loan as the secured loan I asked about was not allowed presumably because of the low income and the CCJ on the house.

 

I am having the property valued tomorrow, spring is allegedly here but I see many houses about me which have been up for sale for years'. I doubt they will sit and wait even though they are earning £76 plus interest per week there are I suppose equity release schemes but these appear to be an even worse course of action though may be the only option I have.

Link to post
Share on other sites

When you refer to the debtor as only earning £60 per year from a pension, is the property joint owned ?

 

Did you attend the charging order ?

 

The CCJ/Charging order is only for the equity portion of the debtor and I'm pretty sure they can't force a sale. It simply sits as a restriction on the land registry, so when it is sold, they get there money, I have seen cases were the restriction does not necessarily guarantee payment.

 

I strongly suggest you start a new thread and give us a bit more info. Help will come once we have all the facts.

 

Debbie

Link to post
Share on other sites

Been reading thread (interest on post judgement) in legal section t/day regarding interest on a C/O did not think they could apply interest to a C/O if was unsecured debt regulated by the CCA 1974 or is yours wildm regarding contractual interest?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...