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    • Apparently some journalists have heard that Sunak may call an election next weekend or in the week following the bank holiday Monday. With the election to be held at the end of June. Rishi Sunak could call snap general election | Politics | News | Express.co.uk WWW.EXPRESS.CO.UK Here's why the Prime Minister could announce a general election soon  
    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
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Your House Being Repossessed? - It's Never Too Late


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I would just like to say a huge thank you to all at CAG especially Ell-enn who has worked a total miracle.

 

Without having any previous notice, at approx 4pm yesterday, I found out that my family were being evicted today at 11am - All stages of the repossession order were hidden from me by my OH thinking that she was actually protecting me from stress etc

 

Without going into too much detail, I owed a lot of arrears (over a few years), and yesterday afternoon trying to find anyone or speak to anyone ie Solicitors etc was a complete impossibility.

 

Having being a member on here for years, and reading that Ell-enn has a pretty good track record, I approached her for help.

 

What can I say?

 

She managed to draft me a statement, a guide on how to fill out the N244 form, as well as sending me a spreadsheet to work out income and expenditure. We didn't stop communicating until approx 11pm last night.

 

I went to bed about Midnight, and then got back up again, went to bed again, and eventually repeated this all through the night. This morning I sent a few emails and again more help and answers were available from Ell-enn.

 

I went to court this morning at about 9.30am (Eviction was 11am) to pay my £35 and hand in my statement and forms etc etc and to sit and wait for a hearing.

 

The outcome of the case was that the District Judge (who did ask who had done my statement, as it was very good) found in our favour.

 

We now get to keep our house. We also, now only have to pay about half of what we had actually offered to pay, in addition to our normal monthly payment to clear the arrears.

 

I would also like to say a huge thank you to MARTIN3030 who actually attended court today, to give us some moral support as well, this was greatly appreciated and more than anyone could ever ask for.

 

So, no matter how far things have gone, never bury your head in the sand or giveup and most of all, ask for help from the knowledgeable people on here.

 

CAG have now proven to me, that they are truly about helping people and for that, they should all be tremendously proud of themselves!

 

People on here are so kind, so generous and so helpful. I especially, owe them both so much for what they have done, and helping us keep our home today. Thank you so very much, from all our family.

Edited by letsdothis
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Great to hear your result, letsdothis :D

 

Ell-enn's a gem :)

 

Martins no bad either ;)

Edited by maroondevo52
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AMAZING!! There are some GREAT people on here who have offered me some fantastic constructive advice and today i too managed to sort out our mortgage arrears in such a way that we can keep our house (provided we stick to the terms we agreed).

 

Ell-enn continues to amaze me with the help and support she offers people and Martin3030 sounds like a hero for coming with you to court today.

 

Now go out and enjoy a few beers to celebrate! :D

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Thanks for posting your experience Lestsdothis :) I'm sure it will help others who might think it's too late to take action against eviction/repossession.

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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Hi Letsdothis - you did you manage to get a statement from the lender so you could see the true situation on the account re the payments which were unallocated ?

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

 

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Hi Ell-enn

 

The Judge gave me a statement on the day. I have accepted that I fully owe the value their solicitor said I did, I am going to disregard all previous payments made, until I get statements to show etc from the bank.

 

On a positive side, they have had their monthly payment this month. :grin:

 

I did add all the charges up from the Judge's statement and so far, it adds up to:

 

£2420 excluding any interest. These are made up of returned fees @ £30 and arrears fees (monthly) of £50 - The interest on the spreadsheet shows £386.01 @ 8%

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Crikey - you need to get a letter off claiming the charges back. If you get the usual "bog off" letter from them you then need to escalate your complaint to the FOS.

 

Send your letter by recorded delivery (or they could say they never got it) and keep a copy of the letter for yourself together with the proof of delivery which you can print off from the royalmail website a few days after posting.

Help us to keep on helping

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

 

 

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Hi Ell-enn

 

I am a little apprehensive over claiming them back, I didn't want to rock the boat so to speak.

 

Its YOUR money-and THEY didnt show any restraint in rocking the boat !!

 

As you know-there are very good examples on the site of people claiming charges back whilst having far greater arrears than you !

 

Better in YOUR pocket than theirs.

 

Theres not much they could do in terms of retaliatory moves since there is already guidance in place for that from the FSA.

 

Even agreeing to have them offset against your arrears would be better than letting them keep it-and in that scenario would prob not even need to see either side going near the Court.

 

Food for thought.:)

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.

 

 

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Sorry to be a doom and gloom merchant, but sumtimes it is to late. my eviction will take place at 10.50am on monday, and i will have to leave with all my possesions still locked in the house, no time to get them out and nowhere to put them, even if i did. having been told by my local council housing, i am not a priority or at risk so they arnt prepared to help. its gone 4pm so the courts are closed for the weekend, even if they wasnt, i cant afford to pay to submit a n244 and so, in my case it is too late.

 

im only posting this as a warning that, even tho there is a lot of success stories, there is also ones that dont end well, so if you are in the same situation, dont just read the 11th hour reprieve stories and think it will all end ok...trust me, it wont.

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Kippax - I've posted on your thread.

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

 

 

This site is run solely on donations

 

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I've got a letter somewhere, I'll find it and post it up.....

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

 

 

This site is run solely on donations

 

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I think it's on my work PC - I'll post it up tomorrow

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

 

 

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Yes I agree ....the guys on this site are an emmense help and God sent.

It is almost unbeliveable....thanks Ell-enn and Martin 3030 on your help in my own issues in the past...i feel as if i have big brothers and big sisters I can run to when the bad bad wolf comes knocking on the door....:-D

Edited by dipobrazil
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Apologies Letsdothis - I completely forgot about the letter. I've been really busy at work this week and it slipped my mind to look for it. Can you give me a nudge tomorrow morning and I'll get it posted up for you.

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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