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    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
    • Post the NTK up here for the regulars to double-check. I highly doubt it's compliant with POFA though. Ignore the deforestation that comes unless it's ever a letter of claim. Any luck with the organ grinder?
    • Probably the case @lookinforinfo Also an update, I've got the registered keeper letter. Just to check that I continue to ignore it until PAP letter comes in?
    • Thanks very much Bank. I've now done a lot of reading and have drafted my Letter of Claim as attached. I look forward to your comments. 16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf16Apr24 draft Letter of Claim against Parcel2Go.pdf
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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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