Jump to content


  • Tweets

  • Posts

    • Thanks for that, Bazza. It sheds some more light on things but I’m still by no means sure of the OP’s father’s likelihood of successfully defending the charge. This in particular from the guidance stands out me: He does not meet all the s88 criteria. S88 is clear and unambiguous: It makes no provision for either the driver or a medical professional to make a judgement on his fitness to drive under s88. S92(4) and the June 2013 guidance you mention defines in what circumstances the SoS must issue a licence. It does no modify s88 in any way. However, delving further I have noticed that the DVLA provides a service where the driver can enter a relevant medical condition to obtain the correct documentation to apply for a licence: https://www.gov.uk/health-conditions-and-driving/find-condition-online I haven’t followed this through because I don’ have the answers that the OP’s father would give to the questions they will ask and in any case it requires the input of personal information and I don’t want to cause complications with my driving licence. It is possible, however, that the end result (apart from providing the necessary forms) is a “Yes/No” answer to whether the driver can continue to drive (courtesy of s88). With that in mind, I should think at  the very least the OP’s father should have completed that process but there is no mention that he has. The Sleep Apnoea Trust gives some useful guidance on driving and SA: https://sleep-apnoea-trust.org/driving-and-sleep-apnoea/detailed-guidance-to-uk-drivers-with-sleep-apnoea/ I know nothing about SA at all and found It interesting to learn that there are various “grades” of the condition. But the significant thing which struck me is that it is only the least trivial version that does not require a driver to report his condition to the DVLA. But more significant than that is that the SA Trust makes no mention of continuing to drive once the condition has been reported. The danger here is that the court will simply deconstruct s88 and reach the same conclusion that I have. I accept, having looked at the DVLA guidance, that there may be (as far as they are concerned) scope for s88 to apply contrary to the conditions stated in the legislation. Firstly, we don’ know whether there is and secondly we don’t know whether the OP’s father would qualify to take advantage of it. Of course he could argue that he need no have reported his condition. The SA trust certainly emphasises that the condition should not be reported until a formal detailed diagnosis is obtained. But the fact is he did report it. As soon as he does that, as far as I can see,  s88 is no longer available to him. Certainly as it stands I maintain my opinion that he was not allowed to continue driving under s88. The only way I would change this is to see the end result of the DVLA exercise I mentioned above. If that said he could continue driving he would have a defence to the charge. Without it I am not confident.  
    • Right, my friend has just called me. He has indeed had to cancel bookings in the past from his end. There is a specific number for Booking.com that he calls.   After that Booking.com jump into action and contact you re refund and/or alternative accommodation. I suppose it's all logical - the party cancelling the booking has to inform Booking.com. So the gite owner needs to contact Booking.com on the cancellation number.
    • they are not FINES. you totally ignore all the silly fake civil restorative letters. they are totally powerless just the same as any DCA on any old debt. might be an idea to go have a chat with your GP in confidence as you recognise whats going on. dx  
    • pinging @Man in the middle looks to me you are on the correct track, you shouldn't need a sols. Programmable Search Engine (google.com) clickme^^ thread title updated 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

Suspended Possession Action


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5817 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

Appoligies for posting here but i cannot find anywhere to start a new thread.

 

I fell behind with my Mortgage arrears in 2006 and went to court in august 2006 (the arrears were £1200 but by time i got to court they were £750 as i paid some off)and was granted a suspended repossesion order on the grounds i pay my normal monthly mortgage payments plus £50 towards the arrears. I paid the arrears off in full 2mths later.

 

For over a year i have had no arrears and kept up with the payments. However since christmas we have got had some arrears. (most seems to be costs they are adding at £54 a mth monitering charge) The arrears are £1,189

 

I thought that since we paid off the arrears that were on the court order that the court order would no longer be in place.

However today i recieved a letter from solicitors saying

'as you have not adhered to the terms set out in the court order, our client instructed us to enforce it by applying for an eviction date to be set'

 

The offices of the solictors and my mortgage company are closed on a weekend so i am stressing since i cannot contact anyone. Have tried callin advice centres but they are all constantly busy.

I have 2 small children and nowhere else to go. i dont qualify for housing.

I have full time wages and can afford the repayments.

i can afford to pay the arrears but would ideally need 2 mths.

How long will i get? How quick will they want me out?

From what i have read it seems i can get a form and go to court and ask for time.

I really didnt know this suspended possession order would count for all future arrears or i would never have let it get this bad.

Any advice would be great thank you

Link to post
Share on other sites

Hi there, welcome to CAG. Firstly, please don't panic, we can help you with this, you will not be evicted from your home! You will need to fill in a form N244 and take it to the court once you get an eviction date, this form is to ask for a hearing to stop possession (you can download it from the courts website - I'll give more details later) and I can help you with this.

 

To put this into perspective, I have been involved in helping people in much worse situations that you, even on the day of proposed eviction, and they have kept their homes.

 

As you have not received a date for eviction yet, you should write a letter to the solicitors detailing your offer of payment towards the arrears and enclosing an income and expenditure statement (if you haven't done one before I can point you in the right direction). You will need to send this letter on monday by guaranteed next day delivery. Again I can help you with this if you need me to.

 

If they do take action for possession, this letter will prove you have tried to come to an arrangement. In the meantime, make any payment you can towards the arrears (by phone if possible).

 

Please try not to stress too much, I am sure it will be OK.

 

In the meantime I will move your post to the mortgages and secured loans section of the debt forum and titled your thread Suspended Possession Action

 

Kind Regards

 

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

Once this second lot of arrrears are clear you need to get a Notice of Discontinuance which will close the case down and the mortgage company will have to start from the beginning again instead of at step three. Their legal lot will fight this but there shouldn't be too many problems getting it stopped once you have paid up.

Link to post
Share on other sites

thank you. i will do the forms now and the letter. I have sent them letters before but they never acknowledge them so i will make sure i send special delivery.

Do you know if they suspended possession order stands when i totally honored that order? I have heard that once the arrears are cleared on that order that it can be removed. Does that not count now that i have other arrears. Maybe i am being Stupid but i thought they would have to apply for an order again for these arrears since i completed the other order by paying off all the arrears..and i did so within 2 months.

 

My mortgage is due on the 1st of the month (£394)

On Friday i can afford to pay £700 towards the Mortgage and then on the 5th May i can pay an extra £300. so after the 5th May the arrears would only be £500. I would be able to pay that on the 26th May.

 

The last time i went to court i tried calling and offering them £100, £80 a month towards the arrears but they refused, yet when i sat in the court waiting room they came over and offered me £50 a mth so i am just afraid they will not be reasonable and listen to my offers and just want repossession. I owe £42000 mortgage to them and my property is worth at least 100,000 so there is alot of equity in the house. We were going to remortgage in July (starting it in May) to get away from this company anyway. But we have an early settlement fee to pay of £3000 if we do it before 19th July

Link to post
Share on other sites

Once this second lot of arrrears are clear you need to get a Notice of Discontinuance which will close the case down and the mortgage company will have to start from the beginning again instead of at step three. Their legal lot will fight this but there shouldn't be too many problems getting it stopped once you have paid up.

 

Thank you, i guess i should have done this last year when i paid the arrears but i didn't know this could be done.

Link to post
Share on other sites

Hi there, send the letter first by next day delivery - check on the Royal Mail website a few days later to see that it has been signed for, then print off the receipt and keep with your copy of the letter. You will need to produce this if it goes to court, to show that you have tried to come to an arrangement.

 

No point in filling in N244 until (if) you get an eviction date. Also, make the payments you have stated in your post, and we'll take it from there. If you still have any paperwork for the previous possession court action, ring the court concerned and quote the Claim number, ask them if the suspended possession order is still current.

 

Given, what you can pay towards the arrears over the next few weeks, there is no way the lender will get possession.

 

Stay positive, any questions just ask.

 

Kind Regards

 

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

Incidentally - who is the lender?

 

Ell

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

Have called the solicitors who is dealing on behalf of Mortgages Plc this morning. Basically they can't tell me anything as they have no details except they are being told to enforce the order. Called the Court and they said they cannot check if the order is still valid, i would have to ask the claimant.

Going to call Mortgages Plc when they open at 9 and see what they say...but i am not hopeful:(

Link to post
Share on other sites

Hi there, if you get them to agree to anything make sure you ask for it to be put in writing.

 

Kind Regards

 

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

Have called them. They were not very helpful at first. Saying the order lasts for 6 years so is still valid and that they are just going for eviction.

I asked if they would accept regular payment offers to clear the arrears and she said no, they want full payment before end of April. I said that if that was the case i would have to go to court for an N244 form when i received the eviction date. I said i would pay £600 on friday and that i hoped that would show the court i could was trying to pay off the arrears. She then started listening. In the end she said if i called Friday and paid £600 then that would take the arrears below half and they could then stop the eviction being enforced and set up a payment plan. She also suggested i change the mortgage to interest only for a while to allow me to be able to pay more to the arrears.

I am going to call Friday and make that payment to them over the phone and set up a payment plan. I will make sure i get them to send me it in writing also once it is agreed.

I am going to send off the letter today which outlines what i agreed in the call.

Thank you for your help, i will let you know how i get on Friday.

Link to post
Share on other sites

OK, when you send the letter make sure it is by recorded delivery, keep a copy of the letter for yourself and then check on the royal mail website a few days later to make sure they have signed for it. Print off the receipt and keep with your letter in case you need to prove it. Also, make sure you have the correct address, department and name of the person you spoke to in order for the letter to get to the right place. Some mortgages companies have different addressed for their legal dept etc.

 

I'm glad to hear they have come to an arrangement with you, if they stick to their end of the bargain it should take the pressure off you, but will be better when you have it confirmed in writing from them:)

 

Let us know how you get on.

 

Kind Regards

 

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

received the eviction date today of 9th May 08.

Started to worry me again. in case they back down out of the agreement on Friday but i called them up again and they said they have a note on their system that says they will put a hold on eviction if i pay 600 on Friday and sort out a payment plan.

Just worried i guess in case i have to go to court. what if they decided to evict me anyway. i know the arrears would only be 500 by then but its still stressing me

Link to post
Share on other sites

OK, don't panic, there is no way you are going to lose your home for £500. Make the payment on Friday and then ask them to confirm in writing BY RETURN that you have a payment plan in place and that the eviction has been cancelled.

 

However - Don't take their word for it unless you see it in writing. Ring the court middle of next week to check they have cancelled the warrant for possession. If they haven't then we will need to enter a N244 application to the court to ask for a hearing to stop eviction. Don't worry we can help you fill that in. Hopefully it won't come to that.

 

Keep posting, we will give you as much support as we can.

 

Kind Regards

 

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

Glad to hear you are less stressed about this, I can assure you it will be OK. If the hearing goes ahead you will have the pleasure of seeing the judge give Mortgages Plc a good kick up the backside for wasting the court's time :)

 

Kind Regards

 

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

Called up Mortgages Plc this morning and everything went fine. Paid the £600 and was even prepared to pay the full balance if i could not get some definate answers from them just to put my mind at rest.

They agreed on my monthly payment plus £80 (which is what i offered before and they refused). My monthly payment is due on May 1st (which i can pay & had budgeted for) but he said that they will change it till 26th may for the day i get paid so i dont have to make 2 payments this wage. That was really helpful. They also offered to out me on interest only for a while but i refused as i can make the payments fully now my curcumstances have changed.

They are sending me everything out in writing and they are contacting the solicitors today and they will contact the baliffs. I told them i will contact the solicitors and baliffs on Monday myself just to check everything has been stopped.

All in all they have been really good and helpful today. Just wish they could have been like that the many times i called before.

Thank you for your help. this site really helped me and made a difference. I think if i had not said some of the things i learned from here they would have thought they could win in court.:)

Link to post
Share on other sites

Hi there, I'm glad you have come to an arrangement that works for you.

You must feel so much better now.

 

Good luck for the future

(Remember to phone the court, just to double check;) )

 

Kind Regards

 

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

  • 2 months later...

hi ellen sonic here got to hand my keys in to court today but guess what ive got a veiwer at 2.30pm and one at 6pm,what happens if any are intrested will the baillifts move in spoke to mortgage company and they said need contracts if sell welll that can take time,rang up court and told her somone is intrested she said shell write a note on my file how can i stop it happening in case i sell today or tomorrow

Link to post
Share on other sites

Hi there, when is your eviction date? - I'm just thinking you could enter a N244 to suspend it and ask for a bit more time.

 

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

Hi Delta, can you start your own thread in the Repossessions Forum and I can help you with the N244. You can download it here: Her Majesty's Courts Service - Home. Select Forms & Guidance from the menu on the left hand side and enter N244 in the box - you can then download and print out.

 

If you give a bit more background on your curren situation we can advise you better.

 

Kind Regards

 

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

Have you actually had an eviction order from the court ?

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

Delta, would you like me to start a new thread for 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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...