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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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    • 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.
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Tilly V mortgage express repo


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My house is being repossessed on the 27th may 2008,the court order says i can apply to the court to stay the eviction,we have had the house on the market and lowered the price hoping to sell it quicker. If the house is repossessed im worried that there will

be a shortfall.I know that i need to fill in a n244 but need help guys.

We were ok until December when my O/H had a car crash and and has been unable to work and everything went pear shaped i need to get this sorted asap . I know i cannot save the house and realise it will have to go,which is why i put it on the market,but would rather sellit then have it taken away by mortgage express.Any advise would be most welcome as i having a nightmare at the mo.:Cry:

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Hi Tilly, I'm sorry to hear you find yourself in this position. However, I can help you with the N244 especially part 27 which is the most important.

 

Did you return defence papers to the court and attend the first hearing? or did the lender get possession in your absence?

 

You say you won't be able to save the house - are you sure? the judge can order the arrears to be paid over the remaining term of the mortgage if necessary.

 

Try not to panic too much, there are still things we can do.

 

Kind Regards

 

Ell-enn

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Ok theres a few things you can do in the meantime.

 

1st - change the avatar, it will not help the nightmares;)

 

Are you paying full repayments or interest only at the moment?

If the mortgage was up to date could you afford to stay in the house?

Have you had much interest in buying the house? What are houses selling like in your area at the moment?

If you sell the house for the current asking price, will it cover all the mortgage, estate agent fees etc?

You need to apply for the stay against eviction so that you can retain control of the sale.

Have you read the mortgages forum, there has been quite a few cases like yours in there.

And how much of the arrears are charges?

Consumer Health Forums - where you can discuss any health or relationship matters.

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My husband put in defence but I did not see them and was absent from the hearing because he didn't tell me about it. I have not seen exactly what he put and have asked him and he explained the situation. Can I ask the court for a copy as he didn't keep one.

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Has he told you what was agreed at the hearing? Have you been making any payments recently and could you afford the mortgage payment + something towards the arrears going forward?

 

You need to get an N244 in as soon as possible - you can download the form here Her Majesty's Courts Service - Home

 

Select Forms and Guidance from the menu on the left hand side and enter N244 in the box. You can then print off the form and I will help you through it. If you an answer Gizmo's questions in her post we will take it from there.

 

Kind Regards

 

Ell-enn

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This site is run solely on donations

 

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Ok theres a few things you can do in the meantime.

 

1st - change the avatar, it will not help the nightmares;) Beatch:p

 

Are you paying full repayments or interest only at the moment?

Interest only

If the mortgage was up to date could you afford to stay in the house? If I worked silly hours but I'm knackered now after five 14 hour shifts and I'd have to do 6 out of 7 a week to pay the mortgage and live.

Have you had much interest in buying the house? A fewWhat are houses selling like in your area at the moment? Starting to pick up because I've seen quite a few sold signs around.

If you sell the house for the current asking price, will it cover all the mortgage, estate agent fees etc? Just about

You need to apply for the stay against eviction so that you can retain control of the sale.

Have you read the mortgages forum, there has been quite a few cases like yours in there.

And how much of the arrears are charges? I'm on the case on that and doing a SAR.

Thank ooo :oops:

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OK, the main thing is you need to keep the roof over your head while you decide to sell or not. Is there any prospect of your husband going back to work in the near future?

 

Download the form in the meantime and I will come back to you in the morning to help with it.

 

Please try to stay positive, we will help you as much as we possibly can.

 

Kind Regards

 

Ell-enn

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OK, the main thing is you need to keep the roof over your head while you decide to sell or not. Is there any prospect of your husband going back to work in the near future?

 

No as he broke his back

 

Download the form in the meantime and I will come back to you in the morning to help with it.

 

 

Please try to stay positive, we will help you as much as we possibly can.

 

Kind Regards

 

Ell-enn

Thankyou

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So glad to see your getting the help now Bill. xxx ;)

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Originally Posted by gizmo111 viewpost.gif

Ok theres a few things you can do in the meantime.

 

1st - change the avatar, it will not help the nightmares:wink: Beatch:p

 

Are you paying full repayments or interest only at the moment?

Interest only

If the mortgage was up to date could you afford to stay in the house? If I worked silly hours but I'm knackered now after five 14 hour shifts and I'd have to do 6 out of 7 a week to pay the mortgage and live.

Have you had much interest in buying the house? A fewWhat are houses selling like in your area at the moment? Starting to pick up because I've seen quite a few sold signs around.

If you sell the house for the current asking price, will it cover all the mortgage, estate agent fees etc? Just about

You need to apply for the stay against eviction so that you can retain control of the sale.

Have you read the mortgages forum, there has been quite a few cases like yours in there.

And how much of the arrears are charges? I'm on the case on that and doing a S.A.R - (Subject Access Request).

 

 

Thank ooo :oops:

Ok well there really isn't much point in trying to hang on to the house long term then, its not going to do your health any good, no point working all those hours just to keep a roof over your head.

 

With your husband being ill are you claiming all you are entitled to, benefits wise - check here www.entitledto.co.uk and do a check.

 

When you move which I guess will be to a rented property, will you need any special disability adapations to the property to aid your husbands mobility and quality of life? What is the rented sector like in your area? It will be worth contacting the local council to see if they would consider you homeless and in social need and a priority when you have to move.

 

Have you included any ERC's that may be due on the mortgage, and the fact that you may well have to take a reduced offer - 5% below asking is the accepted norm at the moment. You will also need to make provision that if you move to private rented you will need a deposit and rent in advance as well as letting agents fee, and a credit check will be done.

 

ME will respond to your SAR on day 40 exactly.

 

 

Consumer Health Forums - where you can discuss any health or relationship matters.

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I have contacted the local council and even had a meeting with them,but in thier

words we have no chance and have been put in the low band.

 

If ME respond dead on 40 days that will take it well over repo date :o

 

 

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Just a thought, but do you have any personal accident insurance? - sometimes it is included in your house insurance

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Hiya, what about the car insurance? also, a friend of mine has accident cover with her credit card (trying to think of anything at the mo!)

 

There is some case law we can use in your N244 to allow the judge to give you time to sell the property - so fingers crossed you should be able to stay there for a while. Also, is your husband classed as disabled?

 

Ell

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Hi Tilly, with you all the way my friend.

 

Will do what I can as you have always been supportive to everyone on this forum and we owe you a lot. ((((hugs)))) :)

 

Just thinking aloud, so bear with me....

 

Similar to Ellen's question, any other type of insurance- endowment (surrender value), etc? Is it possible to claim anything for loss of O/H earnings through the car insurance, for injury, perhaps, maybe even insurance on a credit card?

 

This is probably a very long shot, but when you took out this mortgage, was it well within your means when you were both working, were your outgoings accurately reflected? Did the valuation of the house accurately reflect selling prices in the area when you took the mortgage out? (Those types of issue however are not going to be of help in the short term, but might be something that you can pick up on.)

 

Re sale prices of homes in your area. Do a google, as there are several web sites offering recent house sale price information, although this can be 4- 6 weeks out of date. This might give you a better idea of what your house might sell for in your post code area.

 

Re another house, don't just concentrate on Local Authority, try local housing associations. Where do you live and I will get a list of them and contact details. A letter of support from councillor and MP might help here as might a letter from GP- consultant? Any dependent children or people that you have a reponsibility towards ie caring for?

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You could also contact Shelter 0808 800 444

 

Ell

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Hi Tilly, let me know when you're ready to start filling in your N244.

 

Ell x

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

 

 

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Wishing you all the best and hoping that you get the outcome you want Tilly :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Hi Tilly, with you all the way my friend.

 

Will do what I can as you have always been supportive to everyone on this forum and we owe you a lot. ((((hugs)))) :)

 

Just thinking aloud, so bear with me....

 

Similar to Ellen's question, any other type of insurance- endowment (surrender value), etc? Is it possible to claim anything for loss of O/H earnings through the car insurance, for injury, perhaps, maybe even insurance on a credit card? Could'nt claim loss of earnings as was temp contract,which they ended week after accident.

 

This is probably a very long shot, but when you took out this mortgage, was it well within your means when you were both working, were your outgoings accurately reflected yes it was well within our means when we were both working

Did the valuation of the house accurately reflect selling prices in the area when you took the mortgage out? (Those types of issue however are not going to be of help in the short term, but might be something that you can pick up on.)

 

Re sale prices of homes in your area. Do a google, as there are several web sites offering recent house sale price information, although this can be 4- 6 weeks out of date. This might give you a better idea of what your house might sell for in your post code area.

 

Re another house, don't just concentrate on Local Authority, try local housing associations. Where do you live and I will get a list of them and contact details. A letter of support from councillor and MP might help here as might a letter from GP- consultant? Any dependent children or people that you have a reponsibility towards ie caring for?

We have one dependant, you a mind reader kenny got gp appointment tomorrow :) I live in

northamptonshire.

 

 

Tilly x

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Hi Tilly

 

here is a link for contact details of all Housing Associations within Northampton District.

 

http://www.northampton.gov.uk/downloads/HousingAssociationNewContactList.pdf

 

Generally, unless the council has introduced a single tiered waiting list agreement with the Associations, it means a separate application to each. Shelter or CAB might help here, but the homeless officer also has a responsibility as they must give you housing advice.

 

Most of them will have a web site and you never know, you might also find that they have some available properties currently listed- just a possibility.

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