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    • @Kahunaburger I have a feeling you have a LOC on the way, from those lovely people at ALLIANCE PARKING. We got one a few weeks back for the same NTK date and location as yours .. 🤬
    • The "grief tech" firms helping users create talking avatars of their dead relatives.View the full article
    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
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Tilly V mortgage express repo


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Tills, you can take them up on their offer of a FREE valuation, but I'd have a seperate valuation done so you know exactly how much (if anything) you are giving up. Problem with the 75% situation, is that more and more analysts are predicting a downturn, some as much as 40%, so these companies may use that to justify a lower offer. Stay on your toes Lady.

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Hi Tilly, i'm still around and full of admiration. I made enquiries with one of these companies a couple of years ago. I was certainly shocked at how little they offered. I suspect your gut instinct to be wary is right, but it's not worth leaving any stone unturned in this situation.

 

As an extreme long shot, i'm still hoping one of us will win the lottery :rolleyes:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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TILLY, PLEASE DON'T DO IT!!!!

I've been having a bit of a search, & I found this A Dangerous way to get out of DebtBasically it tells you that it's a WIN-WIN situation for them, & a NO-WIN situation for you. Please read the article before you commit to anything, & please be very careful around these companies, it seems as though they're like vultures towards people who are desperate to sell as quickly as possible.

 

Has anyone turned stone the right way up yet?

Edited by ja-de

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Hi Jade

 

Thanks flower, believe me i don't intend to commit to anything, :rolleyes: like hopefull said my gut instict tells me know. But thankyou for the link.

 

 

Tills

 

 

Ps stone is now up the right way

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It must be lets get stone day again.

 

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

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Jade your right, and i hope many posts on this thread will be helpfull to many people that find there selves in a simular situation.

 

 

 

 

 

 

 

 

peeps stop picking on stone :confused::D

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I was offered one of these and they took so long to get sorted out it didn't work out.

 

It is almost impossible to have a win-win situation for the home owner when repossession is instigated (and it isn't always as a last resort as they keep trying to tell you - one missed payment is all it takes these days - and there is plenty of evidence to support that about).

 

What would be sensible is for the mortgage lenders to have a scheme where they buy 25% of the NORMAL value of your home and that way everybody wins... you have some cash to pay off the arrears, and they could possibly keep the rest for three to six months before releasing the balance to you... what do other people think?

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Hi sg, I've heard of it many times in the past, where you 'Buy 2 Rent', but I don't think it applies to Tilly's case, as unfortunately I honestly don't think that the mortgage lenders would even contemplate (big word for me this early on Sunday) going down that road, now or in the future. Lets face it, they're far too busy trying to take all our money as it is. But I must agree with you, it's a reasonably good idea.

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Just a thought Tils, Have you tried your local housing assn ? a couple in my area have been known to buy ex council houses back from the owners and leave them as sitting tenants when their local stock of properties has been low for peeps in similar situs to to yours.

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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To be honest guys, with a view to my current situation, i dont think i want to stay here any longer than i have too now, thats does'nt mean im giving up what i mean is staying until hopefully sell the house or get told leave. So i think the sell to rent is a non starter anyway.

Edited by **Tilly**
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I totally understand what you're saying Tills, in the light of everything that's happened, no-one can blame you at all.

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The housing market is so slow at the moment, i think i have seen 3 sold boards go up, but there are many for sale signs so im not alone there are loads of peeps trying to

do the same.

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

 

 

Well im on the ball there jade i have all mine :D

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I never doubted you Tills, one things for sure, no-one will manage to get one over on you hun, which is why we know that you can do this.

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Morning Tilly and everyone!!

 

I will make sure the info gets to you- still pursuing, but as you say and others have said previously, this sell to rent/ rent back does not look hopeful. It is doubtfull if ME would agree to the sale at such a discounted price in any case, unfortunately. Time is also an issue.

 

Stone, the H/A option to buy has been investigated as suggested in earlier posts. It would make sense if the Housing Corporation focussed more attention on this area for people in this situation. Unfortunately, it does not look like an option in Tillys area.

 

Immediate priority needs to be N244 updated and focussing on housing/ living arrangements.

 

Take care Tilly and ask any questions as you need to.

Edited by kennythecelt
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Morning Kenny

 

Yes i agree with you on the sellt to rent, the n244 needs to be udated asap like you say being offline is not helping :evil:

The living arrangments at the moment are my daughter is going to stay with her brother, me with my sister not ideal i know, but at the moment have no choice.

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Good Luck **Lilly**

 

Our thoughts are with you.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I have been looking at private rentals but here the rents start from 580.00 for a 1 bed flat upwards for houses, although i have sorted out other benefits, they wont give me housing benefit until im out of here :confused:

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Tilly, there is something that has crossed my mind and that is the possession order. I'm wondering if at the moment you would be able to sell the house yourself as I'm not sure if technically and legally it is yours to sell. Although you still have access to it and are living there the order came into effect on 27th May.

 

If you got enough to cover the full debt it may not be a problem. If in reality you are unlikely to cover the full debt, and as you don't want to keep the house I'm beginning to wonder if the N244 is the best way to go.

 

Being totally realistic, if you are still likely to owe ME a very large amount of money after the house as sold, I'm wondering if you may be better to look at alternative ways of clearing the debt.

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