Jump to content


  • Tweets

  • Posts

    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
  • 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

Abbey Repossession Advice Needed


lanesra14
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3708 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

Hi all,

 

We recently received an Eviction Notice regarding a single outstanding final payment of £475 on an secured loan. The claimant say they have written to us before applying to court (but my wife says she never saw the letters)...

 

Anyhow, I was prepared to pay the outstanding amount of £475, but the lender says there are additional legals fees of £389 from their external solicitors that would also need to be paid to stop the eviction.

 

Is this correct? or will our payment of the outstanding £475 be sufficient to stop the action?

 

I am in the process of completing a N244 form.

 

Any advice would be greatly appreciated.

Link to post
Share on other sites

I will bring this to the attention of those who can help.

 

They will be with you as soon as they can.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Can you confirm that they are attempting to evict you because you have an outstanding payment of £475.00 ?

 

Can you give us a little more history on this ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

The background is that a previous judgement of a suspended order for possession was made a few years ago (circa 2008) when the arrears were much higher and the balance was in the thousands. We kept up with the arrangement as per the order and i was sure this was now done. ...except for this 1 final payment to clear the balance and settle the account.

Link to post
Share on other sites

Doesn't sound like the full story. Presumably you haven't moved - as if you had, the loan would have been repaid, so therefore you are attempting to claim that all correspondence relating to this, from the lender and from the court, have gone astray until the bailiffs sent the eviction notice? You'll probably see how inconceivable that is when you count up just how many items of post that would have amounted to.

 

In any case, it is unlikely the lender gained possession for an outstanding amount of £470 - nor for an outstanding amount of that plus the solicitors fees - so you'll need to check what the judgment for possession states regarding the money judgment in order to find out precisely how much they have an MJ for - it is that amount that will need to be paid. You can challenge both the possession order and the money judgment on the basis that you did not receive any paperwork, but you do that by applying to have the original judgment set aside (also on N244), and the judge, if he decides in your favour, will then proceed as if that order had not been made, and will make an order based on the facts on the day of the new hearing.

 

It is in your benefit to pay the outstanding loan payment.

 

I see you posted whilst I was typing my post. You then need to make a stay application - given the circumstances, it is quite likely your expected final payment isn't actually the full amount owed.

 

If there are unreasonable charges on the account you can reclaim those separately.

Link to post
Share on other sites

  • 7 months later...

Hi all,

 

 

Following the last adjournment mentioned in the previous post, we have since received an eviction notice as we missed a payment in Dec '13 and Mar '14. These being the only payments we've missed in the last 15 months.

 

 

March default is very bad for us as it included £500 we had offered to the solicitors to make up December arrears of £1000. Basically we made the offer to pay 1000 arrears over 2 months ( Feb , mar) as we felt we could afford this at the time. Paid Feb , but failed to pay March as my wife unfortunately lost her job and march payment was now not possible.

 

 

So I have the following questions:

 

 

 

  1. As we have been in court over this case several times to stop the eviction on previous occasions, is there a limit we may be crossing where the N244 and reasons we give may just not be acceptable to the court? The solicitors recently said this was the 5th time an order had been granted.
  2. Given that the most recent payment history has been reasonably good, we complied with the judges order from Jan '13 to Nov '13 when then first payment was missed for which we then made an albeit ambitious offer to correct, could this play in our favour at all ? Or will the lender just claim that this mortgagee is simply unaffordable as they have previously tried?
  3. I have received a pay increase from March 1st which will help, and the wife is now back working. Will this be enough to have the eviction suspended again?
  4. We currently pay CMI +£150 towards arrears from the original order. We could increase this to CMI + £200 to cover the march default, would this be reasonable to ensure we didn't overcomitt ourselves? I anticipate the lender will want more , especially if I include my modest pay rise information in defence of ability to keep with payments

 

 

I hope someone can offer some advice on this. I'd like to submit a N244 tomorrow if we can present a decent defence.

 

 

Many thanks for your assistance.

Link to post
Share on other sites

Hi, I'll have a look at a N244 defence statement for you later this evening when I have a bit more time. Have you drafted a statement to go with the N244 yet?

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, do you still have a copy of your previous statement that you could amend?

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 yes, of course - happy to look it over you can send it to [email protected] (there is no spare between the c and o, it just appears like that)

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 - I got your draft and replied - but I only saw your message just now as I have been in a meeting.

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 all,

 

 

Good news! Eviction suspended as judge felt we were making attempts to remedy the situation. Scheduled for review in 6 months. I didn't even need to say anything. Remarkable , considering the stress this causes from the day the eviction notice is received.

 

 

What can we do to get the suspended repossession removed altogether? The claimant's representative seemed a little reluctant to explain that we were in court because of effectively 1.5 missed payments.

 

 

I just feel that after 12 months of regular payments, we should be able to apply to have the suspended possession order removed.

 

 

Are we being realistic?

 

 

 

 

Thanks once again for your help.

Link to post
Share on other sites

Hi, it's unlikely you would get the SPO removed until at aropund 12 months after all the arrears have been paid. You would need to show a long term on time payment record

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

  • dx100uk changed the title to Abbey Repossession Advice Needed
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...