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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Urgent (Abbey) Repossession Advice Needed!!!!!!


lanesra14
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Hi all,

 

My bank (Abbey) began repossession hearings against us (£4500 arrears), we pay £727 per month.

 

Attended court 3 weeks ago and Abbey representative failed to show. Sat in front of the judge on my own and he ordered that "the matter be adjourned generally with liberty to restore", also advised that we make a written offer to the bank to clear the arrears (which we did immediatley).

 

Bank wrote back and stated they would continue with repossesion claiming that they HAD attended and the judgement was made in their favour.

 

I rang the court and asked how this could be, woman was not helpful, said she couldn't check and besides, the judgement had not yet been written out as they were "overworked". Advised that I wait a few days for the written order in the post.

 

Waited 1 week and still nothing. Called the court again and explained the urgency (20th June deadline!) She confirmed the case had been adjourned! And faxed me copy of the judgement to that effect.

 

So I thought I had a case for malpractice against the bank, until I received a SECOND judgement letter on Saturday ordering the repossession!!! Same Claim Number, different Judge.

 

What should I do given that I now only have 2 days to sort this out?

 

Can anybody help!!!!!

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1st letter (Dated 10 June) says:

 

"General for of order

 

On the 23rd May.....

 

Upon hearing representative representing Abbey...and upon hearing from the Defendant

 

IT IS ORDERED THAT:

This matter be adjourned generally with liberty to restore

This matter be struck out if not restored the 31st Aug

 

2nd letter (Dated 11 June) says:

 

"Order for possession...

 

On the 23rd May.....

 

Upon hearing representative representing Abbey...and upon Mr...not attending.

 

This order has been made on discretionary grounds and the court orders that...

 

1. The defendant give the claimant possesstion of........on or before 20 June

 

2. There be money judgement in the sum of £........not to be enforced without courts permission.

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Hi there, you need to go to the court with the 2 orders and get them to establish how this has happened. I suspect that you will have to submit a N244 to the court asking for a hearing to clarify the matter and confirm your proposal to clear the arrears.

 

Nothing should happen on the 20th June anyway, you would need to receive a notice of eviction from the court advising what date you should vacate the property. Given the situation with the 2 judgements - I think I can safely say that you will not receive an eviction notice.

 

However it is important that you visit the court to sort this out, rather than do it over the telephone. They should be able to give you the N244 form you need for the application hearing - they should also waive the cost of the application as there has been a discrepancy in the court process.

 

Let us know how you get on with the court and we can help you with the N244 if necessary.

 

Kind Regards

 

Ell-enn

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Can I just clarify - on the two court orders it will say the name of the District Judge who made the Order - is it the same or different. It sounds like the court have screwed it up.

 

As Ell-enn says don't panic it is sort outable.

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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As it sounds like the other side turned up as well. I think that you may well have to set both orders aside and have the case reheard. I would suggest that you write to the other side and enclose copies of both orders and ask if they will agree to setting both orders aside and to a rehearing.

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Mortgage Repossessions

 

Both freehold and leasehold owner occupation can, and frequently will, be subject to a mortgage. The mortgage deeds contain a variety of terms which usually states that when the occupier falls into arrears with the repayments that the lender has the right to evict the occupier and sell the property.

 

Demand for Arrears

 

Before legal proceedings are started, the lender will normally issue a formal demand for all the arrears to be paid. They are not obliged by law to do this, but in practice the Court will not look kindly upon a lender who has not given the occupier a chance to bring their arrears up to date.

 

The lender cannot evict the occupier without an Order for possession from the County Court. The Court is not obliged to grant the possession immediately and has the power to grant a suspended order for possession on condition that the occupier continues to pay current instalments and a fixed amount off the arrears.

 

Suspended Possession Orders - Homeowners

 

The Court will only exercise this discretion if it is of the view that the arrears can be cleared in a reasonable time. (Administration of Justice Act 1970, s.36; Town & Country Building Society v Julien, 1991). If it does not think this can be done, then the order will be final. This will usually be suspended for at least 28 days to give the occupier time to make alternative arrangements.

 

Reasonable Time to Clear the Arrears

 

There is no formal definition of reasonable time. Until recently, the courts had normally considered one year a reasonable time in which to clear the arrears (Cheltenham & Gloucester B.S v Grant, 1994). It has now been said that the Court should take as its starting point the full period of the mortgage. In most cases individuals would probably only need to spread their arrears over one to two years which the Courts are likely to consider as reasonable.

 

Need for Consent

 

It is really important that an occupier experiencing difficulties informs the lender . Work out how much you can afford to pay towards your arrears and put your proposals in writing to the mortgage company. The clearer the proposals, the greater the chances of success. The larger, more reputable companies do not as a matter of course, want to see occupiers evicted and the properties sold. Their money comes, after all, from keeping mortgages in existence and receiving interest on them.

 

I have personally helped a Friend use the above in Court (on the Day before the Balliffs were due) The Judge was going to refuse but we mentioned that we would appeal, and the Judge finally agreed to suspend possession for 3 months so my friend could sell, although they had to make some payments during that time.

 

regards

 

JC

Edited by jannercobbler

If my posts have helped you please use the scales at the top of my posts :)

 

Any opinions from Jannercobbler are strictly my own and I have no affiliation with any group or services.

 

The two most beautiful words in the English Language are "Cheque Enclosed" - Dorothy Parker

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/399-abbey-letter-sent.html

 

Me v Abbey - £3000 + Int + Costs + Credit File Cleaned.

 

LBA Sent 12/3/06

Court Claim started - 31/5/2006

Allocation Questionnaire Filed - 24/7/06

Court Date allocated 31/10/2006

 

Me v Citi-Cards - CCA Sent 27/07/06

Me v Citi-Cards - Data Protection Act Sent 03/08/06

Me v Capital One - Data Protection Act Sent 03/08/06

Me v Hillesden Securities - CCA Sent 03/08/06

Me v Hillesden Securities - DPA Sent 03/08/06

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There is a great book - published by the Legal Action Group and written by Nic Madge (he's a district judge) called defending possession proceedings - well worth reading.

Recent stats show that if you are represented at a possession hearing you have a much greater chance of avoiding eviction - as JC says if a warrant for eviction is obtained you have a chance of suspending it right up to the end. Don't forget the process is that they get an order that you leave by a certain date. You don't they then apply for a warrant of eviction. The County Court bailiff tells you its' been issue and you then apply to suspend it.

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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Hi I dont know as to whether you can read the thread we had when Halifax tried to repossess our property (worth looking at) Came to this site and people were very helpful. You need to go to the court and see someone who will talk to you and give you advice, they are based there, tell them what has happened (asap) We had been told that we need not bother going to the court as we had paid most of arrears. We decided to turn up anyway and low and behold there they were. We had been advised on this site that always turn up and this is great advice.

 

this rep asked us whether we wanted her to come into the court with us but we didnt need it. She was so re-assuring and made us feel a lot better. These places are looking to repossess in my opinion, but having this service in court is great. We knew we had to move very quickly.

 

If you are on low wages you can also get free help and representation

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makeitbetter is absolutely right - many courts have duty adviser schemes where free advice and representation are provided. Those advisers are often excellent and will help to avoid possession.

 

As makeitbetter points out legal advice/representation from Solicitors is also available, if you qualify on low income grounds. Check with the Legal Sevices Comission for the nearest Solicitors with debt and or housing franchise

If I've helped feel free to add to my reputation.

 

I am not a Practising Lawyer. My comments are my opinion only. You should not rely upon those comments and should always take your own professional advice from a practising Solicitor or Barrister

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  • 11 months later...

Hi,

 

I have currently been given a court date for the repoession hearing of my property. I moved out of the property around 11 months and me and my partner seperated. He then stopped making mortgage payments so we fell into arrears. Since October no one has been able to get in touch with him and when i have managed he rufused to sell the property, sign it over to me or for me to sign it over to him. So i have been left with no other options be allow reposession to take place. I sought legal advice and the only thing they said i could do would be put into the courts for a compulsary sale order but the legal fees would be around 8k, and i do not qualify for any form of financial support.

 

Just after a little advice really.

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  • 3 years later...

Hello

 

We received a Notice of Eviction after accruing arrears over the last 3 months due to the mortgage switching from Interest only (CMI of £355 + £100 towards arrears) on a previous suspended order from June 2012.

 

All was OK until the CMI went up to £840 which we honestly cannot afford right now. We contacted the lender (big red high street bank) about switching back to Interest Only until our finances improved as we clear some debts. They advised to keep paying what we had agreed in the meantime, but to contact their Solicitors about applying to switch mortgage.

 

I spoke to the solicitors who first said it would likely be unsuccessful to try that since it was at the discretion of the bank and "they don't normally allow customers to switch to Repayment Only more than once".

 

But since we now have an eviction notice for the 8th Jan, will the judge accept the reason why we have accrued these arrears, and that we are in the process of switching from repayment to Interest Only which we can afford. I can show proof that we have honoured the original agreement when CMI was 355.

 

I'm also worried that we have used the N244 before now. Will the judge think we're taking the proverbial? Although I would go to court 100 times to protect our home.

 

Any advice is much appreciated.

 

Many thanks

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Hi lanesra14

 

This isnt my area of expertise but please be patient other will be along to advise and help you.

 

I will flag this to site team for help due to the impending eviction date for you.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Thanks for flagging this up stu007, I have sent a pm to Ell-enn asking her to help, not sure if she will be back online tonight but I'm sure she will be sometime tomorrow.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Many Thanks maroondevo52

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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hi everyone,

 

i wondered if anybody has any advice on our situation. We appreciate there is a strong chance we'll lose our home since there is a big increase in what we have to to pay monthly, and very little time to do anything. Total arrears are £3600 and we had 12 yrs remaining on the mortgage. We just need guidance as to what's a realistic expectation given the situation.

 

Many thanks again

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Hi there, the mortgage providers are supposed to use repossession as a last resort. If they can change you from repayment to interest only, meaning that you would not be in arrears or be able to pay them off then, in my humble opinion, that is what they should be doing. I'm not aware of the protocol in England but have just gone through it in Scotland and have had the case dismissed due to them not following pre-action protocol. I hope somebody comes along soon to help you but if you need to get any forms in prior to the eviction date then go ahead and do it. I don't think any judge will think you are taking the proverbial. We are living in hard times and they are dealing with these things every day in huge numbers. Please do your best to contest this before it is allowed to go through.... Best of luck. I don't think that any judge will take your home from you for these arrears when you are willing to pay interest only and a payment on top. I genuinely feel these mortgage providers are too quick to take people for repossession. It's immoral....although not illegal.

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Great news is that the eviction was suspended. Judge was satisfied that we were doing something to sort the situation out and that the repayment amount would only be temporarily unaffordable whilst we either got a decision on switching back or we arranged our affairs to manage the repayment CMI. Gives us a bit of time to explore our options. Thanks for the encouragement gemspan, helped us remain a little positive, but very nervous throughout.

 

This site has saved our home once again.

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That's good to hear, let us know how you get on.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 5 months later...

Hi there,

 

We have an URGENT update on this situation:

 

We had a Suspension of Eviction granted after the judge ordered that should pay a fixed amount each month (which was lower than the CMI) for 6 months (ending June), after-which we would then begin to pay CMI+£100 towards arrears. This order has been kept to with no defaults, however we recently received a "Notice of Hearing of Application" (N244A) Notice, stating that the claimant has applied for an Amended Order, and thee hearing is in 2 weeks.

 

We have a couple of concerns....

 

1. If the judge already stated in his previous order that we would pay CMI + £100 towards arrears AFTER the fixed monthly payment arrangement ended after 6 months (which it now has), what would the claimant be trying to achieve by seeking to Amend the court's order?

2. Since the CMI is much higher than the fixed monthly payment we've been paying (an increase of £350 ,although it still just about affordable), could they be trying to argue that we cant afford our home and seek to have our home repossessed at this hearing?

 

What steps should we take ahead of this hearing to ensure we don't get a nasty surprise on this day? I'm assuming there is no question about whether we need to attend, even though we have not received any copies of their N244 application. (Would we even receive this?)

 

I would appreciate any advice that anybody can give in this situation.

 

Kind regards,

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Hi,

 

I've 'flagged' this up for Site Team.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi there, did you not receive any details of their N244 i.e. what amendment they are looking for ?

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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Hi Ell-enn,

 

Strangely enough, got home after work this evening to find a letter (Notice of Adjourned Hearing) from the local court to say the hearing had been adjourned with liberty to restore.

 

Does this mean they have gone away....for now.

 

But why would they have applied in the first place?

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Hi, perhaps they have decided to wait and see if you maintain the higher payments.

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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