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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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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.
      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.

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Possession Order 24 September TIA xxx


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I am so very pleased things are looking up. I am also so chuffed that you are now managing to start your lives together at last. If things start off tough then that is a very solid foundation to begin with.

 

Good luck to you both

olives xx

Can only say the same all the best and happiness for future one more thing maybe-tune for you-tawnyowl:)

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  • 3 weeks later...

Hi all,

 

Thank you so much for your sentiments! :D Yes it does feel like we are truly starting our lives together and the sun's come out at last! (metaphorically speaking hee hee)

 

Just updating that not only are Natwest listening at last (on the strong advice of their solicitors who are not unsympathetic to our case hee hee) but Juliette has been offered a different mortgage which saves her quite a bit a month. Does beg the question why couldnt this have happened 6 months ago, but hey ho!

 

So just wanted to say THANK YOU ALL YOU LOVELY WONDERFUL HUMAN BEINGS!!!!!

 

And for anyone who has read this thread and is in the same position as we were. LISTEN TO THESE PEOPLE THEY KNOW WHAT THEY ARE TALKING ABOUT!!! Stay positive and take control and things may not turn out as bad as your fears would have you believe!

 

Love Gary and Juliette xxxxxxxxxxxxxxxxxxxxx

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Hi Gary & Juliette - I'm so pleased to hear things are going well for you now, you deserve it.

 

Also glad to hear that you found us helpful - that's always good to know :)

 

Take care

 

Ell-enn

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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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  • 2 weeks later...

Ive just read your story and i am really pleased everything has worked out for you. I am having big problems with natwest too, we went into arrears earlier this year after me going self employed and then becoming ill, anyway i spoke to them in may and they said they would add the arrears to the remaining term, they gave me a new monthly payment and i gave them new account number and date for them to take it out on, they didnt do this instead they sent us a default notice so i wrote to them explained everything, they sort of apologised and said they would change it, guess what it has never happened, they are still calling for the wrong amount at the wrong time of the month and yes some months the funds have not been there because its the wrong time, then 2 weeks ago we were sent a court date for a possession claim, i have written to them and their solicitors and have explained what has happened and that i think it is unfair that they have not given us a chance to pay off any arrears due them not doing what there were supposed to back in may, havent heard anything yet, any advise anyone?:mad:

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Hi Wiccachic, can you start a new thread on this please, that way your posts won't get lost in this thread.

 

did you get anything in writing regarding adding the arrears to the end of the mortgage and the new payment amount?

 

Have your actually received court papers?

 

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.

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