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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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GMAC/Wave lending- repossession **Tried twice we won both**


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Yes will flag this up for her-whats the story ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Lizzie - this is your original thread http://www.consumeractiongroup.co.uk/forum/showthread.php?273466-28-day-possession-order&highlight=

We'll carry on from where we left off there.

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Hi Lizzie, thanks for your PM. I understand you have taken an N244 to court to get a hearing on Wednesday and we need to do a more comprehensive statement for you to hand to the judge.

 

Firstly, can you complete the affixed budget sheet which will need to go with the statement - remember that the amount you are offering towards the arrears is the amount left over after everything else has been accounted for.

 

You will also need photocopies of any proof you have of recent payments made and letters you have sent or received regarding the payment arrangement you offered them. Please let me have a list of what you have available to photocopy so I can refer to them in the statement.

Also, what was the reason for the arrears occuring after the suspended order ?

Budget Sheet.xls

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Hi

I am unable to open the budget sheet??

As for arrears well they were paid off completely last december to stop an eviction.We then intended to pay monthly etc etc.Then our tax credits were stopped due to a mistake and the tax office changed my husbands tax code.Also my income went down a bit as i was training as a teacher.All of these things saw us get behind within the first month of the year.In july they applied to the court.We didnt attend as we was too scared (stupid),the judge granted 28 day possession plus money order for all costs etc.When i contacted mortgage company and their solicitors they didnt mention costs etc just arrears needed to be paid.In september i was told if i could clear arreras they wouldnt apply for evicition and we could come to an arrangement for the costs etc.This was the first time i had been told anything about the costs.We was unable to pay it so they applied for the warrant which has taken 6 weeks to arrive.Two days before it arrived we received the 28 possession order from the court for the first time.

We have maanged to pay 3500 off of 5300 arrears.

I called today to try and come to an arrangement but he wanted statements,payslips etc,something never been requested before ,nor in september had we been able to clear them.

It is in joint names and we have two children aged 14 and 5 years.The youngest is due to have his tonsils out on 18th nov which although not a major op requires 2 weeks at home after as can be bad afterwards.

We was proposing a suspension.We could even at a push pay decembers payment up front???

let me know if you need anything else.

xx

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OK, I'll draft up a statement, but you really need a budget sheet - I have affixed another version to see if you can open that.

Budget Sheet.pdf

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yep i think thats better.Many thanks for helping.xx

Do the mortgage company really need statements etc.Also if they were willing to accept monthly payments for charges etc why wont they now ??

Also i am not sure if the charges are correct anyway.

I will be back online later so will check your responses.xx

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How much are the actual arrears ? by arrears I mean missed monthly payments - not charges.

 

How much have you paid towards the arrears since the last hearing.

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So the actual arrears are now 2865? how many months payments does this represent? Also,have you filled in the budget sheet, if so - how much are you offering to pay each month towards the arrears?

 

Are you now working as a teacher?

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No the arrears are around 1800 now,just over.

We are offering 150pm.

yes now qualified as a teacher.

xx

 

Sorry my mistake £1800 arrears (been a long day!) How many months payments does the 1800 represent ?

 

Before I can complete the statement I need you to confirm you have:

 

Proof of the £3500 you have paid

Proof of your income and teaching job

Also, do you have any statements showing the charges they have added?

 

How much are they claiming the arrears are?

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OK, the statement is affixed. You need to enter the information where there are XXX's at the top and also in other paragraphs (remove the xxx's). When you print it out, make sure the printer is set for A4 paper (not letter size).

 

On the proof of £3,500 payments made, write the claim number on the top left hand corner and Appendix 1 on the top right hand corner. Do the same on the proof of job - which will be Appendix 2 and also the Budget sheet which will be Appendix 3.

 

Assemble as follows:

 

Statement - signed

Proof of payments made - Appendix 1

Proof of job - Appendix 2

Budget Sheet - Appendix 3

 

This forms the pack to take to court. You will need 3 sets, one for the judge, one for the other side and one for yourselves to refer to in court. Staple each set securely.

 

Any questions, just shout.

 

Ell

Stephaniex N244 statement Nov 10.doc

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Hi, you should get to the court as early as possible. On arrival ask the court usher if they can give your pack to the judge before the hearing. If they can't then don't worry - when you get into the hearing the judge will speak to you first (don't interrupt him!), when he has finished speaking, hand over the pack and say "Sir, may I give you an up to date statement".

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Hi.Just to let you know it was SUSPENDED.!!!!

Judge lovely,even mortgage company solicitor was a nice guy.

Phew!!!!!

Never want to be in this position again.

I must stress that the court situation isn't scarey atall but as you are anxious you can't help feel worried.

Thanks Ell-enn and sorry for all my messages.

Donation to CAG on it's way.xx

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Brilliant News! Well done for being so brave :-) (told you it would be ok)

Hope you can now relax

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  • dx100uk changed the title to GMAC/Wave lending- repossession **Tried twice we won both**
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