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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • 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.
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possession order help


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Hi Ell-enn,

I sent the forms to the court by special delivery last friday. The letter i had last week from natwests solicitor said they had now changed the direct debit mandate to the 28th like we requested 6 months ago, and guess what the 28th came and they have not tried to call for the payment!! I am so angry with them, i have written to their solicitor telling them i am disgusted by this as yet again they have failed to honour what they have said, i have also made a formal complaint to natwest about the way they have treated us, was this the right thing to do?

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You're welcome :)

Hi Ell-enn,

we have had another letter from their solicitor saying as we havent made the payment of £1,500 as requested they will be requesting full possession! Can they do this? i have also made a complaint to natwest as once again they did not call for our payment on the 28th as their solicitors letter said that they would, tried to call them and mentioned the new goverment legistation, they hung up on me!!:evil: im so angry and now getting very nervous.

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Hi there, it looks like you will have to attend the hearing to get this cleared up. Can you make the payment they should have taken on the 28th by telephone? or send a cheque by guaranteed delivery?

 

If you do send a cheque make sure you affix a covering letter and write your name and mortgage account number on the back. Take a photocopy of the letter and the cheque and then get the signature receipt from the Royalmail website. We can then do a statement for you to take to court on the day affixing the letter etc.. Also, get a print out of your bank account showing that the DD was not asked for on the 28th (you can blank out the names of your other transactions).

 

Kind Regards

 

Ell-enn

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Hi there, it looks like you will have to attend the hearing to get this cleared up. Can you make the payment they should have taken on the 28th by telephone? or send a cheque by guaranteed delivery?

 

If you do send a cheque make sure you affix a covering letter and write your name and mortgage account number on the back. Take a photocopy of the letter and the cheque and then get the signature receipt from the Royalmail website. We can then do a statement for you to take to court on the day affixing the letter etc.. Also, get a print out of your bank account showing that the DD was not asked for on the 28th (you can blank out the names of your other transactions).

 

Kind Regards

 

Ell-enn

 

Hi,

I spoke to a very nice man from natwest on tuesday, he said he could understand our frustration as it was all natwests fault that things had got this out of hand, cant believe he said this!! Anyway he said if we make a payment of £500 tomorrow we can come to some other arrangement but he didnt actually say what they are willing to do, i asked him about the court hearing on monday and why their solicitor had sent us a letter saying they are going to request full possession and he said we would never do that at a 1st hearing and its just to agree what we have already agreed, i am very confused and just dont know if i should believe a word he has said, does this sound right? I am calling him again to make the payment, any words of advice would be very helpful:(

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Hi there, make the payment and then ensure you print out a bank statement if you are on internet banking - if not get a mini statement from your ATM.

 

What he means by agreeing your proposal at the hearing is that they will ask for a suspended possession order. This "formalises" your arrangement to pay a certain amount towards the arrears each month on top of your monthly payment. The judge will make an order stating that. However, having a suspended possession order means that if at any time you miss the monthly payments they can ask for an eviction order without going back to court, so you need to ensure you keep to the arrangement.

 

They won't get possession at the first time of asking especially as you have put forward a proposal to clear the arrears.

 

When you have got the receipt for your payment tomorrow I can write a statement for you to take to court with you on Monday to give to the judge.

 

Ell-enn

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No problem, happy to help. You'll be ok - you won't lose your home.

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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I wonder if anyone can help me, I took out a secured loan on my house in 2006, then in sept 2006 I had a epelectic fit and had my DL taken off me, which led me to take a pay cut, with my jod as I was office bound.

I fell behind with all my payments, I slowly started to pay back little at a time, then early this year the company that I have my secured loan arranged for a house visit with a adviser, we came to an agreement to an extra £35.00 a month on the loan which is £250.00 per month, but in July and August we missed the payments, but are still paying on time other than the two payments,then out of the blue recieved a letter from their solicitors say we had seven days to pay the toatl amount we borrowed,now we have recived possesion papers from the court and the date is 11 Dec 2oo8, we are still paying on time and very worried what can we do, please help.

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Hi Isoprox - please try not to worry, we can help you with the forms from the court. In the meantime you need to write a letter to the lender explaining your reasons for the missed payments, and re-affirming your offer of payment towards the arrears. I can draft a letter for you if you wish. We can then use that in your defence to prove that you have tried to come to an arrangement. Who is the lender?

 

You will also need to send a budget sheet with the letter showing how you arrive at the amount you pay towards the arrears (it should be the amount left over each month after everything else has been accounted for). I have affixed a budget sheet to this post for you - it's best to print one off and "practise" on it first before completing a final copy.

 

Also, can you start your own thread in the Repossessions Forum please, that way it won't get missed or confuse this thread.

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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No problem, happy to help. You'll be ok - you won't lose your home.

Hi Ell-en,

 

Spoke to Natwest today, had to speak to a different man today and he was useless! Firstly he could not find any record of us having a mortgage with them, then he did not understand what i was talking about, after explaining everything again he finally understood, i think:confused:, paid them £500 and have statements to prove that did not call for the amount on the 28th of October, i asked him if the mandate had been changed to the 28th and he said yes it will start this month, i asked him to check the amount had also been changed to the agreed amount of £470 and he said no the amount is £438!!! could not believe that they have messed it up again, he said he will change it and i have asked for this in writing, he also said they will go for a suspended order and as long as we make 6 payments everything will be fine, as i said we will as long as you take them on the right date everything month:rolleyes:

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Hi there, I have affixed your statement for court. You will need to attach a copy of your bank statement showing the payment of £500. Write the claim number and Appendix 1 at the top as you did with the other Appendices on your defence form.

 

Make sure you get to the court in plenty of time. If there are any CAB advisors or legal advisors in attendance you can ask them to accompany you into the hearing. The representative from the other side may ask to speak to you beforehand, it's up to you whether you do or not, depending on whether they are reasonable or a smart a**ed just qualified youngster. If you do speak to them and at any time feel they are pressurising you, just say you want to wait for the judge to decide.

 

The hearing will be held in a private room with just the judge, yourself and the other side's rep. When necessary you should address the judge as sir or madam, and don't interrupt him no matter how much you'd like to. As Natwest is the claimant they will have the chance to speak first and then the judge will address you. You will find that he/she will understand your nervousness and will guide you through the process which should take no more than 10 -15 minutes.

 

I am sure everything will go just fine and will be thinking of you. What time is the hearing?

 

Kind Regards

 

Ell-enn

Wiccachic Statement.doc

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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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Hi there, I have affixed your statement for court. You will need to attach a copy of your bank statement showing the payment of £500. Write the claim number and Appendix 1 at the top as you did with the other Appendices on your defence form.

 

Make sure you get to the court in plenty of time. If there are any CAB advisors or legal advisors in attendance you can ask them to accompany you into the hearing. The representative from the other side may ask to speak to you beforehand, it's up to you whether you do or not, depending on whether they are reasonable or a smart a**ed just qualified youngster. If you do speak to them and at any time feel they are pressurising you, just say you want to wait for the judge to decide.

 

The hearing will be held in a private room with just the judge, yourself and the other side's rep. When necessary you should address the judge as sir or madam, and don't interrupt him no matter how much you'd like to. As NatWest is the claimant they will have the chance to speak first and then the judge will address you. You will find that he/she will understand your nervousness and will guide you through the process which should take no more than 10 -15 minutes.

 

I am sure everything will go just fine and will be thinking of you. What time is the hearing?

 

Kind Regards

 

Ell-enn

 

Thanks Ell-enn that is great, you are wonderful!

The hearing is at 3 oclock, very nervous now:(

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You're welcome :)

 

Chin up, it will soon be over and you will find yourself outside the court feeling very relieved that your home is safe.

 

Don't forget to let us know the good news;)

 

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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Just to say hope the hearing goes your way. You deserve it.

 

Maybe the banks should learn that when cases get this serious you should have one allocated person to deal with - not be passed from pillar to post and have to keep explaining problems.

 

Thats how it was in my day. You would just speak to one person at a local branch who would actually then know all the details.

 

Best of luck again.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi Everyone,

Its over at last!! Just as we thought Natwest had back tracked and requested full possession, i thought the judge was going to give it to them too but then the very nice lady from the CAB who came in with us stepped in and told the judge the full story, the judge then questioned the solicitor on Natwest lying to us and he just got himself in a mess with his facts, the judge seemed to be very annoyed with him and then granted a suspended order.

Just want to say thank you for all the help and support from everyone, its really touched me and a big thank you to Ell-enn who really is a star:)

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That's great news, well done for being so brave. Hope you can relax now :)

 

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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Very good news - Well done.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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