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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Accord - Repo Date 11 Dec


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Hi I just been given a court date, I owe just over 2 months...

 

The day the solicitors sent me a letter saying they have taken action was the same day Accord sent a letter that a Debt counsiller will come and see me, I would of thought they would of done this first !!!

 

Anyway because of this site I am not too worried:rolleyes:, I know it will go suspended repo. I have this week spoken to Accord and changed from Repayment to Interest only, but they will only do it for six months, but this will save me £250 a month, and I have agreed £80 a month to pay off the arrears.

 

One thing though is that I still got 21 years left on the mortgage, and I asked them to lump it on at the end, but they refused. Could I ask the judge to enforce this ?

 

I have now received the court papers and in the middle of reading it properly, is there any guidelines around to help me fill them in.

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Hi there, I assume you have received an N11M defence form? The most important part is Q.27 and I can help you with the text for that.

 

If you already have an agreement with them to pay £80 per month towards the arrears then you will have no problem getting a suspended possession order. However, if you feel you will struggle with that amount, you can ask the court to consider a smaller payment each month spread over a longer period of time.

 

Let me know how you wish to proceed and I will help.

 

Kind Regards

 

Ell-enn

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I am fine with the repayment, however after 6 months when the Interest rate only switches back, my payments will also rise by £50 a month and add the £80 repayment, then I will be back in trouble.

 

I must stress I only reverted to the interest only at this stage to get me out of trouble as it is today.

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OK, thinking ahead to when the payments increase again in 6 months, you would be better to offer a lower amount each month towards the arrears. How much are the arrears?

 

Ell-enn

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Arrears are £2700..

 

My normal monthly payment was £941 max I could struggle to pay is £1000.

 

For the next 6 months my payment drops to £721, and I am paying £80 towards the arrears. I have 21 years left on the mortgage.

 

But when the 6 months go back I then have to repay £970, before payments to the arrears are made.

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So realistically £30 would be what you could afford going forward? Best not to offer more - if you struggle with it in the future you could end up defending an eviction order.

 

take a photocopy of the financial questions on the N11M and "practise" on them till you get your figures right before completing the final copy. I can draft some text for Q.27 when you are ready.

 

Ell-enn

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I already copied it, advise you gave to someone on another thread ;)

 

What interests me is on another thread you posted Civil Justice Council press release where the judge can look at Extending the term of the mortgage..

 

I am 32 and got 21 years left, so putting 3 months on the end surely should not be an issue

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Hi, the judge can't alter the contractual terms of the mortgage, but he does have the power to order the arrears to be paid over the remaining term of the mortgage (it would have to be a large amount of arrears for that though).

The guidelines are for the parties concerned, i.e. you and Accord. However, courts have been issued with the guidelines and lenders will have to be able to prove they have exhausted every possibility before making a claim for possession.

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  • 2 weeks later...

I think she is away until friday.

 

what is Q27

  • Haha 1

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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Q27 is - Give details of any events or circumstances which have led to your being in arrears with your mortgage (for example divorce, separation, redundancy, bereavement, illness, bankruptcy).

 

If you believe you would suffer exceptional hardship by being ordered to leave the property immediately, say why ?

 

But reading on this forum its an important to do this question properly..

 

Also anyone know about this section:-

Do you intend to apply to the court for an order changing the terms of your loan agreement (a time order)?

Could I ask for the months to be extended at the back of the mortgage ?

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I think the best thing is to draft a reply in your own words on here first . Just straight to the point and post it on here and then we can have a look.

 

they will be looking for the change in circumstance that caused the arrears and whether it is short or long term - that sort of thing

 

the second part of Q27 is whether you have family and whether you have anywhere else to go I would imagine - or whether the location could be vital say for your partners job etc.

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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Well this is what I done as a draft, thoughts pls...

 

One month we had problems with the boiler to which we had to pay and get fixed for us to have hot & cold water, I did phone the mortgage company to ask for a payment break for this month, however was refused, we also asked for an additional sum on top of the mortgage to help us again was denied. We fell behind on Council Tax, and Bailiff came knocking and was aggressive to my wife, said if he did not receive payment within 2 days he will come with a van and remove all goods and add additional charges. My company on 3 seperate occassions this year have "forgotten" to pay my overtime (due to clerical error) which has meant I was very short on my take home pay. When the pay was received the following months the Tax deducted was a lot more meaning I lost out further.

 

We would suffer severe hardship, as we have 2 young girls (5 & 8 with one having hospital treatment, and both are settled and enjoying school which is in the same road. My wife does not drive so moving away would cause problems and the girls would probably have to find a new school too.

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Right my first reaction is that you have to be careful not to indictate that you might have problems with future payments by your answer here as you will I assume be offering to make your mp plus a small amount towards the arrears yes?

 

 

So I would suggest something like

 

We have ben maintaining our MP since XXX with no problems but we are on a limited income and normally manage each month to meet our outgoings. However we had a major outlay which could not be avoided when our boiler had to be repaired . We did try to obtain a further advance or a temporary MP break to fix this problem so that we could have hot and cold water but we were refused.Also I have had problems with my employer paying agreed overtime which temporarily limited my income.

 

 

Does the above cover the whole reason for the arrears or are there any other reasons?

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, I've just got back from being away for a few days. If you haven't already sent the forms back, I can draft a defence for Q27 tomorrow for you.

 

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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Many thanks, I missed less than 3 payments, the first one when the Boiler packed up, 2nd when the Bailiff got threatening, and the other was part payments missed when I didnt get my OT. I have now switched to a intersest only payment which will help alot, but its just short term for 6 months.

 

My biggest dissappointment is that the Mortgage company have not followed any of the goverment guidelines issued in October.

 

Do you think I should bring this up to the judge next week.. Cant belive its nxt week, quiet scary really. I know I got nothing really to fear as it be suspended but its still a massive worry overall.

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With regards to the Pre Action Protocol, when was your claim issued. If it was issued before the 19th November then it does not apply to your claim, although don't let that worry you. The Judge will I am sure apply the principle of Cheltenham & Gloucester in allowing you to spread payments over as long a period as you need.

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Hi there, If you haven't sent the form back yet I'm happy to look over your defence.

 

The pre-action protocols and government guidelines have been communicated to county court judges and will be considered in every repossession case.

 

The Civil Justice Council have had a consultation paper regarding these protocols for at least 6 months and where we have quoted the recommendations contained within the consultation paper, judges have taken that into account.

 

It goes without saying that the Norgan case is a very useful quote in respossession claims (providing, of course, that you are offering an amount each month towards the arrears).

 

Let me know if you want me to have a look at your defence info:)

 

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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Hi there, I will draft something for you tomorrow - at this late stage I would advise against sending the form online, it may not get to your court on time - is it possible for you hand deliver it to the court on Monday morning?

 

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 best of luck for Thursday

 

Hope it goes your way

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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