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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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Giving the keys back - advice needed


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Hi

 

Long story but after seeking advice on here and from the national debtline we have decided to follow the advice (after a massive internal struggle) we were given to find somewhere to rent, then send the keys back to the mortgage company and then file for bankruptcy.

 

Can anyone give me any advice on how we do this and what happens after we have sent the keys back? Will doing this just blow absolutely any future possibility of ever getting a mortgage again in the future here or abroad?

 

:confused:

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Can anyone give me any advice on how we do this and what happens after we have sent the keys back? Will doing this just blow absolutely any future possibility of ever getting a mortgage again in the future here or abroad?

 

Presumably you haven't been paying the mortgage for a while anyhow so you are in arrears. If your lender has a branch drop the keys in there, if not send them special deleivery. Inform the OR of the house when you declare BR.

Regards getting a mortgage in the future, the BR will be the overiding factor in any lending decision for the next 6 years.

Consumer Health Forums - where you can discuss any health or relationship matters.

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We are nearly 3 months behind. As soon as we give the keys back to the mortgage company is the house then their responsibility? ie for building/contents ins council tax etc or is it still our responsibility until the day the mortgage company sell it?

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You need to keep the building insured (or they will and charge you), and inform council tax yo uare no longer there and see what exemptions apply. Any CT bill can be included in the BR if you are paying CT at anothr address.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I have just been to court after the mortgage company re-possing my home. After the 28 days were up, I phoned the mortgage company to enquire as to where I should take the keys. They said that they would send out a form to fill in and the completed form should be returned with the keys by registered post. There is a 'repossesion management fee' of £125 added each month until the property is sold privately or at auction.

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Sorry to hear that s.bridge - did you manage to get somewhere to live?

 

We are jumping before we are pushed, our mortgage company haven't started repossession proceedings yet but we are about 3 months behind and with £60000 worth of other debts we just can't afford to keep house so have made the decision to get somewhere to rent before we have no option as can't see us being homed by the council with the housing shortgage!!

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Hi JNJL.

 

Even if you send your keys back this doesn't mean that it'll no longer be yours.

What i mean is that the mortgage payment plus interest will still be added until the point the property is sold.

 

If you wanted to go bankrupt couldn't that money you're going to be saving help maintain your mortgage payments.

 

Is your mortgage interest only...if not could you write to the MC to possible change you over for 6month or so.

 

Another option is an illegal let.Would you be able to let you house out which then would cover the mortgage payments and a small additional amount to clear the arrears.

 

The only trouble with getting private rented accommadation is that estate agents/letting agencies will do a credit check.If you have alot of missed payments on your file....they may not agree to you letting from them.

 

You've not said if you work or have children etc.If you wanted to fight for your house not all judges are on the MC side.

 

Good Luck with what ever you decide.

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Thanks for the advice little heart. Our mortgage is interest only. The estate agents think we could get about £550 max if we rented house out and our mortgage payments are £968 plus £200 they want towards the arrears. My husbands work has really picked up now and I am working part time just a few hours but not well paid. We have two young children.

 

We did really want to fight for our house but feel like their is no way out all advice seems to be to ditch. The national debtline gave us the advice to send the keys back, still waiting to hear from payplan.

 

We have just been refused a rental as failed credit check due to husbands ccj - even offered to pay a few months up front!!!

 

We are worried what implications are for future if we go bankrupt and keep house, ie when it comes to remortgage and if we then end up losing house then it will be even harder to find somehwere to rent?

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Sorry to hear of your woes. I had my house repossessed and I now live in rented accommodation. I didnt hand the keys back, they changed the locks! It was a case of burying my head in the sand which now probably shouldnt have been the best solution.

 

I am assuming having a repo against your credit file stops ANY credit being obtained?

 

Good luck with sorting things out, you are not the only one going through this though I am sure you probably think you are currently.

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You are even less likely to get a mortgage after going BR.

IMO giving the keys back is the last thing you should do.

If they are going to repo anyway, if they wont help, stop paying everybody, and save the money.

 

You could go to court and offer to pay any arrears at an amount you could afford. The arrears could be spread over the remaining term of the Mortgage, and in today's climate, will almost certainly be accepted by the court. If not by the Mortgage CO.

 

What will happen to my home in bankruptcy

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thanks for the advice,

 

We are going to have to go bankrupt anyway with or without the house. So would your advice be to keep trying to pay the mortgage and go bankrupt rather than give the keys back before it gets to the stage of repossession?

 

I keep going up and down like a yo yo, one minute it seems like a good idea to start again and then i worry about the future? My husband also has his own business will this be affected by bankruptcy?

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Payplan finally phoned me back after a week. Considering they have received a 20 page info pack asking a million and one questions i was surprised by how little they seemed to understand my situation. After working out my income/expenditure they told me i am on a minus of £275 per month before paying any creditors. She then told me to pay my mortgage an extra 50.00 per month to my arrears and come to a new agreement to all my creditors to pay them £1 a month and the CCJ that is now pending £20 per month - call me stupid here but how i meant to do that on a minus of £275 per month?

 

She then told me not to worry this was just a minor glitch and that everything would be alright in a few months when things settled down - we have been going through this for 3 years????

 

Anyone else had a similar experience.

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I was repo'ed last year. We fought for many years and IMHO I should have given the keys back or tried to sell a long time ago. We are now renting (had to pay 6months in advance) and for us we have had the most relaxed time in the past 6 months than in the last 6 years. We most likely have shortfall/fees but the MC haven't contacted us at all depsite knowing our new address and us asking to me kept informed every step of the way!

 

I think you have to look at the long-term picture. If you could honestly see life improving and you one managing the mortgage where you are, then fight. If not, get out sooner rather than later.

 

I know so many people who were repo'd or bankrupt in the last recession and they are back on their feet and homeowners again.

 

I ahve spoken to some lender whilst we were battling, who said they would most likely consider us in a couple of years if we can prove our circumstances have changes considerably.

 

Good luck whatever your decision, but as someone who has gone through it the thought of it is worse than the reality, but it does take a lot of strength from the whole family.

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BR is a very personal thing.

 

One size does not fit all.

 

After years of struggling, HMRC made me BR on 19th Nov 2008.

 

I have not stopped smiling since.

 

But thats just me.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Thanks for that guys it is good to know people who have come out the other side smiling. We have kind of reached that decision especially seeing a friend dying from a brain tumour that life is too short and the stress and worry over some bricks and mortar isn't worth it. It is a difficult internal battle more than anything to just give up and call it a day but i think we are just prolonging the inevitable also a bit of scaredy cat and the thought of facing the judge/mortgage company etc is a bit daunting.

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One thing you need to know in all of this is that if you go BR before the house is repossessed the shortfall in the mortgage will become a debt which you can be pursued for later. So you need to include the mortgage shortfall in the BR - which as far as I know means you have to wait until the house is repossessed before you can go BR. I know of other people who are desperate for repossession to happen and it just hasn't:-o

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

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GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Thanks for the advice goldlady, we are nearly 3 months behind with our mortgage and have been unable to meet the payment plan they have asked for this month and have actually stopped paying the mortage and all creditors on the advice of national debtline - how long are we talking before mortgage company repossess? especially if we send them the keys back will they try and sell the house straight away or would we be better to try and sell it ourselves?

If we did sell it ourselves but don't pay the mortgage in the meantime would we have to sell it for the amount of mortgage plus any arrears - it is an interest only mortgage? All seems quite confusing?

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I know of a situation where there was a sale agreed on a house and there would have been a shortfall of about 5k which was all charges and so forth. However because there wasn't enough to repay the mortgage with all the associated charges the sale could not go through. The house is still sitting there and the owners have been advised not to go BR because the lender has done nothing about repossessing it.

 

I really don't know how to move forward in this sort of situation. I work for the solicitors who were doing the conveyancing on this one and they don't know what to do either:confused:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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In fact, thinking about your situation, you might as well stay put for now and pay nobody anything. Find somewhere else to live and move everything that is dear to you there. Other people I know did that and I think they did hand the keys back after they had sorted themselves out. They are still waiting for someone to bankrupt them but hopefully the repossession has now been actioned.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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When you go BR the property is underthe control of the OR - he needs to know that the shortfall is part of the BR.

The best thing for anyone to do is to stop paying the mortgage etc, do not attend court hearings and use the mortgage money to pay a good deposit and rental up front.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Gizmo, can the shortfall be included in the BR even if the amount is unknown at that point in time? That is what has concerned me about the issues I am dealing with and JNJL's situation.

 

If that is the case then I know of three people at least who can move on with their lives:)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Seems to make sense Gizmo. I will make further enquiries and report back.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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You can owe ten million people.

 

There is only one bankruptcy order.

 

EVERYTHING you owe at the time of the BO order is included.

 

You may owe £250k Mortgage, with costs of £50K, and a shortfall of £100K on the sale price.

 

But at the time of your BO, you owe £250K. Anything after your BO is irrelevant unless you wish to enter an arrangement.

 

In which case you need to act before there is a sale

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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