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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me    
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    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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Repossession hearing...


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Myself and the otherhalf recieved a letter from our lenders solicitor this morning stating that they are restarting the possession hearing that we mangaed to get stopped as our lender had not acted fairly when tring to take us to court in November 2008.

 

I will provide a little more info, at the late part of 2007 I was involved in an accident at work which resulted me being off work for several months, also in April 2008 I had to have an emergency hysterectomy which resulted in a further prolonged absence from work due to complications, on the back of all this my husband got made redundant in November 2008, so basicly put we have been missing a whole salary for around 18 months.

 

Over this period we have tried to and pleaded with our lender to reduce payments or switch to interest only and they have been firm throughout and will not help. At this monent in time the arrear stand at £8770.00.

 

My question is while we have been paying what we can afford towards the mortgage, if this matter went to a hearing has the judge the right to force a reduced payment or an interest only payment upon our lender. We have tried to be reasonable throughout but our lender has not, furthermore we have a son with a heart contidion and being kicked out of our home isn't going to help his condition.

 

Any advice anyone could give would be most welcome.

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Myself and the otherhalf recieved a letter from our lenders solicitor this morning stating that they are restarting the possession hearing that we mangaed to get stopped as our lender had not acted fairly when tring to take us to court in November 2008.

 

I will provide a little more info, at the late part of 2007 I was involved in an accident at work which resulted me being off work for several months, also in April 2008 I had to have an emergency hysterectomy which resulted in a further prolonged absence from work due to complications, on the back of all this my husband got made redundant in November 2008, so basicly put we have been missing a whole salary for around 18 months.

 

Over this period we have tried to and pleaded with our lender to reduce payments or switch to interest only and they have been firm throughout and will not help. At this monent in time the arrear stand at £8770.00.

 

My question is while we have been paying what we can afford towards the mortgage, if this matter went to a hearing has the judge the right to force a reduced payment or an interest only payment upon our lender. We have tried to be reasonable throughout but our lender has not, furthermore we have a son with a heart contidion and being kicked out of our home isn't going to help his condition.

 

Any advice anyone could give would be most welcome.

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one 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

 

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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

 

The mortgage company concerned is Prefered Mortgages, we have so far written to them on 4 occasions, all of our letters to them have been to get them to lower our payments and our last 2 letters we asked if we could be moved to interest only in the short term until our situation improves.

 

We got the letter from their solicitors (TLT) this morning, I rang them and recorded the phone call and explained I cannot understand as to why they have started court action again as we have had no response to our letter we sent to prefered. The guy at the solicitors said he cannot understand either but said he would try to find some information out and let us know by phone this afternoon, I am still waiting for his call. He also said he would drop a letter also in the post.

 

I have also rang Prefered Mortgages up this afternoon to ask them what is going on as we have had no response to our letters or the phone call I made to them 2 weeks ago giving them a statement of our income and expenditure they said they needed this as so they could get a specialist to look at. They said there was a backlog of cases for their specialist team to look at. That is the reason they gave for their non response, I also record this phone call.

 

Every letter we have sent them they have ignored, their response is the usual we get a letter from their solicitors not them, to be honest its frustrating and very unfair. We have also asked Prefered in all our letters we sent them to provide us with a copy of their procedure or policy for helping people in difficulty paying their mortgage, we are still waiting on this also.

 

To be honest I don't know where to start because neither the solicitor or the lender seems to know what is going on, so in my opinion they should not have restarted the court case for possession.

 

If you could offer any advice Ell-enn or draft a letter that would be great.

Edited by nicolee2931
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Hi there, a judge cannot alter the terms of the mortgage (but I believe there will be new powers in place soon). However, if your lender has not been reasonable in considering a payment holiday or interest only option then this will go against them in court.

 

who is the lender? Have you put your request to them in writing regarding interest only or payment holiday? If not you should do so immediately then you can show the court you have asked for help. Also, do you have any correspondence from them proving they have not been helpful?

 

If you need help with a letter please let me know and I'll draft one for you.

 

Ell-enn

 

The mortgage company concerned is Prefered Mortgages, we have so far written to them on 4 occasions, all of our letters to them have been to get them to lower our payments and our last 2 letters we asked if we could be moved to interest only in the short term until our situation improves.

 

We got the letter from their solicitors (TLT) this morning, I rang them and recorded the phone call and explained I cannot understand as to why they have started court action again as we have had no response to our letter we sent to prefered. The guy at the solicitors said he cannot understand either but said he would try to find some information out and let us know by phone this afternoon, I am still waiting for his call. He also said he would drop a letter also in the post.

 

I have also rang Prefered Mortgages up this afternoon to ask them what is going on as we have had no response to our letters or the phone call I made to them 2 weeks ago giving them a statement of our income and expenditure they said they needed this as so they could get a specialist to look at. They said there was a backlog of cases for their specialist team to look at. That is the reason they gave for their non response, I also record this phone call.

 

Every letter we have sent them they have ignored, their response is the usual we get a letter from their solicitors not them, to be honest its frustrating and very unfair. We have also asked Prefered in all our letters we sent them to provide us with a copy of their procedure or policy for helping people in difficulty paying their mortgage, we are still waiting on this also.

 

To be honest I don't know where to start because neither the solicitor or the lender seems to know what is going on, so in my opinion they should not have restarted the court case for possession.

 

If you could offer any advice Ell-enn or draft a letter that would be great.

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Hi, did you send your letters by recorded delivery and obtain proof of delivery? Also, did you keep copies of these letters?

 

I have affixed a letter for you to send to them by recorded delivery - do this tomorrow if at all possible so they will receive it on Monday. Keep the receipt for posting and in a few days check on the Royalmail website to print off the signature receipt. Keep a copy of the letter and clip the signature receipt to it.

 

I have also affixed the budget sheet we use, you will need to send them that with the letter.

 

Also send a copy of the letter to TLT solicitors (by recorded delivery), with a covering letter as follows:

 

..................................................................................Your Address

 

25th April 2009

 

By Recorded Delivery

 

Name of contact at TLT

TLT Address

 

 

 

Dear Sirs,

 

Your Ref: XXXXX

Re Preferred Mortgages Account No: XXXXX

 

Please find affixed copy letter sent to Preferred by recorded delivery on 25th April.

 

Yours faithfully,

 

 

 

XXXX

 

Encs.

 

Any questions, just shout :)

 

Ell-enn

Budget Sheet.xls

Nicolee2931 letter.doc

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Hi, did you send your letters by recorded delivery and obtain proof of delivery? Also, did you keep copies of these letters?

 

I have affixed a letter for you to send to them by recorded delivery - do this tomorrow if at all possible so they will receive it on Monday. Keep the receipt for posting and in a few days check on the Royalmail website to print off the signature receipt. Keep a copy of the letter and clip the signature receipt to it.

 

I have also affixed the budget sheet we use, you will need to send them that with the letter.

 

Also send a copy of the letter to TLT solicitors (by recorded delivery), with a covering letter as follows:

 

..................................................................................Your Address

 

25th April 2009

 

By Recorded Delivery

 

Name of contact at TLT

TLT Address

 

 

 

Dear Sirs,

 

Your Ref: XXXXX

Re Preferred Mortgages Account No: XXXXX

 

Please find affixed copy letter sent to Preferred by recorded delivery on 25th April.

 

Yours faithfully,

 

 

 

XXXX

 

Encs.

 

Any questions, just shout :)

 

Ell-enn

Budget Sheet.xls

Nicolee2931 letter.doc

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

 

 

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You're welcome :)

 

Did you keep copies of previous letters you sent to them?

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

 

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You're welcome :)

 

Did you keep copies of previous letters you sent to them?

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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Yes we've got copies of all the letters we have sent to Prefered. But this is the first time we have wrote to their solicitor.

 

I have recorded all telephone calls to and from Prefered, the last phone call we made to Prefered their representative said on the phone for now the matter will proceed to court even though our financial statement in sitting in a queue to be looked at, doesn't seem very fair to me, do you think its worth sending a transcript of that telephone call to their solicitor?

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Yes we've got copies of all the letters we have sent to Prefered. But this is the first time we have wrote to their solicitor.

 

I have recorded all telephone calls to and from Prefered, the last phone call we made to Prefered their representative said on the phone for now the matter will proceed to court even though our financial statement in sitting in a queue to be looked at, doesn't seem very fair to me, do you think its worth sending a transcript of that telephone call to their solicitor?

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Hi there, you should keep all your evidence for now and wait and see if it gets to court.

 

You need to send the letter and budget sheet to Preferred with a COPY to the solicitors as I put in my earlier post.

 

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, you should keep all your evidence for now and wait and see if it gets to court.

 

You need to send the letter and budget sheet to Preferred with a COPY to the solicitors as I put in my earlier post.

 

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

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

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

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

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

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

 

Hubby is applying for jobs but there are very few in his line of work, but that said he is training to be a driving instructor which there is plenty work out there for him upon completing the qualifying exams.

 

I have been unable to calculate an interest only payment but it is going to be substantially less that the £600 p/m they are currently asking for which includes repayment & interest.

 

To be honest Prefered have been one of the most awkward companies I have ever had to deal with, while we have managed to come to arrangements with our other creditors, Prefered won't budge very nasty piece of work indeed.

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Hi

 

sorry to hear of your problems.

 

Have you actually worked out what your interest only payments would be and how much that would help you.

 

What are the prospects of employment in your area do you think?

 

Hubby is applying for jobs but there are very few in his line of work, but that said he is training to be a driving instructor which there is plenty work out there for him upon completing the qualifying exams.

 

I have been unable to calculate an interest only payment but it is going to be substantially less that the £600 p/m they are currently asking for which includes repayment & interest.

 

To be honest Prefered have been one of the most awkward companies I have ever had to deal with, while we have managed to come to arrangements with our other creditors, Prefered won't budge very nasty piece of work indeed.

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interest only is your current debt -times the current interest rate - divide by 12 divide by 100

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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Share on other sites

interest only is your current debt -times the current interest rate - divide by 12 divide by 100

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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  • 2 weeks later...

Well the letter provided by Ell-enn got sent off almost 2 weeks ago now still nothing back from Prefered or the court, so we will just sit and wait see what happens.

 

I will post back of any new developments...

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Well the letter provided by Ell-enn got sent off almost 2 weeks ago now still nothing back from Prefered or the court, so we will just sit and wait see what happens.

 

I will post back of any new developments...

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OK, keep us up updated :)

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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