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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

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Repossession hearing...


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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...

 

Don't just sit back, as you need to do a bit of work.

 

You will have no doubt heard in the media over recent months that the government have put more pressure on mortgage companies to not start possession proceedings unless it is the last resort.

 

Thus you need to make sure that you actions mean that they can't use the "last resort" reason.

 

So:

 

  • Preferred is now operated by Capstone Mortgage Services. It would be helpful to you if you could find out if they both or either of them subscribe to the Mortgage Code issued by the Council of Mortgage Lenders.
  • If so, read this code carefully. It tell you what they will do when customers are having difficulties. If they are not following this code, write to the solicitors and point out that they are in breach and why.
  • If you can't pay the full amount, pay what you can. Try and pay at least the interest-only amount. (If you can't work it out, post the figures so we can do it for you).
  • Read the following leaflet from the FSA and follow the advice
  • Unless a last resort do not make or accept phone calls about your arrears. When you are stressed it is difficult to think straight. With a letter, you can ponder its meaning; put it down and go for a walk before re-reading it. Communicate only in writing.

Hope this helps.

Edited by Esio Trot
Added FSA leaflet link

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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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...

 

Don't just sit back, as you need to do a bit of work.

 

You will have no doubt heard in the media over recent months that the government have put more pressure on mortgage companies to not start possession proceedings unless it is the last resort.

 

Thus you need to make sure that you actions mean that they can't use the "last resort" reason.

 

So:

 

  • Preferred is now operated by Capstone Mortgage Services. It would be helpful to you if you could find out if they both or either of them subscribe to the Mortgage Code issued by the Council of Mortgage Lenders.
  • If so, read this code carefully. It tell you what they will do when customers are having difficulties. If they are not following this code, write to the solicitors and point out that they are in breach and why.
  • If you can't pay the full amount, pay what you can. Try and pay at least the interest-only amount. (If you can't work it out, post the figures so we can do it for you).
  • Read the following leaflet from the FSA and follow the advice
  • Unless a last resort do not make or accept phone calls about your arrears. When you are stressed it is difficult to think straight. With a letter, you can ponder its meaning; put it down and go for a walk before re-reading it. Communicate only in writing.

Hope this helps.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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  • 3 weeks later...

Well we got a letter from the court this morning stating that a court hearing has been set for the 24th June 2009 at 12:45.

 

Furthernore the date which has been set we are not available to attend the court as we will be on holiday, my mother has paid for us to go on holiday with her, can anything be done to get this date altered until we get back.

 

Prefered have sent us a form to fill out with our incomings and outgoings and our account is being looked at by the loans department. I did speak to a guy from the loans department and I asked him if court action will cease if we come to some arrangement and he said possibly. They are going to look at the form I am going to send them and then decide what they can do to help us, I did tell the guy I want it in writing.

Edited by nicolee2931
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Well we got a letter from the court this morning stating that a court hearing has been set for the 24th June 2009 at 12:45.

 

Furthernore the date which has been set we are not available to attend the court as we will be on holiday, my mother has paid for us to go on holiday with her, can anything be done to get this date altered until we get back.

 

Prefered have sent us a form to fill out with our incomings and outgoings and our account is being looked at by the loans department. I did speak to a guy from the loans department and I asked him if court action will cease if we come to some arrangement and he said possibly. They are going to look at the form I am going to send them and then decide what they can do to help us, I did tell the guy I want it in writing.

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Most county courts now have a duty solicitor.

 

May I suggest that you take your paperwork, plus the hearing letter down to the court and see what the lawyer can do for you.

 

  • If Preferred are subscribers to the Mortgage Code, then you might well have grounds for getting the hearing set aside. This is because a possession hearing should be the last resort, not simply a timed process that Preferred follow without regard to communications and offers. The courts time is valuable and should not be used when there is any other way. If Preferred are ignoring your attempts at finding a solution (and their morals mean that this is the norm for them in my experience), then they are contemptible.
  • As you will not be available on the day set, you need to apply for a postponement - again the duty lawyer can sort out the right forms to enable you to do this.

Do not just sit back.

  • Haha 1

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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Most county courts now have a duty solicitor.

 

May I suggest that you take your paperwork, plus the hearing letter down to the court and see what the lawyer can do for you.

 

  • If Preferred are subscribers to the Mortgage Code, then you might well have grounds for getting the hearing set aside. This is because a possession hearing should be the last resort, not simply a timed process that Preferred follow without regard to communications and offers. The courts time is valuable and should not be used when there is any other way. If Preferred are ignoring your attempts at finding a solution (and their morals mean that this is the norm for them in my experience), then they are contemptible.
  • As you will not be available on the day set, you need to apply for a postponement - again the duty lawyer can sort out the right forms to enable you to do this.

Do not just sit back.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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Well we rang the court where the hearing is being held and they have no duty solicitor.

 

However I have written to Prefered again telling them under no uncertain terms that I want an arrangement as they have done nothing to help prevent this matter proceeding to court, I have also reminded Prefered that on 2 previous occasions I have asked them to supply me a copy of their code of conduct in what they do in helping in matters of financial hardship which they have failed to do, I also asked them to accept the letter I sent as a formal complaint. I did manage to speak to a solicitor who is provided in our home insurance policy and he said it would be a good idea to complain to the lender giving 7 days to reach a decision as time is short, if they continue to stall or are unwilling to help then report them to the Financial Ombudsman Service to investigate the matter at the end of the 7 day period. I have included all this in my complaint to Prefered and have sent a copy to their solicitor as well as continuing to pay what I can afford on the loan.

 

The solicitor did say that if the matter still proceeds to court and action is not withdrawn prior to the hearing I should inform the court that the matter is being investigated by FOS, the solicitor did say the courts frown upon lenders who do not withdraw action when the complaint is being dealt with by the FOS in matters of improper conduct. Is there any truth in what the solicitor has told me as I have searched the forum for this approach in tackling rogue lenders and nothing seems to flag up, or is this a totally new approach in dealing with lenders who fail to follow the guidelines issued recently by the government.

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Well we rang the court where the hearing is being held and they have no duty solicitor.

 

However I have written to Prefered again telling them under no uncertain terms that I want an arrangement as they have done nothing to help prevent this matter proceeding to court, I have also reminded Prefered that on 2 previous occasions I have asked them to supply me a copy of their code of conduct in what they do in helping in matters of financial hardship which they have failed to do, I also asked them to accept the letter I sent as a formal complaint. I did manage to speak to a solicitor who is provided in our home insurance policy and he said it would be a good idea to complain to the lender giving 7 days to reach a decision as time is short, if they continue to stall or are unwilling to help then report them to the Financial Ombudsman Service to investigate the matter at the end of the 7 day period. I have included all this in my complaint to Prefered and have sent a copy to their solicitor as well as continuing to pay what I can afford on the loan.

 

The solicitor did say that if the matter still proceeds to court and action is not withdrawn prior to the hearing I should inform the court that the matter is being investigated by FOS, the solicitor did say the courts frown upon lenders who do not withdraw action when the complaint is being dealt with by the FOS in matters of improper conduct. Is there any truth in what the solicitor has told me as I have searched the forum for this approach in tackling rogue lenders and nothing seems to flag up, or is this a totally new approach in dealing with lenders who fail to follow the guidelines issued recently by the government.

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Hi, I think you now need to send in a defence statement t court and I can help you write that. Gather together all the correspondence you have sent to Preferred and also their letter to you. Put in date order and we will send in copies of it all to back up your statement.

 

You will also have to let the court know that you are unable to attend the hearing - it is very unlikely that Preferred will agree to postpone the date, as they will think your non attendance will work in their favour. However, with a good defence statement you should get a suspended possession order.

 

Ell-enn

  • Haha 1

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

 

 

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Hi, I think you now need to send in a defence statement t court and I can help you write that. Gather together all the correspondence you have sent to Preferred and also their letter to you. Put in date order and we will send in copies of it all to back up your statement.

 

You will also have to let the court know that you are unable to attend the hearing - it is very unlikely that Preferred will agree to postpone the date, as they will think your non attendance will work in their favour. However, with a good defence statement you should get a suspended possession order.

 

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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That would be great Ell-enn if you could help either with the N11M or a defence statement. To be honest when I said we were going away we were not going to foreign land we are only going to Devon for a week with the kids, my husband said he would travel back by himself on the day of the hearing just to be sure someone does attend it would mean a 320 mile 6 hour round trip but i'm sure its best for someone to be there. Does you have any ideas on what advice i've been given over the phone on reporting Prefered to the FOS, as to be honest I don't think they have conducted themselve fairly at all and sould I still write to the FOS at the expiry of the 7th day?

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That would be great Ell-enn if you could help either with the N11M or a defence statement. To be honest when I said we were going away we were not going to foreign land we are only going to Devon for a week with the kids, my husband said he would travel back by himself on the day of the hearing just to be sure someone does attend it would mean a 320 mile 6 hour round trip but i'm sure its best for someone to be there. Does you have any ideas on what advice i've been given over the phone on reporting Prefered to the FOS, as to be honest I don't think they have conducted themselve fairly at all and sould I still write to the FOS at the expiry of the 7th day?

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Hi Nicolee, I don't know if it's too late to think about this for your defence, but certainly if I was going to be repossessed I would demand this in a court case, before going to the hearing of course so that you could get your defence planned right - demand from the creditor proof that your mortgage has not been securitised - my understanding is if it has been securitised the debt has been sold on, and it seems that 80% of mortgages are. In that case it may be that the original lender is no longer the true owner of the debt any more, and therefore cannot demand you pay it.

 

See the thread on securitisation on the Consumer Credit Support forum and get in touch with Dragonlady on that forum.

 

and also this discussion

Mark Wadsworth: "Are securitisation companies above the law?"

 

It might be worth getting in touch with Dragonlady on that CCS forum to see if she can help you out, she might be able to help you find out if the debt has been securitised and also help you with your defence. They are very experienced people on that forum.

 

Best of luck. Red.

Edited by Redfish
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Hi Nicolee, I don't know if it's too late to think about this for your defence, but certainly if I was going to be repossessed I would demand this in a court case, before going to the hearing of course so that you could get your defence planned right - demand from the creditor proof that your mortgage has not been securitised - my understanding is if it has been securitised the debt has been sold on, and it seems that 80% of mortgages are. In that case it may be that the original lender is no longer the true owner of the debt any more, and therefore cannot demand you pay it.

 

See the thread on securitisation on the Consumer Credit Support forum and get in touch with Dragonlady on that forum.

 

and also this discussion

Mark Wadsworth: "Are securitisation companies above the law?"

 

It might be worth getting in touch with Dragonlady on that CCS forum to see if she can help you out, she might be able to help you find out if the debt has been securitised and also help you with your defence. They are very experienced people on that forum.

 

Best of luck. Red.

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  • 2 weeks later...

Well an update as things have taken a promising turn for the better, we wrote to Preferred Mortgages at the beinging of June 2009 complaining about the poor service we recieved from them while in financial difficulty. We recieved a 3 page letter back from them regarding our complaint dated the 6th June basicly stating that although they had tried to assist they did feel they had not done enough to prevent to matter proceeding to court and explained their shortfallings in detail, which was nice of them to finally admit. They didn't mention anything about calling the court hearing off.

 

However today out of the blue we recieve a letter from their solicitor stating that they want the hearing ajourned with the option to restore. So all in all a good result. We are currently in process of negotiating a payment with the intention to reducing the arrears. So it does appear the threats and promises of reporting their poor service and inability to follow pre-action protocols to the FOS does work. I even had the completed forms ready to send to the FOS on Monday 15th June 2009.

 

Thanks to all for the help especially Ell-enn, scales clicked.

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Well an update as things have taken a promising turn for the better, we wrote to Preferred Mortgages at the beinging of June 2009 complaining about the poor service we recieved from them while in financial difficulty. We recieved a 3 page letter back from them regarding our complaint dated the 6th June basicly stating that although they had tried to assist they did feel they had not done enough to prevent to matter proceeding to court and explained their shortfallings in detail, which was nice of them to finally admit. They didn't mention anything about calling the court hearing off.

 

However today out of the blue we recieve a letter from their solicitor stating that they want the hearing ajourned with the option to restore. So all in all a good result. We are currently in process of negotiating a payment with the intention to reducing the arrears. So it does appear the threats and promises of reporting their poor service and inability to follow pre-action protocols to the FOS does work. I even had the completed forms ready to send to the FOS on Monday 15th June 2009.

 

Thanks to all for the help especially Ell-enn, scales clicked.

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That's great news! well done for sticking up for yourself :)

 

Just one thing - make sure you telephone the court to ensure they have in fact cancelled the hearing. It wouldn't be the first time a lender "forgot" to cancel!

 

Ellx

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That's great news! well done for sticking up for yourself :)

 

Just one thing - make sure you telephone the court to ensure they have in fact cancelled the hearing. It wouldn't be the first time a lender "forgot" to cancel!

 

Ellx

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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  • 3 years later...

i have been sent a letter today from Acenden's Solicitors TLT stating,

that as we had as we had broken the terms of our suspended possession order Acenden were again going for repossession again

and that an application had been made to the court on the 3rd October 2012.

 

We had sent a letter to acenden back in August stating that our son who has a serious heart condition had been admitted to hospital to have heart surgery performed,

and we explained that due to a sudden loss of income from my wife taking time from work we MAY not be able to meet our financial commitments

but explained we would gradually make up the shortfall upon my wife's return to work.

We never heard anything back from Acenden until their solicitors today.

 

We paid what what we could in August, September & October and have calculated our shortfall to be around £800,

I cannot understand the brutality of these people considering what we have been through with our son over the past 7 weeks,

our son has only recently been discharged from hospital and I have only returned to work this week.

 

The question is what do we do now, the letter from Acenden solicitor states we will hear from the court in due course regarding an eviction date.

 

We were having a good run of it and stayed out of problems for 18 months and then our son got took ill suddenly then boom it all starts again.

 

Our other successful thread is below;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282746-Capstone-restored-possession-hearing.-**SUSPENDED**

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Try not to worry.

 

If you had 18 successful months of meeting your commitments, and have proof of such until this blip due to your child's ill-health and his mother needing to take time off work to care for him, then you will have a very good explanation to offer the judge as to why you have fallen behind. It would be a very harsh judge who did not consider that to be a valid reason to stay an eviction.

 

When you receive the notice of eviction, you will need to file a stay application on form N244 in order to get a hearing before a judge- but as you have done this previously, you will be aware of the procedure.

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Hi, I replied on your other thread

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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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Thanks all, I will wait for the eviction date to come through but I will get the N244 ready in the mean time so I can just take it along to the court when I know what is going on.

 

If I get stuck I'll be back.

 

I have a good mind on the day of the hearing to take pictures along of my son in a induced coma in intensive care with a 10 inch cut up his chest just to show how despicable this company is.

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