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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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GE Money about to enforce suspended reposession order. Please help


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Hi all, Really need help with this one. G E Money Home lending sent a letter, dated 5th may 2009 (we received it yesterday 11th May) stating that consideration is now being given regarding enforcement of the order for possession that was suspended on 11th November 2008 for six months, resulting in a a date being set by the baillifs for an eviction appointment. They have stated that they "may be willing to provide us with one further option to withhold further action if the breach of the........." (they left the sentence unfinished, but we are assuming the are implying if the breach was remedied ie arrears paid , which we are unable to do) I now know - (yes I know its a bit late now , but I hadn't found this site back then ) that to get a case stated or a judicial review is unlikely because of the time limits being exceeded. Is there any other way of getting this back into court for a rehearing , if so how do I go about it there is not equity in the property at all and it is not on the market for that reason, so that is not a option any and all advise would be very much appreciated

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Hi there, could you give a little more information please?

 

Did you attend the court hearing to defend the action?

What were the conditions of the suspended possession? i.e. were you to pay the arrears over a period of time?

 

If you can answer the above I can advise you further

 

Kind Regards

 

Ell-enn

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Hi there, Both my husband and I attended the hearing but didn't know any of what we know, now unfortunately, we basically wrote to the court, in defence, before hand explaining our situation, long story but one of financial hardship due to unforeseen circumstances but this was not taken into consideration at all. After confirming who we were and who the other party where, ie. a representative of GE money who was in attendance , he stated that he was applying for a possession order and it was granted but suspended for six months on the basis that we continue to pay the monthly instalment of £833 = £174 arrears. We were asked if we were able to maintain the payments if not to say so because "their was no point in delaying the inevitable" to which we relied " we are going to have to arent we , it doesn't look like we have got much choice" after her having said she could just grant a possession order ( not suspended) and that was about it. We have kept up payments including arrears for the last five months ( nov, dec, jan, feb, missed marches, but paid april's) but ti has been at he expense of everything else. We are self employed and run a small village shop, because we have paid the mortgage payments at the expense of everything else we have defaulted on all other agreements , we have had to temporarily cease trading because of the threat of bailiffs ( council tax) gaining peaceable entry. So now we have no income whatsoever, we have been refused benefit because we own the shop and the house. I have just sent then a letter asking for a subject access request. The court case was based on information in the "exhibit B" which was a copy of the "mortgage offer" which only has our signatures on it NOT the mortgage lenders. The actual mortgage contract was not produced at all let me know if you require anything else

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How much were the arrears at the time of the hearing?

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At the time of the hearing it was £2950.53 and now it is £2936.66 , as i said we have paid 5 x £174 but most of that has gone on charges / charges added

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OK, well firstly the charges cannot be added to the arrears - they are added to the outstanding balance of the mortgage and are not arrears they are charges! The 5 payments of £174 should come off the arrears.

 

However, you can enter an N244 form at court to ask for a hearing to stop enforcement of eviction - but the problem you have is that you say you have no income at present so therefore you cannot demonstrate how you will maintain payments going forward. That being the case the judge would have great difficulty in finding in your favour.

 

The other option would be to ask the court for time to sell the property. Is this mortage for the shop or the house?

 

Ell-enn

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this mortgage is for the house. the shop is mortgaged by way of a secured business loan. We would have an income if we were to open the shop again, which is our intention as soon as we stop bailiff action

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Is there any accommodation with the shop? i.e. could you move into that and rent out the house to pay the mortgage?

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i am assuming there is interest added to the arrears at at present as £14 has come off of the balance despite having paid £870

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there is a one bed flat which is in a state of disrepair really as we were halfway through remoderniseing it and making it self contained after extending the shop in order to accommodate hubby's mum , we were sole carer's for her , she had alzeimers , it was out intention to move her into the flat to be better able to care for her but she died in April before the work was completed. we have four kids

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If you live with one leg permanently in the past and one leg permanently in the future, you can't but help pee on the present !

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As a long shot you could write to GE and ask them to add the arrears to the end of the mortgage (is it interest or repayment mortgage?). If they were to agree, would you be in a position to start trading again and make payments to the mortgage? Is the shop your sole source of income?

 

If they don't agree then given that you have no income with which to maintain the mortgage payments going forward I suspect that any application you make to the court would ultimately result in a possession order being granted to GE.

 

However, if you do nothing at present and wait for GE to apply for an eviction warrant you could buy yourself some time to make arrangements for alternative accommodation. It can take a few weeks for an eviction order to be served on you and you could then apply for suspension which, given you have 4 children, might give you a further 28 or 56 days.

 

It might be a good idea to ring Shelter tomorrow (tel: 0808 800 444) they have advisors who will be able to help you in your situation and may be able to support you in court.

 

Ell-enn

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Yes the shop is our sole source of income, we bought the shop when hubby lost his job, we were both running it along with caring for his and my mother and the kids, but since his mother died i have been unable to work - lymphodema, two slipped discs, chronic asthma and hypothyroidism - so he has been running the shop. Income through the shop plummeted since all passing trade was redirected due to road works , new racecourse is being built at the bottom end of the village along with another 250 houses - opens in July if all goes to plan , so income is likely to pick up in the long term. My mother,70 yr old , has now been sectioned under the mental health act so no help there. We have contacted the council and asked to be put on the housing register but have been told that they can't do anythign until we get an eviction notice , there arent any properties round here anyway ( very rural wales) and our points are very low because we own property and are considered to have more that £18k in assets even though it is all subject to repossession. the shop has been on the market for over a year now

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If you live with one leg permanently in the past and one leg permanently in the future, you can't but help pee on the present !

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OK, I would urge you to give Shelter a ring in the morning - see what they say and let us know.

 

Ell

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OK will do, thanks for your help , i`ll let you know how I get on x x

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If you live with one leg permanently in the past and one leg permanently in the future, you can't but help pee on the present !

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  • 1 year later...

HI folks I am back again. We are still at the house and GE are still like a dog with an old bone.

 

We have been backwards and forwards to court with various eviction notices. i shall try and fill you in as briefly as possible.

 

April 2009, With regards to the shop, natwest tried to make us bankrupt but failed as they declared they did not have a "secured" interest in the business - they have and we proved it via land registry. they were ordered to rely on their "interest" ie go for possession first. Which they still have not done.

 

We finally had to cease trading June 2010, the shop has been marketed all this time and we now have a buyer and sale going through, althugh natwest are ignoring all requests for a redemption figure???? Apparently the requests are being treated as complaints ??

 

18th august 2010 GE Money issued us with an eviction notice again to be executed 1st september 2010 - on the 20th august my dad had a stroke and died on the 3rd sept :-(

 

We applied for a stay of eviction on the grounds that there was a pending benefit claim ( trying to claim income support after business closed in june , still no decision made) application to stay eviction was refused on this point but adjourned until 12th november so that we can submit more info into the court re; the proposed shop sale.

 

Went into court on 12th november , with confirmation of shop sale, solicitors details ect and a sworn affidavit stating arrears to be paid from proceeds of shop sale. Also included confirmation that i am now in receiot of benefit and offering the monthly instalment plus £200 off arrears each month until shop sale completes.

 

Claimant demanded monthly instalment plus £82.73of the arrears each month

 

judge accepted our income and expenditure form and noted that we are offering £117 per month off the arrears MORE that the claimants request but still dismissed the application to stay the eviction but stated that "the eviction is not to be enforced for eight weeks as the court is not in the habit of enforcing evictions before christmas. And he grants us leave to appeal when the claimant gets a new bailiff date " ????

 

The order came thrugh with 6 weeks on it NOT 8, we now have a new date for 10th january 2011

 

We are currently making weekly payments by standing order for the monthly instalments PLUS the £200 we offered that the judge refused

 

Obviously we will appeal again , but where do we go from here.........any suggestions............

-----

 

 

If you live with one leg permanently in the past and one leg permanently in the future, you can't but help pee on the present !

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Has the sale of the shop been completed yet?

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Hi there, what reason or reasons did the judge give when dismissing your application for a stay of eviction,as i see it,you have proof of sale,regarding the shop,so proof that you can pay off any outstanding arrears,you are in reciept of benefits so can afford your mortrgage payments going forward,your already paying more off your arrears than the claimants requested,and you are disputing the arrears amount as you believe charges have been added to the arrears figure,(all this info needs to be going on your n244 form by the way when you recieve your eviction notice).

 

Sounds to me like the judge was not switched on here, you have had 2 very poor hearings,if you can show that you are are paying off the arrears,can meet the monthly mortgage payments and your arrears is in dispute the i see no reason why this eviction should not be suspended,however you will need a good defence as this next hearing sounds as though it may be your last shot.Dont take this the wrong way but it may be that your last defence was not up to scratch,legally speaking,if that was the case then you will need to bring together,the change of circumstances and some case law,this should not be a problem as at least you have been given some breathing space.

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HI Ell -enn,

no not yet, although solicitors have been appointed on both sides and finance on the buyers part had been agreed ( offer made and accepted)

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HI Newstarter,

 

the judge did not give a reason, in actual fact after reading what was put in front of him he did actually say that yes he could see what was offered was reasonable and more than the claimant had asked for but.... he was still going to dismiss it. My solicitor objected, but before she could put forward a valid reason why he came back with "it would not be enforced for 8 weeks" ( effevectively suspending it - despite it being "dismissed") to which the claimants barrister objected demanding that it be enforced immediately - the judge them coming back again with "the courts were not in a habit of enforcing evictions before christmas."

 

The solicitor, did say before we went in ( urs was the last of the day ) that it "was not looking good - as he has dismissed all of the previous applications that day " surely all cases should be judged on their own merit.

-----

 

 

If you live with one leg permanently in the past and one leg permanently in the future, you can't but help pee on the present !

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mmmmmmmm sounds like you caught him on a bad day,all the same reasons for dismissal should have been given,and you recieved no paperwork afterwards,giving reasons for the dismissal?. Im also surprised your solicitor didnt ask,the barrister managed to get his two penneth in,why didnt she? This sounds like a poor job all round,plus a judge on a bad day,sounds to me that you were walked all over in court.

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If i were you i would put my defence of this eviction together myself,i would begin with,the sale of the shop and the fact the arrears would be paid by the proceeds from the sale,that there had been a change in circumstances regarding benefits,that there were issues with the arrears figure regarding charges, (also mention the s.a.r) i would also be looking at ge,s behaviour over this,complete an up to date income and expenditure sheet,back up your defence with some case law and go to the hearing properly prepared and defend it myself.

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What;s the chances of the sale completing before the next hearing?

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