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    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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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.

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

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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morgage lender wont repo ?


tonyf333
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hi to cut a long story short , self employed cant afford morgage payments . so want my lender to repo the property . we have not been able to pay a penny since december last year all ive had is letters saying same in 15 days we are starting legal procedings , the month after the same but they never start legal procedings , ive already got a council house and were all settled . we just need them to do it so we can rebuild our lives . how long do they usually take to do this any advice or insite are welcome.

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Is there any equity in the property?

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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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Is the property on the market? obviously it would be best if you could sell it yourself rather than let the mortgage company sell it under-value and come after you for the shortfall.

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OK, have you asked them for a redemption figure? this will be different to any outstanding amount on arrears letters etc. Are you in a fixed term mortgage i.e. is there a penalty for settling early?

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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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yes £2,000 early settlement charge , is it normal for them to leave it 8 month when no payments are being made .not asked for a redemption figure ,they sent a letter saying they would want 89k +charges .

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This is taken from the National Debtline factsheet on mortgage arrears and handing back the keys. You can get advice from them on this : http://www.nationaldebtline.co.uk/england_wales/pdf/self_help_pack/mortgage_arrears.pdf

 

 

Handing back the keys

Remember

Handing back keys

You may be thinking about handing the keys back to your

lender or selling your home.This may not be a good idea.

Contact us for advice.

If you give your home back to your lender, you will still be

charged the monthly instalments on the mortgage. If you do

not pay, your lender will add the instalments to the debt you

owe when the house is sold.They can also add extra interest

on to the arrears figure.The monthly instalments will only

stop being added when your lender sells your home.This

could take a long time.The lender will probably add solicitor’s

and estate agent’s fees and any court costs on to the bill.

Your lender will probably get a lower price for the house than

if you sold it yourself. It is harder to get a buyer for an empty

house. Empty houses are more likely to be vandalised or damaged.

If you give up your home and ask your council to rehouse

you, they will probably say that you have made yourself

‘intentionally (deliberately) homeless’ and refuse to offer

you anywhere to live. Contact us before you do this.

Help us to keep on helping

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

 

 

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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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You need to get proper advice as ell-enn says.

If you let the mortgage company repossess the house it will go to auction or through an agent for best offer. It could go for anything £50k -£60k. You would still be liable for the outstanding amount. It is best you try and sell it for as much as you can.

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