Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Capstone/Acenden reposession date


slgsue
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2779 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have today received a letter from my mortgage company (Capstone's) solicitors saying that we they have written to the court bailiff asking them to arrange a date and time for us to be evicted.

 

We are £1,400 behind on our court arrangement £1000 of which can be paid by Monday 28th Sept.

 

I have spoken to Capstone and they have said that the arrangement has been cancelled and unless I pay £5300 by the eviction date - yet to be set we will lose our home.

 

I am so scared can anyone give me any advice/help.

Link to post
Share on other sites

  • Replies 206
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Slgsue

 

Bit out of my league I'm afraid, don't panic though someone will look in on you soon.

 

Try hitting the red triangle for the site team and ask if Ell-enn can offer you some advice a little later.

 

Chin up :wink:

 

Gez

Link to post
Share on other sites

Hi there, what will happen is that the solicitors will apply to the court for a warrant of eviction, you will then be served with the warrant which will give around 14 days notice of an eviction date. However, you can enter an N244 form at court asking for a hearing to suspend eviction and I can help you with that. Provided you can show you are able to make the payments going forward you will be ok.

 

Did you attend the original hearing when the suspended order was granted?

 

What was the reason for missing the payments under the order?

 

Make the payment on the 28th, this will help your case - are you going to pay by debit card? if so get a bank statement straight away (if you are on internet banking it will be easy, if not go into your bank and get one).

 

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.

Link to post
Share on other sites

Thanks for the quick replies. The reason for being behind is that my husband gets paid in month and last month we had some difficulties due to paying childcare over the holidays so we could both work!

 

I will be paying by debit card and do have internet banking.

 

I did attend the court hearing and was out of work at the time so hence only paying an extra £50.

 

Do I fill this form out before I get the eviction date?

Link to post
Share on other sites

If you enter the N244 before you get a notice of eviction it will cost you £75.00, if you wait till the notice comes it is £35.00. However, if you are paying £1,000 on 28th - you may be able to negotiate with Capstone to cancel the eviction based on the fact you are able to make payments going forward. If not, then you enter the N244.

 

It's your choice, let me know what you want to do and we'll take it from there.

 

It might be a good idea to send a letter (by fax if possible) to Capstone detailing the problem you have had and advising of the payment to be made on 28th - if you need help with the letter let me know and I'll draft one for you.

 

Ell

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.

Link to post
Share on other sites

Thanks Ell.

 

I definately dont want to pay £75!!!! I will wait for the eviction date. The staff at Capstone have been incredibly unhelpful so far so any help with letters etc will be extremely gratefull.

 

I have even resorted to asking for a loan from my in-laws but they cannot give me enough money. I just dont want it to get to having the bailiff date given to me for next week when I havent had the chance to prepare properly!

 

Sue

Link to post
Share on other sites

OK, I'll draft a letter - are you able to fax it to them?

 

In the meantime, I have affixed the budget form we use - you will need to send that with the letter (and also affix it to the N244 if you have to submit one). When filling it in remember that the amount you are offering to pay towards the arrears each month in addition to the normal monthly payment is the amount left over after everything else has been accounted for. It's a good idea to print one off to "practise" on first so you get the sums right.

 

I'll affix the letter shortly.

 

Ell

Budget Sheet.xls

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.

Link to post
Share on other sites

I really appreciate that. I can fax it to them from work I am sure my boss wont mind.

 

I think I will go over the sheet tomorrow as feeling a little stressed tonite and wont concentrate properly!!!!

 

I know you cant say 100% but what do you think is the likelyhood of us losing our home?

Link to post
Share on other sites

Hi there, affixed is the letter. Make sure you ring them up and get the correct fax number - after you send it make sure you get a fax confirmation receipt. You should also send the letter by special delivery (again make sure you have the correct address). Keep a copy of both the letter and the budget sheet, pin the fax receipt and postal receipt (you can print the signed for receipt off the royal mail website in a few days) to your copy. Keep all this safe in case we need to put in an N244.

 

Also, the second page of the document I have affixed is a letter to the solicitors (which you should again fax and send) which gives them a copy of what you have sent to Capstone.

 

Do you have a statement from Capstone? no doubt there will be arrears charges in the amount of arrears they are stating you owe!

 

If we need to enter an N244 and you can demonstrate to the court that you have a) the income to make payments going forward and b) a good reason for having missed the payments ( and you can demonstrate both of these :)) then you won't lose your home. Judges don't want to take people's homes away unless there is absolutely no hope of making payments.

 

Ell

Slgsue letter.doc

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.

Link to post
Share on other sites

Thank you for that letter. It hasn't helped them be any nicer but not really surprised!!!!

 

I have managed to come up with £3400 off the arrears. My new question is shall I pay all of this off in full if they will come to an arrangement with me in writing or should I just clear what was my arrangement and wait to get in front of a judge with the rest of it?

 

It is just that I have spoken to them and as I dont currently have an arrangement in place they are going to add another £115 in charges on Thursday!!!!! After looking at my original court documents I turns out that at least £2000 of these arrears are charges, I nearly passed out with shock!

Link to post
Share on other sites

I would pay as much as you can now - if you receive an eviction notice we can enter an N244 and tell the judge the arrears total contains charges and is therefore not a true reflection of the position.

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.

Link to post
Share on other sites

I am going through the budget sheet I have a second mortgage does that payment come under mortgage? Stupid question I know but want it to be right!!!

 

Update!!! Just spoken with Capstone and offered my payment of £3400 and went through my budget sheet with them that I had prepared earlier!!!! And said I could afford £150 a month off my arrears.

 

She has said that she will put it across to the referral team and I will know in 48 hours max. She has also said that the date she will put the arrangement for is 1 Nov so I dont incur any more in the way of charges.

 

It all sounded quite positive and she felt that it was reasonable what I was offering. I have asked that if this is acceptable to them for them to put confirmation in writing before I make this payment which she agreed to.

 

How does that sound to you guys as I have read your posts and think your advice is amazing:D.

Link to post
Share on other sites

If they're prepared to put it in writing and it's what you can afford then obviously it's best to come to that arrangement rather than go to court.

 

Are you sure you can afford to pay £3400 in a lump sum?

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.

Link to post
Share on other sites

Its actually an interest free loan from a friend for which we have drawn up a contract etc for and I am expecting to receive a lump sum from some PPP policies shortly. It's actually what I do for a living LOL!!!!!

 

I would just rather get it resolved as soon as we can to stop any further charges etc which at the moment are being charged at £165 per month, though am prepared to see them in court if they do not except the offer.

 

Also we are desperate to be able to get these arrears cleared asap so as to be able to get a remortgage with a nicer company as other than my mortgage all my other "debts" are up to date and thats the only thing that negatively affects my credit rating.

Link to post
Share on other sites

New update................... Capstone have accepted my repayment offer and am now just waiting for the funds to clear to have the repossession stopped!!!!

At the same time my boss is looking into my mortgage for me as he believes from working in the mortgage industry for many many years that my charges are unfair and could possibly be written off/refunded whatever it is they do with them!

I shall keep you posted but thank you soooooooooooooo much for your help and support, it matters so much when you are in this sort of predicament!

Link to post
Share on other sites

New update................... Capstone have accepted my repayment offer and am now just waiting for the funds to clear to have the repossession stopped!!!!

At the same time my boss is looking into my mortgage for me as he believes from working in the mortgage industry for many many years that my charges are unfair and could possibly be written off/refunded whatever it is they do with them!

I shall keep you posted but thank you soooooooooooooo much for your help and support, it matters so much when you are in this sort of predicament!

 

 

there are some other cases on here where the charges have been refunded. As soon as you hopefully get another mortgage arranged then you can start the ball rolling. the correct proceedure I believe is to put in an official complaint and then go to the FOS . When you are ready I can post you some links to relevant threads.

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

Link to post
Share on other sites

lol Sillygirl that doesnt surprise me they are horrible people!

 

Thanks Janus that would be great, just hoping it will be sooner rather than later. Need to get away from Capstone!

Link to post
Share on other sites

  • 2 weeks later...

Would really appreciate some advice please! Have got the money in my account to pay the arrangement I have come to with Capstone. Before I do is there anything I need to ask/say to them as I dont want to part with all of this money and then they suddenly go back on the agreement and go ahead with the eviction which is set for 19 October.

 

The last time I spoke with them they said that they would contact their solicitiors once I have made payment to stop the eviction, how long does it take them to contact the courts solicitors for this as it is only a week away and despite my apparant coolness am absolutely petrified.

 

Please could someone advise??? xxx

Link to post
Share on other sites

I have actually received the order from the court in the form of 3 notices of eviction, for me, my husband and a joint notice. I am aware that I can fight this in court but dont feel I would be strong enough too, last time we went to court for the suspended order I just sat there like a meek little mouse and accepted the fate they dealt me.

 

Now I am back at work and we know we have money coming our way, our aim is to simply pay and clear these arrears and hopefully at that point we can remortgage with a better company if the market picks up.

 

We are looking into claiming about being mis sold this mortgage as quite simply it wasnt affordable to us at the time as I was out of work and ever since we have struggled!

Link to post
Share on other sites

You'll need a bit of help from Ell-enn with this.

 

I would suggest you get that N244 filed (if not already) to request a hearing for suspension of repo.

 

You'll need your budget sheet sorted as well to show that you can clear the arrears and are committed to doing do.

 

As for the payment, if you have it pay it, but ensure all done correctly and receipted, you'll be asked for evidence of this at hearing.

 

Best of luck

 

Gez

Link to post
Share on other sites

right my lump sum is now paid and the repossession I have been told is being stopped. I rang their solicitors who advised me that I will have this confirmed to me in writing and that Capstone had indeed called them to cancel the repossession.

 

No feeling of relief yet though until I receive that letter from them, I just dont have an ounce of trust for them!!!!!

 

Once I receive that my next course of action will be to try and get these charges I have incurred sorted out because that would probably take me out of arrears completely!!!! Any suggestions how to go about that?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...