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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • 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.
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Firstplus repossession hearing 15th December - advice/help please.


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Hi,

 

Some of the information here is included in my previous post but since we have now had a court date through I'd prefer to get some more specific advice rather than just trying to find out about the validity of the agreement. Mods - if you wish to remove the previous thread that's fine.

 

First of all I should say that we are not trying to dodge out of the loan, it's just that we cannot afford to repay at the moment due to a change in financial circumstances going back nearly 3 years. My battle here is to try to save our home any way I can.

 

Here are the numbers - The settelment figure to Firstplus is over 100K on a loan that was for 70K with PPI of 17K added to it. The arrears are 17K and we do not have this available to clear the arrears. There seems little point in trying to raise this from family (doubt that would be possible anyway) as we still would not be able to make the monthly payments (over £800). The main mortgage is paid up to date (got very lucky with a tracker 2 years ago). The value of the house would be around 130k at auction (we paid 145K) and the outstanding balance to the primary lender is £126K. As you can see once the main mortgae is settled from the auctioned house Firstplus would get next to nothing.

 

I currently have a complaint with the FOS for the mis-selling of the single premium PPI and have read elsewhere that as the precise amount of arrears cannot be established due to the PPI case a judge would not proceed, although I think this was only due to the FOS having told FP at the last minute to write off the PPI and re-write the loan without the PPI. The FOS case is probably 2 months from resolution and we only have 3 weeks. I have written to the court to ask for an adjournment pending the FOS complaint outcome.

 

My first aim is to get the hearing either adjourned or cancelled. I then also need to explore the validity of the credit agreement and FP's lack of communication or consideration of teh pre action protocol, more of which later.

 

Any ideas about first of all getting the hearing postponed?

 

Sorry for the lengthy post, so many questions, so little time

 

Pubman1

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Any ideas about first of all getting the hearing postponed?

 

Hi you will need to fill in an N244 (Application Notice)

form to try and adjourn the hearing.

You can find one of these on the internet just google N244, you will have to fill it in while it is open and print it off,as you can not save it.

You will also have to give a reason why you want to adjourn.

There is also a cost involved.

You have right up untill the hearing to hand this in, but i would get in sooner rather than later.

 

Regards

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Hi

Have you had a response from the court regarding your letter? If not then give the court office a ring. My suspicion is that you will need to make an application (N244) for an adjournment. Your grounds are that the arrears are disputed and that the refund of PPI will negate the arrears etc. FirstPlus may oppose this this.

If it does go to court on the 15th, then again state that the arrears are disputed, and will be negated by the PPI refund. The judge may adjourn, or he may give directions. The judge is unlikely to give possession at this stage while the arrears are disputed.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi,

Thanks, no we have not had a reply from the court. I was aware of the N244 form but the court want £75 to process it - we would struggle to raise this but could if absolutely no alternative. Thanks for the reassurance that the judge is unlikely to give them possession at this stage. What is really annoying is that both Firstplus and Eversheds know full well the situation, and knew well before the court date was set.

 

Should I contact the FOS to get them to fast track the claim on the PPI? That way I could show the judge what the arrears should be. Or should I let the FOS take their time and rely on the judge adjourning. And what do you mean by "he may give directions"?

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I have just been to the court and they have received our letter. They only processed it on Monday 30.11. They say that it usually takes a few days to process so we should hear at the end of this week or beginning of next.

 

In the meantime any further advice / help welcome as getting a bit anxious about this now

 

Thanks,

 

pubman1

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Just been to the court and the judge has considered my letter. They have decided to continue with the hearing and consider the points I raised at the hearing. I need a cast iron argument to have the possession hearing adjourned - what will I need to take with me?

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Right.

On the 15th have ready evidence regarding the disputed arrears and evidence that the FOS is dealing with your complaint over PPI. If possible get confirmation of any timescale from the FOS, explain the urgent position.

 

The Judge (and it may be a different one) could, if you give good evidence from the FOS, adjourn to give that time to run its course.

More likely he will 'give directions' for trial. That means he will give dates for evidence disclosure trial bundle etc these will be in January.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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As the judge wishes to proceed with the hearing you should take a witness statement with you detailing your case.

 

If you need help with constructing a witness statement let me know and I'll let you have a template.

 

Ell

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Not much point in completing the N11M as it should really be lodged at court at least 7 days before the hearing. You can take a witness statement and budget sheet (I have affixed one for you to use) with you on the day, together with any other documentation you think relevant.

 

I need to log off now as I am up early in the morning, but will post on here tomorrow with a draft statement 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

 

 

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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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..... Will not submitting the N11M been seen as a bad reflection on us?

 

No, you will have your witness statement and budget etc. District Judges generally give Litigants in Person a degree of slack, though dont push it.

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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On the case - thanks. By the way, on your previous post you mentioned "More likely he will 'give directions' for trial. That means he will give dates for evidence disclosure trial bundle etc these will be in January."

 

What exactly does this mean and what is an evidence disclosure trial bundle?

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......What exactly does this mean and what is an evidence disclosure trial bundle?

 

Sorry, proper punctuation required. Should read; evidence, disclosures and trial bundle.

Once a claim goes to trial there are opportunities under the Civil Procedure Rules to obtain various disclosures from the other side to support your evidence and case. This is made up into a 'trial bundle', a file that each side will use. The 'directions' will generally be about the timings for disclosure and delivery of the trial bundle. Plenty of postings and help on various threads about this process and the Civil Procedure Rules (CPR).

Regards

 

on*the*case

 

Never Give Up! Never Surrender!

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Hi there, I have affixed a draft statement. You can add any further detail you think necessary.

 

On any Appendices you attach you need to write the claim number and Appendix number at the top of them.

 

You will need 3 copies of the statement and appendices. One for the judge, one for the other side's rep in court and one for yourself to refer to in the hearing.

 

Hope this helps, any questions just shout.

 

Ell-enn

Budget Sheet.xls

Statement Template.doc

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Thank you Ell-enn. I assume that when you refer to appendices that means anything I intend to use, for example letters from the FOS, the statement, property valuation etc. how much evidence should I take - is there a limit?

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Hi, there's no limit to the amount of information you provide, however don't overload the statement or the judge may not read all of it. Keep each point concise and refer to whatever you are attaching as evidence by Appendix number and ensure you mark the documents with the correct appendix number.

 

If you have quite a lot of evidence to support your statement, it might be a good idea for you to take a copy into the court on Monday and ask for it to be put in the file for the judge to read before the hearing (but still take 3 sets with you on the day in case anything goes wrong).

Help us to keep on helping

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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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I will definately take to the court on Monday - I think that anything I do proactively should count in my favour. I am having difficulty opening the statement as this PC runs on Vista so doesn't have microsoft word. i'll print 4 copies at work tomorrow and if I have any questions I'll let you know. We have visitors this weekend so it will be difficult to deal with this while they are here. I'll be able to get back on here Saturday evening. Will you be around for advice if needed?

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I'll be around on the forum all weekend and will respond to your posts :)

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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Just wanted to say best of luck for Monday.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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http://www.consumeractiongroup.co.uk/forum/repossessions/162867-blackhorse-long-story.html

 

dont know if there is anything on this thread that might help?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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