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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Suspended Posession - being evicted 05/05/2010


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Hi Guys

 

Let me start by saying what a great site! I have only used it once or twice but am so impressed with the wealth and quality of the advice provided - I always recomend CAG to friends or family now if they need it!

 

Anyway, here the story

 

2 years ago my mum fell behind payments on her secured loan with Kensington - they applied for a SPO which was granted to them. I am 23 in full time work, my mother was in full time work at the time. She also has a mortgage with GMAC

 

In December last year my mum had to leave work due to a bad hip causing a lot of pain and leaving her unable to walk. Living on JSA ever since, I have kept up the GMAC mortgage repayments and not the Kensington Loan repayments due to affordability. I have made as much contribution as possible to living costs but its been hard times.

 

My mum has been in contact with the Mortgage Rescue scheme who have been unable to buy/rent back the house, and have also been unable to help with other options such as interest free loan etc. Kensington have issued us with an eviction notice on the 05th May at 11am. The arrears are £5,000 (£2,500 of which are charges which I believe Kensington have been fined for so we may be able to claim back??)

 

The mortgage rescue scheme have fought my mums corner, liasing with Kensington and asking them for more time to whcih Kensington Refused (they in fact demanded either the full amount of £5,000 or £700 per month repayment). My mother has also offered a down payment of £2,500 with the next 3 monthly payments being offered to them by the mortgage rescue scheme while she finds somewhere else to live - Kensington Refused this also! We have been to the county court today and applied for a suspension of the eviction, and the hearing is on tuesday at 10.00am. My question is, will Kensington's behaviour be viewed as unreasnoble as they have refused every offer? and is it likely the judge will side with Kensington and allow the eviction or with us and suspend it?

 

In view of their unreasnoble behaviour I believe Kensington are doing a 'run' of people in arrears to recoup their losses from their recent FSA fine or to reposess peoples houses before they can reclaim charges - is the FSA fine worth mentioning to the judge as over half the arrears are charges?

 

Thanks for reading this guys - any help or advice for the hearing will be greatfully received, and knowing who the judge is likely to side with will certainly help me sleep!

 

Many Kind Regards

 

Daniel Hulse

 

Daniel [at] Hulse.org.uk

 

07539307419

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they did suspend it! we made a very good offer which Kensington have refused, therfor they were being unreasnoble.

 

The judge has ordered we pay them back £158.00 per month. The judge also agreed that they are doing a "run" to try and reclaim money back from their recent FSA fine by overcharging and reposessing whe I shown her this Kensington fined for overcharging homeowners struggling in arrears - Times Online page

 

GOOD LUCK! Make them the best offer you can and hopefully Kensington will reject it - Judges will always side with those who have actively tried to keep their payments up, or if they are unable to do so, those who have actively tried to remedy the situation - if Kensington refuse a reasnoble offer they will lose! Also having a dependant is a good reason for ajudge to side with you! Have you tried the "Mortgage Rescue Scheme"?

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hi well my eviction date is the 19th now. ive put all my n244 together i even made them a cash offer today for £1200 but wouldnt except it or take payment so im taking cash with me when i get my hearing to show judge we have the cash to pay a lump sum of the £8000 arrears also my budjet sheet shows we can afford the mortgage forthgoing and a £100 on top for the arrears. also have a letter of estate agents to show house is on market and there is £13,000 equity in property.

 

so i am trying everything possible to keep house till sold. only reason for not paying or shud i say not paying what i shud be is because i had no income for over 12 months due to a roof falling in on a buisness premises as i run a barber shop had no custom and it took my landlord over 12 months fix in whixh i had no choice but to re locate in feb this year so hopefully judge will suspend it on the grounds we can now pay and have £1200 to pay off arrears? hope so

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it all smacks of desperation from kensington. I'd contact the mortgage rescue scheme for advice, these guys attended court with my mum and really helped, even offered to help with repayments (Kensington refused a repayment proposal of £3000 for a £5000 arrears, madness!!) And it's not like you have just ignored the problem - make sure you contact a professional or one of the experts on this site as they are excellent at what they do!

 

Keep us posted I'd be interested to hear how Kensington wriggle out of this one!

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hi it is with capston not kensington, my hearing is for monday morning. i sat down last night and worked out my arrears. it said total due to date £47500 total paid to date £40500 total arrears £7000 then it said total charges to date £2500 so i took the charges off the arrears which means my true arraers miss payments are only £4500 so ive put all this in my defence form. fingars crossed

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