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    • Now I wonder, if the land is owned by the council and they can  use the RTA to enforce their rules why do they emply a bunch of banditd to manage the place? It woudl be easy to argue that the "fine" should be that set by local govt  and thus be about £30, not 390. this means Highview's demands are thus an unlawful penalty as they are higher than the prescribed tariff so they would lose a court claim on that basis regardless of the validity fo their contract with the LL and the motorist.   that means a complaint could be put to the local govt ombudsman and the council would have to behave and probably have to pay up compensation to the aggrieved motorist for the unlawfulness and distress so enfield would be around £130 a ticket down for every one challenged
    • If no Planning Permission, signs etc are illegal and no contract can exist, as it would be founded in a criminal action, signs without correct permissions to be erected.  PE have been caught out by this many times.  they are owned by Capita, same bunch that run TV Licensing for BBC
    • Yes, fill out the bit forwarded to yu by the car hire co adn take them on if you wish. you will need to be returning to Margate to get piccies of the place but in the meanwhile read up on private parking and also ahve a look at thaney councils planning portal and see if PE have permission to put their signs and cameras up in the first place
    • you need to edit that response as it was sent to a bunch of lawyers acting as debt collectors. so drop the bit about rentathreats. I would add the salutation Dear Ashley, it is no use trying to hide, we all know it is you writing this garbage.....     reason for thi is that a person well known in parking world isnt listed as having a controlling interest in the company contrary to Company Law
    • as they target commercial vehicles it isnt usually necessary to get the keeper details, they just demand money from the company that has their logo plastered on the side of the lorry. There is also different law surrounding their demands as the POFA doesnt apply and it isnt a consumer contract. You will unfortunately need to do a lot of reading up about these people as they ahve had mixed success in the courts so a bit of a lottery as to what bits of previous cases to use as being relevant.   However, the signage is on your side as ity mentions removal of vehicles, which means that unless the byelaws specifically allow it (and then the cost of removal doesnt necessarily ahve to be borne by the vehicle owner) then it is  unlawful and possibly illegal so that makes the whole contract void as it is a criminal compact   Proserve have a very complicated arrangement with the landowner and that means they have to pay the landowner for every trespass and then claim the money back form the vehicle driver/owner. in practicve they dont pay a peny in advance (can you imagine how long they would be inbusiness if they ahd to fork out hundreds of thousands a week with little prospect of recovering those advances?)   they also stop vehicles entering the docks if the company that owns it refuses to pay or has beaten them in court before despite not having any powers to do so. A vindictive, dishonest outfit.
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Giveitblackmore

Natwest Mortgage Arrears

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I am behind by a month on my mortgage - just one of those things where the momey for the mortgage had to be used for an emergency. I explained this to the bank and said id repay x per month on the basis that I couldnt really afford it but was keen to get back on track. They said they couldnt do aythign without and Income and Expenditure report. I dont want to supply this info to the bank. Am I obliged to do so?

 

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I am behind by a month on my mortgage - just one of those things where the momey for the mortgage had to be used for an emergency. I explained this to the bank and said id repay x per month on the basis that I couldnt really afford it but was keen to get back on track. They said they couldnt do aythign without and Income and Expenditure report. I dont want to supply this info to the bank. Am I obliged to do so?

 

 

You provided the information when they gave you the mortgage and it is a condition of your mortgage I suspect that you help them assist you with any payment problems.

 

So yes I think you should give them full information, before the situation becomes more difficult. Perhaps they will help you for a period. Depending on where you are with the mortgage term, they may be willing to offer a short payment holiday, change to interest only etc. If you don't send them the information, I doubt they will look to help you, but instead pass the account over for debt collection proceedings.


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I presume that you intend to pay more each month to gradually clear the arrears. This is not in my field of knowledge, but, I have a feeling that unless you state catagorically what the extra money is to cover, they just take it as 'a bit more' and not as against the missing payment.

 

I am sure others with more knowledge will be along, but my suggestion would be to keep up with the normal regular payments, and make seperate payments towards the arrears. I see no reason why you would need to supply I & E. Just write a letter and 'tell' them what you are going to do. They might spit the dummy out, but, they are not going to foreclose, after all, as soon as the first installment off the 1 monthly payment, you are, strictly speaking, less than 1 month in arrears!


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One months arrears will not cause them to go down the route of repossesion.

 

As said above, make your normal monthly payments and write to them to tell them how much you will be paying off the arrears. If possible this is one of the few cases it might be best to actually phone to make a payment towards the arrears specifying that it is for that purpose only. Make sure they send a receipt of each payment.

 

You will be ok aslong as you can continue to make your monthly payments from here on and something towards the arrears.

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Mortgagees will not commence repossesion proceedings until at least 3 months arrears have accumilated.... that being said they normally will try to assist you in any reasonable way they can to manage your payments, or repay any missed payments.

 

Speak to them, be reasonable and genuine in your approach, and there should be no official problems. The absolute last resort is repossesion orders, not good or productive for the borrower, lender or the lenders public image ... so speak to them and explain it was just a one off - they will in my opinion be open to a mutually agreeable resolution ....

 

Abs x

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Hi giveitblackmore , As all of the other posters have stated there is not much chance of repossession due to 1 months arrears but they could sting you with charges untill the arrears are fully paid , whereas if you keep them fully updated of your problem and how you intend to repay the arrears they are much more likely to agree to your offers of repayment and not hit you with charges. It is also likely that they will review your situation every 3 months and as long as you give them the information that they ask then again they are unlikely to hit you with charges, all they ask is for you to be honest with them.

sleepingdog

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