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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • FTMDave
      UKPC/DCB(L) Windscreen PCN Claimform - Walcot Yard, Walcot Road, Bath, Ba1 5bg.

      By FTMDave · Posted

      Thank you. The fact it was a permit-holder car park, rather than a pay car park, does help your case.  You can argue Prohibition at least. Have a look at the attachment in post 40 here  https://www.consumeractiongroup.co.uk/topic/466177-ukpc-2x-windscreen-pncs-claimform-forgot-permit-appealed-res-parking-my-own-space-east-croft-house-86-northolt-road-south-harrow-ha2-0es-claim-dismissed/page/2/#comments You can use the introduction, Prohibition section, Double Recovery section and the concluding Statement of Truth as the basis for your own Witness Statement.  Your case is virtually identical.
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    • john12039
      UKPC/DCB(L) Windscreen PCN Claimform - Walcot Yard, Walcot Road, Bath, Ba1 5bg.

      By john12039 · Posted

      Parking dispute - DCB Legal 09:05:24.pdfHi there, Please find attached the correspondence to date as requested. I have attached everything that I have in terms of correspondence. To the points raised: Your case is not looking too good at this stage. Not helped by the car park not appearing on Google Street view.  Interesting that UKPC seem to think that Walcot Yard is off Walcot Road when it is off Walcot Street. Part of Walcot Yard has the postcode BA1 5DW which is a building called North Range. You would have to find out where in Bath they would know the specific post code for the car park there since if it were the 5DW ending you may be able to claim that you weren't in BA1 5BG Walcot yard, Walcot Road, but BA1 5DW Walcot yard, Walcot Street.  >> Thank you, I am trying to find more information on this.  But probably the main help would come from the site manager. A  written statement from him explaining the informal situation with the land owner or better still  finding out who the land owner is  and contacting them might help. though getting UKPC to cancel at this late stage will be next to impossible. >> I can also do this. The site manager is able to provide a written statement. However, they have not been able to contact the site operator, who lives elsewhere in the UK. It is a very frustrating situation but I have really tried.  
    • dx100uk
      Intrum (1st Credt)/DWF SPC OD Court Claim - Old HBOS OD - Calling OC to Court?

      By dx100uk · Posted

      no we dont give private advise helps no-one bar YOU not what CAG is about. post it here dx    
    • Johnny1 leg
      2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email

      By Johnny1 leg · Posted

      Thanks for the reply Dubai 50. will keep on filing everything in the bin, physically and digitally. 

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

NRAM/Heliodor Mortgages and possession hearings

4148boome

By 4148boome
in Home Repossessions

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4148boome

4148boome

Posted
Posted

Hi to All,

 

I have possession hearing on 25th Jan. and after reading all the information and advice on this forum, have made an online response (10/01) to the court.

I have made a reply to NR and their Sols, by recorded letter, including a balance sheet, and my proposals.

I received a call from NR Sun 11am and they stated that they can only accept contractual payments from now, otherwise they will go for repossession. This is different from the Concessional Mortgage offer they offered last Aug.

 

Any further advice for the hearing would be appreciated.

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Ell-enn

Ell-enn

Posted
Posted

Hi there, what sort of response did you do on line? Did you receive an N11M defence form from the court? If we can gather together more information you can take an up to date statement to the court with other facts to back up your defence.

 

1.Is the mortgage in joint names?

2.How much are the arrears?

3.How much can you afford to pay towards the arrears each month?

4.Are you in employment?

5.Do you have any children living at home?

 

You say you were offered a change to your mortgage (concession?), do you have that in writing?

 

Sorry for all the questions but we need to have as much info as possible in order to draft a full defence.

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4148boome

4148boome

Posted
  • Author
Posted

Hello Ellen,

thankyou for your reply, and here are the answers:

1. yes joint names

2. £14-15000.00 arrears

3. The contractual payments are £1020.00 but i was building up to paying the full payments, after 1 year on reduced as proposed by NR (£657.00) then they changed the goalposts

4. Yes self employed

5. No children

 

I just did an online response, with a statement of facts regarding how the arrears built up.

 

I did have the letter from NR re the consession mortgage but i have to search it out

 

regards

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Ell-enn

Ell-enn

Posted
Posted

OK, do you want help with a statement ?

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Ell-enn

Ell-enn

Posted
Posted

Hi, yes we are ok for time. I will get back to you tomorrow.

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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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4148boome

4148boome

Posted
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Posted

hi ell-enn

I have got most of the docs at the ready,( i found that consession mortgage letter) As i mentioned before i attached a statement to the online court response i could copy and paste it here, or we can start over?

i received no reply to my recorded letters that i sent to the solicitors or NR i did request a statement of charges, is this relevant?

looking forard to any hlp

regards

dave

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Ell-enn

Ell-enn

Posted
Posted

Did you keep copies of the letters you sent to them,? Also did you check on royalmail website to see if they signed for them and print off the signature receipts ?

 

It would be helpful if you could post up what you wrote on the online response (remove anything which might identify you)

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4148boome

4148boome

Posted
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Posted

hi ell-enn

yes i do have copies, and have checked that they have been delivered. Please see below my statement:

In april 2009 i became unemployed, and informed Northern Rock of my circumstances.

i attended the local job centre, and they suggested that i apply for ‘Pension Credit’

i had an interview, and went through all outgoing expenses, and made the application. The pension department would pay towards interest on the mortgage account.

I realised that i had an insurance running with Barclays, and pursued a claim under a PPI

The insurance paid out on a monthly basis, depending on my supplying them with evidence that i was seeking work. The insurance would run for a year.

i made payments to my Mortgage Account, as i received them from the Insurance.

In April 2010 I found a promise of employment, which took 3 more months to come to fruition.

In all this time I had been in communication with Northern Rock updating them of my circumstances.

In August 2010 Northern Rock offered me a Concession Mortgage’ with a monthly payment, of £657.90 for the period of a year, whilst my income built up, to return to my contractual payments, (£1020.00 per month)

Northern Rock asked me for a forcast of prospective earnings which I supplied, including an Income & Expenditure sheet.

They contacted me back and asked for more proof, of which i replied, I will approach my Accountant, for a letter. The Accountant supplied a letter, and N R said, that this was not acceptable as the Accountant had put a clause in it stating that the supplied income figures were only a forcast, (which they origionally asked for) and not a true record. Well there wouldn’t be a true record as these were forcast figures only, based on the previous three months work done with the new company.

N R said that they wanted to see bank statements showing current earnings, and that in the mean time would put a temporary agreement, in place, until December.

Then in Dec, they started saying that they would start possession proceedings,(To protect their interests) I have paid my Dec payment, and supplied N R with another Income Expenditure as requested. (Jan 2011)

Now i believe i have been in communication with N R during all this period which has been very difficult for my self and my wife, and just as i am getting back on my feet again, N R issue this possession notice which i find very disturbing.

In all of this the arrears built up through a shortfall, of insurance payments, during the year plus that i had no regular income.

I believe that I can maintain the monthly payments, and build up to full payments within the timescale proposed by Northern Rock, thus preventing any other action

being taken.

regards

I will add that this an interest only mortgage with 6 years left. There is no endowment in place to pay off, so will sell up to pay off.

regards

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Ell-enn

Ell-enn

Posted
Posted

OK, I'll get back to you this evening and we'll see what we can work out.

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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elzerbeth

elzerbeth

Posted
Posted

l am going through the same with n rock or n ram ell-enn is helping me too n ram say one thing and do the exact oppisite they also told me they hadnt recieved certain items theyd sent us or asked us for and i know for sure they have

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elzerbeth

elzerbeth

Posted
Posted

l am going through the same with n rock or n ram ell-enn is helping me too n ram say one thing and do the exact oppisite they also told me they hadnt recieved certain items theyd sent us or asked us for and i know for sure they have

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Ell-enn

Ell-enn

Posted
Posted

The judge will look at the amount of arrears and the time left on the mortgage - if the arrears are £14 - 15,000 and you only have 6 years left on the mortgage you would need to be able to pay £200 extra per month on top of the normal monthly payment in order to clear the arrears before the mortgage term is up.

 

Even if there are charges added to the arrears you are still going to have to find the normal payment of £1020 plus an amount towards the arrears each month. Would you be able to do that?

 

I think we need to ask the court for time to establish how much of the arrears are charges, but I have to say I think the judge would expect you to pay the £1020 while you wait for the info. When did you send the letter asking for a statement? did you send it by recorded delivery and did you keep a copy of the letter?

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Ell-enn

Ell-enn

Posted
Posted

The judge will look at the amount of arrears and the time left on the mortgage - if the arrears are £14 - 15,000 and you only have 6 years left on the mortgage you would need to be able to pay £200 extra per month on top of the normal monthly payment in order to clear the arrears before the mortgage term is up.

 

Even if there are charges added to the arrears you are still going to have to find the normal payment of £1020 plus an amount towards the arrears each month. Would you be able to do that?

 

I think we need to ask the court for time to establish how much of the arrears are charges, but I have to say I think the judge would expect you to pay the £1020 while you wait for the info. When did you send the letter asking for a statement? did you send it by recorded delivery and did you keep a copy of the letter?

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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4148boome

4148boome

Posted
  • Author
Posted

hi ell-enn

 

yes sent the letters re charges 10 jan, i checked online that they were delivered. (sols and NR)

 

when NR called sun last, i asked also for an explaination as to why they now are asking for full payments and not the concessionary ones, they said that they would write to me.( no letter)

 

i could pay full payments of £1020

 

regards

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4148boome

4148boome

Posted
  • Author
Posted

hi ell-enn

 

yes sent the letters re charges 10 jan, i checked online that they were delivered. (sols and NR)

 

when NR called sun last, i asked also for an explaination as to why they now are asking for full payments and not the concessionary ones, they said that they would write to me.( no letter)

 

i could pay full payments of £1020

 

regards

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Ell-enn

Ell-enn

Posted
Posted

Would you be able to pay anything towards the arrears on top of that payment?

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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Ell-enn

Ell-enn

Posted
Posted

Would you be able to pay anything towards the arrears on top of that payment?

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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