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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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NRAM/Heliodor Mortgages and possession hearings


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hi ell-enn

 

i am also thinking that i should phone NR tomorrow and ask them why they havn't replied or even got their Sols to reply.( i have the names of the relevant Managers dealing with the case.

 

regards

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The thing that concerns me is that there is only 6 years left on the mortgage term, if the arrears cannot be paid within that time you are going to have trouble persuading the judge not to order possession.

 

£50 per month over 6 years is only £3,600 and if even half the arrears are made up of chartges this is £7,500

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Hi

I called NR to clarify the position, and to chase up a reply to my letter asking for braekdown of charges. They said a letter was on its way, and i should have it by hearing date .

i also asked the litigation dept about agreeing to the full payments, and they informed me that they would accept full payments plus some off the arrears monthly, even if it was a small amount as long as i could afford it. In the meantime they would go for a suspended possession, and confirm back to the court once an agreement with myself is in place.

I am guessing this is the best i can hope for

regards

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Are they going to confirm all that in writing ?

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hi ell-enn

I received a letter today from NR which stated: Based on the income and expenditure details provided, we have exhausted all of our hardship options.

No mention of the request for a breakdown of charges, or any confirmation of my conversation with them re the hearing on 25th.

Are they playing a game do you think?

 

regards

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Hi

I have prepared a budget sheet and a statement for hearing tomorrow. Can anyone advise me of a timescale when they have to be submitted to the court/. Sols?

should i go to the court today and hand papers in?

regards

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If you can get it to the court today that would be best - remember to take a copy of it all for yourself so you have one to refer to in the hearing.

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Hi All,

Attended court today, and first off got there early. Met with resident CAB Sol, and went over my proposal, He put me right on a few points and then introduced me to the Claimant's Paralegal.

I showed him my budget sheet and statement ( which was based on Ell-Enn's templates) He asked me to wait and he would call his clients to see if they agreed to a suspended possession.

He called me and said that they had agreed, and the appearance with the judge would now be a formality, which it was.

my thanks to all on this forum for their kind advice, couldnt have done it without you

regards

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Great news - well done! :)

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  • 9 years later...

Hello Team,

 

I have reached my 'end of term' mortgage and have no resourses to pay of the interest outstanding on the loan.

I have been communicating with the mortgage company for quite a long time trying to get an 'extension' of 5 years when I will be in a better position to sell the property and settle outstanding.

They have been saying (NRAM) that they are not 'Lenders' any cannot help.

 

Then suddenly they have passed my account on to Heliodor Mortgages.

I thought that they might be more favourable to granting an extension, but without good reason they also are refusing an extension.

 

At this point may I add that I am not in arrears, in fact I actually pay approx £250 per month over the top of my contractual payments. The property is worth approx £475000. and the outstanding mortgage is £252000 .

 

I did have a county court possession hearing for 20th April 2020 but have now been informed that due to COVID-19 the matter has been 'adjourned generally with liberty to restore'

 

Obviously, there is equity in the property albeit the downturn in the market due to present circumstances, but my wife and I, who have lived in the house for over 30 years are reluctant to move at this time. 

 

OK now to the point after quite a long statement,

have I any grounds to request an extension to the loan,

ie keep paying the monthly amount for say, 5 more years.

 

I look forward to any expert opinion, or suggestions.

P.S. I have submitted the defence form to the court.

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Topic moved to  Home Repossessions  Forum.

 

Regards

 

Andy

 

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for sake of history, I've merged an old thread whereby you rebuffed a previous Repo too.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes DX that was after a period of un-employment and I cleared up all outstanding arrears from that particular time, and got on track with the overpayments, but as explained I have no arrears currently, and am thinking this just a request to the new mortgage people is a reasonable ask.   

 

 

 

 

 

 

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  • 2 years later...

Hello Forum Members,

My Wife and I are at 'end of term' with Heliodor Mortgages (Northern Rock, NRAM, Heliodor) and have not been able to re-mortgage over the last 3 years.

 

We have now received a repossession order that was postponed as the 'pandemic' hit and courts were suspended. We have no arrears and have been paying extra until the recent interest rises, and now the monthly payments have increased from approx 900 to approx 14400.

 

We have asked for an extension of the loan but the Mortgage Co state that 'We are not a lender' . We actually wish to stay in our property. We have approx 50% equity in the property. (value approx 500k outstanding mortgage 250k) 

 

As we are at end of term have we any chance of not being repossessed ?

What kind of case/defence can I put forward ?

 

Looking forward to any comments.

Bests

Dave 

Edited by honeybee13
Paragraphs added for ease of reading. HB
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i now this is old but i believe inc what want on during covid to its still applicable

 

WWW.MORTGAGESTRATEGY.CO.UK

The Financial Ombudsman Service has told mortgage lenders in at least two cases to extend interest-only terms indefinitely for older borrowers. The...

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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