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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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SPML / Acenden Court Action


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I am wondering if you could advise me

 

I have received a court hearing date for repossession of my house, the hearing is set for the 18 March.

 

The background the last year I haven't really taken responsibility for my debts etc as my relationship broke down and I was left on my own with two children. To be honest I can't remember much of the year due to medication etc. No excuse I know

 

I have finally pulled myself around and am able mentally and financially get myself out of this mess and start afresh.

 

I haven't replied to any court papers or lodged a defense yet as I wanted to be fully aware of what I was putting down.

 

To start with they have stated to the court I am in arrears of £3023.93, after reading this forum I realised that their "fees" were included in this figure. Therefore can I state on the form that I don't agree with this figure.

 

My contractual monthly payment has wavered between 345 and currently is 275 per month.

 

I have asked ascenden what the breakdown is and they state that my arrears are 2293 and my fees are 700. To be honest this doesn't add up either as with that figure I wouldn't have paid my mortgage for 2 1/2 - 3 years and i'm sure they would have had me in court before now when i have only had the mortgage ? They also charge 85 per when in arrears and 115 per month when in ligation so the fees should be more than this ?

 

I have put together a budget which accounts from school dinners, down to mot and road tax for the car and it is all detailed very clearly. With the breakdown I can afford my contractual payment of 275 and i have spare capacity of 80 per month. I don't want to offer 80 per month in case the libor changes and I need to be able to accommodate this.

 

I have spoken to them and they are insistent that I borrow money from family and friend to pay a lump sum or they will order repossession? I have offered them the contractual payment and 60 per month which would clear the arrears if they are what they say they are over 3 1/2 years but they have refused. Even so I will pay this on the 28th of the month and i have made this clear as it will help with my budgeting.

 

Hope above is clear?

 

I intend to go to court and propose this to the Judge, as I have had 3 estate agent valuations and even if I put it on the market there would be shortfall.

 

I haven't totally buried my head in the sand i have emails to prove that since November I have tried to contact them at least seven times by email to capalise the arrears, come to some arrangements but emails went unanswered or passed around, no straight reply. I will bring this to the judge as they have stated I haven't been in touch.

 

I do have questions,

 

(1) ascenden have said I have to clear the fees in addition to the arrears, are the fees paid out of the 60 or added to the term of the mortgage?

 

(2) Can I dispute the amount they have submitted to the court, as it includes fees and not just contractual arrears ? They are not very clear on how and what is what ?

 

(3) If i request a SAR, i won't receive the information before the 18th court hearing, could I later on contest the fees/contractual arrears?

 

(4) I can demonstrate I am now in a good position to support myself and two children, clear my arrears in reasonable time can asceden refuse this and say they want the house?

 

Any replies would be appreciated. :|

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Hi there, I'm assuming you have received and N11M defence form with the court papers? if you need help with the statement for Q.27 of the form, please let me know and I will draft one for you. We can certainly dispute the arrears amount.

 

Is the mortgage in joint names? how old are your children?

 

If your payment is an average of 345 and 275 then you could be 7 or 8 months in arrears - does that sound right?

 

If you have an income and can pay extra towards the arrears each month then there is no way a judge would give possession to the lender, and certainly not at the first time of asking.

 

When you fill in the financial questions in the N11M form, make sure the amount you want to offer towards the arrears each month is the amount left over aftereverything else has been accounted for (i.e. the difference between your income and your outgoings). Take a photocopy of the form and fill that part in pencil first so you can adjust the figures to get them right before completing the final copy.

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Hi

 

7/8 months maybe to be honest I really don't know. I don't really know the state before he left, I just know I am now able to afford everything. I have done my income and expenditure on the excel budget sheet , i had to sort where my money was going and what I had coming and to sort my benefits out. I have included everything and I have 80 per month left over. I even have different bank accounts set up now for different bills. If I offer them 80 per month and the libor goes up i'll won't be able to meet the payments and contribution towards the arrears as I currently stand. What would I do in them circumstances, hence I was only going to say 60 per month and put the 20 aside incase this does happen. Ascenden have said that they are not accepting a payment plan, they will oppose this and they want the property.

 

I may have a payrise coming in the next couple of month but this is far from certain and I only want to work on solid facts and what I can currently afford.

 

Yes I have received the defense forms and I am able to complete these online, should I do this or submit paper copies.

 

I do want to bring to the attention that the figure they state is arrears AND fees if I could do that then thats wonderful.

 

My children are 8 and 6, were we live is close to the school, my childminders and family as I work full time and often am away on business I need this support to be able to continue to work. The property is in joint names, but my ex partner does not contribute and I can't find him to contribute for the children never mind any debt he has left too. I can afford to do this on my own now i just want the Judge to see this.

 

If you would help me with Q27 this is the question is how I came to be in these circumstances and how I can get myself out?

 

Any help or advice would be wonderful again.

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Hi there, I will certainly help you with the statement for Q.27. I think you are right that you should only offer £60.00 towards the arrears - you should divide the other £20 you have left over between say, housekeeping/lunches/petrol etc.

 

I will start to draft a statement for the defence form - although we have plenty of time to get the forms to the court (usually 10 - 14 days before the hearing is fine). I wouldn't advise filling them in online as you can't affix anything to the forms and it wouldn't be the first time a set of forms has gone missing this way - best to hand deliver them to the court if possible.

 

Just let me know what you need help with :)

 

 

In the meantime I think you should write to Ascenden outlining the payment proposal you have made to them and confirming you will be making the first payment on 28th February - (I can draft a letter for you if you need me to?). If we include a copy of the letter with your defence then the judge will see that you have tried to reason with them. It would also be helpful if you had a recent payslip or some form of confirmation of your earnings so the judge can see that you are able to afford the mortgage.

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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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Hi Ellen

 

I have sent an email to both SPML and Ascenden yesterday, I am dealing with Zoe at Asecenden and told them that I am not happy that they are encouraging me to borrow more money, I have outlined my proposal of contractual payment plus 60 per month and confirmed I will pay this on the 28th of each month. I would like a more official/better worded letter to back this up though if you think it would help.

 

I have also telephoned SPML last night and asked for an official breakdown of what they state the arrears are, for example what are arrears and what are fees ? I again told them my proposals they have said they will confirm this in writing to me and that they also reject this offer and are going for a full repossession order. If I don't receive it by the end of the week I will email them again.

 

The arrears haven't been one solid block but erratic when I've had to sort benefits out, when I was off sick with stress/depression from the relationship breakdown, or previously when my ex partner was sorting it all out. Hence I'm not too sure what the actual arrears are. I also informed them that my ex partner had left the property.

 

Can I show the judge that while I got my finances in order I tried to email and ask for arrangements to be made and have emailed numerous times and got limited response or no response, I have the emails and acknowledgement or no replies

 

John Bentham / Scott Taylor – SPML on the 25th August, 1st September, 13th September

17th September

21st September

16th December

Glenister Solictors 16th December

7th January 2011

10th January 2011

TLT Solictors – Zoe Hedger 17th January 2011

21st January 2011

26th January 2011

7th February 2011

 

I'm not trying to dwell on the past as its what got me in this situation but I have tried to tell them of my circumstances and asked for other possible routes as interest only while I was sick , sorting benefits and to add my arrears/fees to the account and they haven't replied.

 

I can get a letter from my employer stating my earnings and that it is full time permanent ongoing employment with no possibility of redundancy if this will help prove a secure income rather than just a wage slip ?

 

With regards to the forms, I'll have a look tonight, the only part at a quick glance, is i'm reluctant to tick I agree with the arrears amount, because I don't, for starters it includes the fees and I want to know exactly where the arrears have come from. If I tick no will this look bad ?

 

I won't fill the forms in online, my court is only round the corner and I can pop them in no problems.

 

I really need all the help i can get, I want to keep the house as I don't want my family any more disrupted than it has been.

 

Best Regards

 

Lubee7274

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OK, if you can print out the emails you have we can also include them in your defence. The letter from your employer will also be helpful. I'll draft a letter for you to send to them and affix to this thread shortly. If you don't agree with the arrears then you should tick No.

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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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I'll have to do the letter this evening I'm afraid - I'm at work at the moment and have just been advised of a meeting I need to attend.

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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Hi there, affixed is the letter, make sure you send by either special delivery or recorded delivery and keep a copy for yourself. Check on the royal mail website a few days after posting to print off the signature receipt - keep that safe with your copy of the letter - we will enclose a copy with your defence.

 

Did you use the budget sheet from this site? make sure the £60 you are offering towards the arrears is the amount left over after everything else has been accounted for i.e. the difference between your income and your outgoings.

lubee7274 letter.doc

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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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Hi Ellen

 

Thank you very much for that. :-)

 

No I didn't use the budget sheet, just one i'd made up, but after seeing your advice i'll transfer the figures into that spreadsheet. I'll trawl through the threads looking for it. :-)

 

I'll send the letter recorded delivery today, shall I send to both ascenden and smpl?

 

The statement you ask for in the letter, I am guessing that they will charge me for this ? :| Would it also be worth sending off the SAR to get a better picture or do you think i'll be rocking the boat on that one ?

 

Your advice is most appreciated.

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  • 4 weeks later...

Good Morning,

 

Following on from the above I submitted my defense for the court hearing which is scheduled for Friday.

 

Last night I received the following from Acendens solicitors, i will be attending the hearing on Friday, as the arrears amount is not TRUE arrears it includes charges they have applied to the account. I have brought this to the attention of Ascenden in the form of a complaint on the 18th February although they now saying that wont be able to respond until the 20th April ? I have also asked for a complete breakdown of how they came to the arrears figure, and as of yet they have not provided myself or the court with this, just the payment schedule since November 2010 showing what the payment should of been.

 

I am not disputing that I am in arrears but I am unsure of the amount and before the court agrees I would like to be very clear about this, also with the view of claiming back some of the charges applied to the account eg 115.

 

Would any of you be kind enough to look at the solicitors response below and let me know what you think ? It seems to be that they are a little desperate :| but I don't know why, the judge hopefully will endorse my proposal on Friday, especially when I take along the below, but why do they want to know if I am going to persue the charges ?

 

Any advice would be very very welcome :

 

Dear ***

 

I know you have been corresponding with *** about the Southern Pacific Court proceedings. Can you correspond with me from now on please? I now have the file.

 

As you will know, there is a Court hearing this Friday morning. The Court has sent me a copy of your Defence which includes details of your financial situation and I have received an update from Acenden regarding payments that you have made towards your account.

 

Acenden have told me to confirm to you that a payment arrangement whereby you pay your usual monthly instalments plus £60 each month towards your arrears is acceptable, so I am hoping that we can deal with Friday's hearing by agreement. If so, you may or may not want to attend the hearing. We will ask the Judge to endorse the payment arrangement in the Order.

 

I know that you have raised issues about the administration charges that have been added to your account. Can I say two things about that. Firstly, no charges are added if you keep to an agreed payment arrangement, so hopefully there will be no further charges added. Secondly, the charges that Acenden has added to your account are charges that the mortgage agreement allows the Company to levy. They were set out in literature that you were given when you obtained your mortgage. All mortgage companies add charges when a borrower misses payments because that is the fair way to cover the extra cost of dealing with accounts were payments are not coming in as they should be. As for the level of the charges, recent publicity about unfair bank charges has encouraged some borrowers to argue about fees added to their mortgage account, but to date no-one has successfully challenged the level of Acenden's charges. I am telling you this because you need to remember that legal fees that run up because of arguments about charges are added to the mortgage account, so the mortgage debt increases. Of course it is entirely up to you whether you continue to object to the charges, and if so I would certainly encourage you to get proper legal advice from a solicitor.

 

Can you please confirm to me: (a) that the payment arrangement is agreed so that the Judge can endorse it within the Order, and (b) if you are going to continue your objection to the charges. You can either email me or call me on:-

 

Regards,

 

 

Many Many Thanks in advance

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A quick update

 

Just back from court! The judge granted a suspended order and agreed to include that the payment will be received on the 28th of every month (much to Acendens Representative disaapointment) and whilst this order is in place and being maintained that no further charges should be added to the account.

 

Their legal representative was adamant that my outstanding balance was 30,000!! more than it was and I challenged this and she had to admit that she had got it wrong.:-)

 

I did put forward to the judge that arrears amount contained charges and I have asked for a breakdown but they have yet to provide this "stating that they are waiting for information". The judge said that he understood and asked Acendens representative for a balance for contractual arrears vs charges and she said she didn't know either. He went onto say that I could postpone the hearing but he would recommend putting the order forward and then I should clarify this directly with Acenden the financial services and its only a small cost if you want to go through court again But he has no problem adorning it today.

 

I said I would prefer to put the order forward as I more than happy with that and it will stop any further charges being accrued and that I wanted to obtain all the information I can before challenging the charges.

 

So a successful day! The judge was very nice. The representative for Acenden was well .... a prat.

 

When we got outside the representative for Acenden said to me in the waiting room in front of people and also the security "I don't think that by challenging the charges you will be financially better off" my reply was "that maybe so, i am entitled to a full breakdown of what, why and how and your legal fees also, as I for all intents and purposes am i paying your wages! and I will know exactly how they have added excessive charges and I intend to make life difficult for them as they have me."

 

I felt so proud of myself, and the security guard smiled at me :lol:

 

Thank for everyones help.... next job to look at these charges so hopefully I will keep this updated.

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Well Done! excellent news :) make sure you keep at them for the charges info.

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Hi Ellen

 

Just a question, when I receive the SAR information back from Acenden I presume I will receive a copy of my original mortgage contract as this was something that Acendens Representative was quoting today and couldn't provide, the judge was not happy about this. Can i also ask for a copy of their arrears procedures etc ?? Or is this pushing it too far?

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  • 1 month later...

Hi - they should have provided a full and detailed statement for both sides at the hearing to include all the actual payments, the interest rates applicable, the charges made and when and what for and correct and true balances. Anything they provide that is not accurate must be challenged as these companies like creative accounting to imply higher amounts outstanding than actually are.

They should have sent you their procedures before starting court action. There are pre-action protocols to follow and court action should be the last resort. You are quite right, they should have produced the mortgage contract as this is the same contract on which they rely to impose their charges - on which you have a financial relationship with them and all terms and conditions relating to it are those that are now being employed against you. This is two way traffic - they must disclose and do not let them charge you for information either - you should get this info in your sar. Did you ask the DJ to look at their legal costs or is it open for them to add whatever they say to your mortgage account? You can ask for copies of their legal bills and ask a court to decide them - you dont want these attracting interest if they are added to the security. Hope thats helpful.

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