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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Secured loan arrears - Repossesion order. Please please help!!


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Hi Guys!,

 

I'm hoping somebody can help - my parents have fallen behind on a loan they have secured on their property with HFC who are now demanding we be out of the house in 14 days! we are £3000 behind and have fallen behind on a number of occasions now but have always managed to scrape by!

 

I want to know where we stand with these guys in as much as if we are making A1 payments on the mortgage does that account for anything? I dont want to lose my home and neither do my parents but it looks like we may have no choice, so you guys are our last line of defence!

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Hi,

 

I've moved this thread to the appropriate Forum, I'll see if I can get some help.

 

Regards.

 

Scott.

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Hi

 

I am no expert on this but it may help to get some detailed help if you can just give a bit more detail. You will get some great advice and support here.

 

You say that this is a secured loan and the mortgage payments have been A1. Do we take it that the HFC loan is a second charge on the property and not the main mortgage?

 

If this is the case then the main mortgage company would surely have been advised and posssibly have had to agree to a second charge?

 

Roughly what percentage is the HFC loan to the outstanding mortgage?

 

As the main mortgage is the first charge on the property and has been paid on an A1 basis, I would guess it is not so simple for HFC to get you out.

 

Others will be able to give more detailed advice but perhaps the answers to the above points may give a better understanding.

 

All the best

 

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many thanks for the reply guys and thanks for moving the thread to a more appropriate section maroondevo52.

 

I am currently trying to get further details from my parents about the questions above, as soon as i have some more info i will post.

 

Thank you all again!

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Hi Guys!,

 

I'm hoping somebody can help - my parents have fallen behind on a loan they have secured on their property with HFC who are now demanding we be out of the house in 14 days! we are £3000 behind and have fallen behind on a number of occasions now but have always managed to scrape by!

 

I want to know where we stand with these guys in as much as if we are making A1 payments on the mortgage does that account for anything? I dont want to lose my home and neither do my parents but it looks like we may have no choice, so you guys are our last line of defence!

 

Has there already been a court hearing? Was a suspended possession order granted? You are stating you are to be out of the house in 14 days, which implies an order has been granted - did you attend the hearing?

 

How much is the secured loan? How long has the loan left to run? Is there any equity in the property? Are you able to afford the monthly payment plus something towards the arrears? Is the secured loan in joint names? You say 'they have a secured loan'. Do you pay anything towards the mortgage/loan repayments?

Edited by Lea_HTH
I appear to be unable to respond to posts - but I can edit. Reply to follow.
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Hi there, have you received an eviction notice from the court - or is it a letter from the lender?

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Ok,

 

so i've had a little more info - the HFC loan is 38K and is a second charge. the main mortgage is 126K. as far as i am aware neither of my parents have been to court nor have they need ordered to go to court, this "reposession order" was done verbally over the phone with HFC (bully tactics?). there is no equity in the property as far as i am aware. Once my Dad gets a job the monthly payments will be met on a regular basis (his business went bust 5 months ago), i do not pay anything towards the loan payments/mortage but i do pay the council tax and gas and telephone and a few other bits.

 

Cheers

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I have a bit more info regarding the letter:

 

From the lender...It says (from their solicitor) our client has instructed us to ask the bailiff to evict you so that your property can be sold. A warrant for possession of your property has been requested.

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Hi there, are you saying your parents did not know there had been a repossession hearing?

Is it only the secured loan which is in arrears? is the mortgage up to date?

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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 have a bit more info regarding the letter:

 

From the lender...It says (from their solicitor) our client has instructed us to ask the bailiff to evict you so that your property can be sold. A warrant for possession of your property has been requested.

 

You stated in your earlier post that your parents had not been to court, so it's important that you find out for certain. No one can evict your parents without first obtaining a possession order and only then applying for a warrant of execution, which leads to the bailiffs posting a notice of eviction through your front door. If none of that has occurred, then no one can evict you.

 

I strongly suggest you ask your parents to double check all their paperwork for possible notification of the court hearing - and if they definitely have nothing, ask HFC to provide them with the case no. from the county court so that they can make an application to have the possession order set aside (and/or to make a stay application if a warrant of execution has in fact been applied for).

 

There is a potential problem as you state there is no equity in the property - are the two loans covered by the property, or is there a shortfall? If there is a shortfall the first charge will get paid first and the second charge may get nothing at all.

 

Your starting point is finding out about the court order - if there hasn't been an initial possession hearing, then the solicitor's letter is inaccurate, but you HAVE to check with the court - do not take anyone else's word for it.

 

I asked about your contributions as you may have an overriding interest in the property, which means you could ask to be joined to the proceedings (if any).

 

In the meantime, if your father does not yet have a job, and there isn't one on the horizon, I suggest that he makes an application for job seekers allowance (he'll need to check if he's made enough contributions for contribution based JSA, but there is another form of JSA he may be entitled to) - when he does this, he should also ask about making a claim for SMI - which is the government assistance to help with interest payments on mortgages. It is not payable for the first three months (13 weeks I think), so it'll take a bit of time to come through, but may help to reduce the payments.

 

Anyway, find out if there have actually been any court proceedings as yet, and then come back with the info and we'll see where to go from there.

Edited by Lea_HTH
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  • 3 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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