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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Threat of Reposession from First Plus Solicitors **SUSPENDED**


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Hi there, it depends whether you can afford a lump sum? it's not up to the lender to decide whether your offer is reasonable - it's the judge who will decide that and he has the power to say how long the arrears repayment term should be. In any case, it's unlikely that you do owe £10k as there will have been charges added in. You won't know how much till you get the statement you have asked for in the letter.

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Thanks for coming through to me.

I am a bit confused because the way the solicitor put it was if my offer was acceptable to FirstPlus then they would apply for a suspended order otherwise they would be pushing for a full possession order.

I suppose i'm thinking that I want them to agree a payment proposal so it should look as attractive as possible to them. I don't have a lump sum but a friend would lend me some money if it helped. I definately want to repay the debt.

Do you think if they refuse any proposal I make that they will then proceed to court looking for a full possession order that I will have to defend?

It has struck me that FP can set the bar as high as they like on this.

 

Thanks Again

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Thanks for coming through to me.

I am a bit confused because the way the solicitor put it was if my offer was acceptable to FirstPlus then they would apply for a suspended order otherwise they would be pushing for a full possession order.

I suppose i'm thinking that I want them to agree a payment proposal so it should look as attractive as possible to them. I don't have a lump sum but a friend would lend me some money if it helped. I definately want to repay the debt.

Do you think if they refuse any proposal I make that they will then proceed to court looking for a full possession order that I will have to defend?

It has struck me that FP can set the bar as high as they like on this.

 

Thanks Again

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A mistake people often make is in offering a payment proposal that they think the lender wants to hear - rather than one they can afford. They usually end up in the same situation a few months down the line because they struggle to keep to the arrangement.

 

It's best to make a realistic proposal and one you think you could keep to. If you borrowed money from your friend would you be able to pay it back and also keep making the monthly payments?

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A mistake people often make is in offering a payment proposal that they think the lender wants to hear - rather than one they can afford. They usually end up in the same situation a few months down the line because they struggle to keep to the arrangement.

 

It's best to make a realistic proposal and one you think you could keep to. If you borrowed money from your friend would you be able to pay it back and also keep making the monthly payments?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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It's very unlikely that a judge would order possession at the first time of asking - also, if your main mortgage is up to date that will go in your favour. Get the letter off to them asap and lets see what they say - then we'll know what we have to deal with.

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It's very unlikely that a judge would order possession at the first time of asking - also, if your main mortgage is up to date that will go in your favour. Get the letter off to them asap and lets see what they say - then we'll know what we have to deal with.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thanks again I'm sorry to be a pain and ask the same thing over and over again. I'll try and take one step at a time.

Maybe I should concentrate my mind on my work for a while as I am going to be very dependent on it.

 

Be in touch

W6

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Thanks again I'm sorry to be a pain and ask the same thing over and over again. I'll try and take one step at a time.

Maybe I should concentrate my mind on my work for a while as I am going to be very dependent on it.

 

Be in touch

W6

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It's only natural that your mind will flick from one scenario to another - it's a very stressful situation to be in. Please don't be afraid to ask questions (even if it's the same ones again) - we understand how you must be feeling and you will get plenty of support from the folks on this site.

 

As I said, lets see what response you get to their letter - you need to get it sent asap (special delivery).

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It's only natural that your mind will flick from one scenario to another - it's a very stressful situation to be in. Please don't be afraid to ask questions (even if it's the same ones again) - we understand how you must be feeling and you will get plenty of support from the folks on this site.

 

As I said, lets see what response you get to their letter - you need to get it sent asap (special delivery).

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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No, you make the offer first in the letter and see what happens.

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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

 

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No, you make the offer first in the letter and see what happens.

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

 

Just a quick update. I deleivered the I&E Form plus my proposal to pay the arrears to the solicitors office by hand by the deadline Wednesday 4th. I prepared a receipt and have got it signed and stamped.

I also sent the letters to FP - the I&E, the proposal and a request for a breakdown of the arrears figure. These went Special Delivery they and are due for delivery today.

My proposal was - £1000 lump sum followed up with standard monthly repayment plus an extra £100 per month going forwards.

I am thinking now maybe I shuold just send the £1000 to FP anyway as a show of good faith? What do you think?

This waiting is driving me mad.

 

W6

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Hi

 

Just a quick update. I deleivered the I&E Form plus my proposal to pay the arrears to the solicitors office by hand by the deadline Wednesday 4th. I prepared a receipt and have got it signed and stamped.

I also sent the letters to FP - the I&E, the proposal and a request for a breakdown of the arrears figure. These went Special Delivery they and are due for delivery today.

My proposal was - £1000 lump sum followed up with standard monthly repayment plus an extra £100 per month going forwards.

I am thinking now maybe I shuold just send the £1000 to FP anyway as a show of good faith? What do you think?

This waiting is driving me mad.

 

W6

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I wouldn't send the money just yet. Wait for confirmation that they have accepted your proposal.

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I wouldn't send the money just yet. Wait for confirmation that they have accepted your proposal.

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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