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    • Please see my comments on your post in red
    • 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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    • 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.

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      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 Again

 

Well after a very long 4 weeks I had letters from the Solicitors at the weekend.

They made no comment about my offer of a £1000 lump sum but have rejected my offer of £100 extra payment each month.

They say that:

"With consideration to your Income & Expenditure analysis our client feels that your repayment proposal is not sufficient in the light of the sums afforded to unsecured debts and food budget. Our client feels that a revision of the Income & Expenditure Analysis would enable you to afford the contractual monthly installment plus £300 towards arrears. Were you agreeable to such a repayment plan our client would seek to proceed to secure same with a Suspended Order for Possession. In theevent that you are not agreeable to this proposal and we are not in receipt of a revised Income & Expenditure analysis with a suitable counter offer, we are instructed by our client to proceed to apply for a full Order for Possession against you."

 

I am at a loss - how can I alter the repayments on unsecured debts without also falling into arrears with them. Do they expect me to negotiate with other lenders so I can take their repayment money and send it to them instead.

The food bill I can justify.

 

All input gratelfully received. They haven't plavced a timetable on this but I expect I should respond asap.

 

Regards

W6

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Hi Again

 

Well after a very long 4 weeks I had letters from the Solicitors at the weekend.

They made no comment about my offer of a £1000 lump sum but have rejected my offer of £100 extra payment each month.

They say that:

"With consideration to your Income & Expenditure analysis our client feels that your repayment proposal is not sufficient in the light of the sums afforded to unsecured debts and food budget. Our client feels that a revision of the Income & Expenditure Analysis would enable you to afford the contractual monthly installment plus £300 towards arrears. Were you agreeable to such a repayment plan our client would seek to proceed to secure same with a Suspended Order for Possession. In theevent that you are not agreeable to this proposal and we are not in receipt of a revised Income & Expenditure analysis with a suitable counter offer, we are instructed by our client to proceed to apply for a full Order for Possession against you."

 

I am at a loss - how can I alter the repayments on unsecured debts without also falling into arrears with them. Do they expect me to negotiate with other lenders so I can take their repayment money and send it to them instead.

The food bill I can justify.

 

All input gratelfully received. They haven't plavced a timetable on this but I expect I should respond asap.

 

Regards

W6

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Hi there, typical response - you make an offer you can afford - they want more. Personally I'd write back stating that you have no intention of getting into arrears with any other debts and that you will be happy to let a judge decide what is a reasonable payment. If you need help with the letter, please let me know and I'll draft one for you. In the meantime you could make the payment of £1000 you offered, that would look good if it does go to court.

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Hi there, typical response - you make an offer you can afford - they want more. Personally I'd write back stating that you have no intention of getting into arrears with any other debts and that you will be happy to let a judge decide what is a reasonable payment. If you need help with the letter, please let me know and I'll draft one for you. In the meantime you could make the payment of £1000 you offered, that would look good if it does go to court.

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

 

 

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Hi Ell-enn

Thanks for coming back to me.

 

I am very afraid about going to court.

Should I send them a review of the I&E at least making it clear that I have looked at the sum allocated to food/running the house (which included provision for unexpected expenses).

I could maybe alter the offer slightly but no way am I able to go from £100 to £300 per month extra.

In your experience is it usual that they would take exception to payments to other debts and expect the customer to re-negotiate these payments?

I have got 2 loans whihc are completely up to date with an unblemished track record and I'd rather keep it that way.

 

I'd appreciate assistance with a draft letter to responde if you have time.

 

All the best

W6

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Hi Ell-enn

Thanks for coming back to me.

 

I am very afraid about going to court.

Should I send them a review of the I&E at least making it clear that I have looked at the sum allocated to food/running the house (which included provision for unexpected expenses).

I could maybe alter the offer slightly but no way am I able to go from £100 to £300 per month extra.

In your experience is it usual that they would take exception to payments to other debts and expect the customer to re-negotiate these payments?

I have got 2 loans whihc are completely up to date with an unblemished track record and I'd rather keep it that way.

 

I'd appreciate assistance with a draft letter to responde if you have time.

 

All the best

W6

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Hi there, I'll get back to you later today with a letter to send to them. No way should you offer what they want if you know you won't be able to maintain it - you will just find yourself in the same situation a few months down the line. There is no need to be afraid of attending a hearing at court - it is condicted in a private room with just the judge, youself and the other side's representative - just like a meeting. At least you would be able to put your case across and have the judge decide what is fair payment.

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

 

 

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Hi there, I'll get back to you later today with a letter to send to them. No way should you offer what they want if you know you won't be able to maintain it - you will just find yourself in the same situation a few months down the line. There is no need to be afraid of attending a hearing at court - it is condicted in a private room with just the judge, youself and the other side's representative - just like a meeting. At least you would be able to put your case across and have the judge decide what is fair payment.

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

 

 

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Hi, letter affixed - when you print it out make sure your printer is set for A4 paper (not Letter size) so it all stays on one page. Don't forget to take a copy and send by recorded or special delivery. Also, make sure you print off the signature receipt from the royalmail website a few days after posting - staple to your copy of the letter, we may need to produce that (and your original letter) in your defence statement if it goes to court.

Given that you are telling them you would be happy to let a judge decide - I think they might just accept your offer....

Worried 6 First Plus letter.doc

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Hi, letter affixed - when you print it out make sure your printer is set for A4 paper (not Letter size) so it all stays on one page. Don't forget to take a copy and send by recorded or special delivery. Also, make sure you print off the signature receipt from the royalmail website a few days after posting - staple to your copy of the letter, we may need to produce that (and your original letter) in your defence statement if it goes to court.

Given that you are telling them you would be happy to let a judge decide - I think they might just accept your offer....

Worried 6 First Plus letter.doc

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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Right got that downloaded and saved.

I'll update this evening and get away by recorded tomorrow.

 

Do you think I should include the £1000 cheque now as a gesture and refer to that in the letter?

The solicitor has asked that all letters are sent to them rather than FirstPlus so I suppose I should send any cheque to them.

 

The reason I am nervous about court is that they state they will go for a full possession order I didn't think that I'd get a chance to discuss a payment proposal if it went that way.

 

Thanks Again

W6

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Right got that downloaded and saved.

I'll update this evening and get away by recorded tomorrow.

 

Do you think I should include the £1000 cheque now as a gesture and refer to that in the letter?

The solicitor has asked that all letters are sent to them rather than FirstPlus so I suppose I should send any cheque to them.

 

The reason I am nervous about court is that they state they will go for a full possession order I didn't think that I'd get a chance to discuss a payment proposal if it went that way.

 

Thanks Again

W6

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Please be assured that you will get a chance to discuss a payment proposal in court - no matter what they say. They are trying to scare you by saying they will go for full possession! however it's not up to them - it's up to the judge and as it is the first time this has gone to court you are almost guaranteed that the judge will not let them have possession and will suspend, especially as you have made a proposal and they have refused.

If you send the cheque with the letter you should include the sentence "To show our commitment to reducing the arrears, please find enclosed cheque number XXXX for £1,000"

Underneath your signatures at the bottom of the letter write "Enclosed cheque No XXXX"

Make sure you write your name and address and most importantly your account number, on the back of the cheque. Take a photocopy of both sides of the cheque.

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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Please be assured that you will get a chance to discuss a payment proposal in court - no matter what they say. They are trying to scare you by saying they will go for full possession! however it's not up to them - it's up to the judge and as it is the first time this has gone to court you are almost guaranteed that the judge will not let them have possession and will suspend, especially as you have made a proposal and they have refused.

If you send the cheque with the letter you should include the sentence "To show our commitment to reducing the arrears, please find enclosed cheque number XXXX for £1,000"

Underneath your signatures at the bottom of the letter write "Enclosed cheque No XXXX"

Make sure you write your name and address and most importantly your account number, on the back of the cheque. Take a photocopy of both sides of the cheque.

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

 

I am in bad straits now I think.

I was a little late sending back the letter to the FP Solicitors. Meanwhile it has crossed over with a letter I got on Friday (while I was still in England working)

I don't understand what it is.

The letter is dated 9th September 2010 and states that 'We enclose herewith copy Originating Summons by way of service upon you'.

Attached to the letter is a copy legal document dated 1st September the same date of the letter I got last week rejecting my offer so they must have always decided to go to court. This document states 'Let the Defendant within 14 days after service of this summons on hin, inclusive of day of service, cause an appearnace to be entered to this summons........'

The letter rejecting my offer asked for a response but did not give a time limit on the reply - they have acted within 1 week. They are determined to take my house.

THis is stamped 'Court of Judicature - 8th September 2010' for the High Court of Justice in Northern Ireland Chancery Division.

 

Help Please

 

W6

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Hi There

 

I am in bad straits now I think.

I was a little late sending back the letter to the FP Solicitors. Meanwhile it has crossed over with a letter I got on Friday (while I was still in England working)

I don't understand what it is.

The letter is dated 9th September 2010 and states that 'We enclose herewith copy Originating Summons by way of service upon you'.

Attached to the letter is a copy legal document dated 1st September the same date of the letter I got last week rejecting my offer so they must have always decided to go to court. This document states 'Let the Defendant within 14 days after service of this summons on hin, inclusive of day of service, cause an appearnace to be entered to this summons........'

The letter rejecting my offer asked for a response but did not give a time limit on the reply - they have acted within 1 week. They are determined to take my house.

THis is stamped 'Court of Judicature - 8th September 2010' for the High Court of Justice in Northern Ireland Chancery Division.

 

Help Please

 

W6

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Thanks for the reassurance and taking time out to get in touch with me.

Hopefully Ell-en will get back soon.

I have sent my letter of response regarding the offer by e mail today and the original by recorded delivery.

I pointed out my frustration at how they have started to bully me.

However the fact is I have still been served with a Summons so I have to take this seriously. I have to enter an appearance but don't know what this means.

 

Yours Very W6

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