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    • This is just so appalling. Trump is pardoning all and sundry who know him and also trying to pre-pardon people for future offences or court cases, for whatever.   But he's trying to speed up executions and reintroduce even more horrible ways of killing people, regardless of the circumstances of their conviction, before he leaves office.   The contradiction is shocking, I think it could be the worst thing he's done.   https://www.theguardian.com/commentisfree/2020/dec/03/donald-trump-pardons-family-clemency-death-penalty
    • Here is the letter I would be sending to the garage;   Dear Sir/ Madam Ref: xxxxxx On xxxxxx I purchased, and took delivery of, the above vehicle Ford Kuga from you. On xxxxx I discovered that it was not of satisfactory quality: the transmission will need to be replaced. The Consumer Rights Act 2015 requires dealers to supply goods that are fit for purpose, as described and of satisfactory quality. However, the vehicle is clearly not roadworthy. You are therefore in breach of contract.  I am legally entitled to ask that your repair or replace this vehicle at no further cost to me. If you are unable to do so, I expect to be reimbursed the original purchase price of £xxxx, minus an agreed amount for fair usage. If you fail to reimburse me, I shall have no alternative but to issue a claim against you in the county court for recovery of the money without further reference to you. Yours faithfully,
    • They are from Birmingham City Council , and this where the his mom live At this time I was homeless , with no permanent address 😔😥
    • Hi all im looking for advice when it comes to council tax liability for a new home if an eviction is started for our old home but then suspended due to court error and pandemic causes further delay in proceedings.   The short story is i'm a disabled carer getting legacy ESA and carers allowance who has lived in his own home for nearly 20 years with mortgage as leaseholder. (SMI loan helps with mortgage interest). Also terrified of the UC migration that a change of circumstance will cause so dragging my feet tbh.   Just before the Pandemic the freeholder of our "old home" obtained a dubious possession order and we received notice of eviction before the pandemic so signed a tenancy for a "new home" that we where grateful to be accepted for in a new local authority district. As a result we stopped paying the bit of mortgage interest we needed to pay in our old home in favour of paying the rent for the new home out of our own pocket but before we could move into the new home proper and tell the DWP about a change of circumstance to get the rent paid (natural migration to UC?) the pandemic locked us in our old home!   Now we still haven't moved because the possession order was set aside when the courts re opend post first lockdown because of court error but possession proceedings are still ongoing with the added bonus the mortgage company is now involved and there legal fee's alone have been added to our mortgage balance effectively consuming all equity that was left in the property, thus our long term plan to sell, settle debts and move into rental is destroyed.    The new home awaits us and we spend a couple of days a week there, we have been able to put cheapest carpets in and blinds and moved some stuff in. We pay the rent out of our small income for security to avoid homelessness but we cant abandon the old home yet because thats likely a bankruptcy for certain if we just hand it to the mortgage company..   Believe it or not this is still a council tax question because the council where the new home is want there council tax and have demanded hundreds but obv we cant claim CTR yet as we havent formally had a change of circumstance due to the delay in eviction and im not sure they will like whay i have to tell them.    So the primary question is will the council be able or even willing to reduce or cancel the liability for the new home under these circumstances until we actually get evicted formally from the old home?   I think when you have title to a property you cant claim help with rent on another property and rightly so even in times like this...   We also worried about losing the new flat because being housing association we supposed to live there as our main home but have been delayed moving as described, its pretty certain we are getting evicted in the new year one way or another then insolvency might follow that depending how it occures we are just trying to find a path to avoid insolvency, benefit fraud and homelessness and deal with the council tax in the new home to! Not a small task during a pandemic! Its a tricky customer this any help welcome...  
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hello ell-en just been down to court and been given a date 5 days before eviction. it worry me as if i lose case i wont have enough time to organise a move. can i get the date sooner asked lady in court but very unhelpful thanks

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Hi there, I can understand your concern, but based on the information you have given I would be very surprised if you did not get the eviction suspended. Judges do not want to put people out of their houses if there is a good chance of them making payments towards the arrears.

 

You say you have made a payment of £1430 and another one for the same amount today? How much of these payments were towards the arrears?

How much is your normal monthly payment?

 

Kind Regards

 

Ell-enn

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my normal monthly payment are £1380 so paid £50 but made numerous payments of £100 so the order the courts made i year ago is met. but missed a couple of payments. my arrears after these payments will about £4800. do you think this wil be problem do i need to pay more

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Hi, you should continue to make any payments you an afford to between now and the hearing, but if your arrears are now £4800 I don't think you'll have a problem. When is your next normal payment due?

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Hi, if you make the payment before the hearing it will reduce the arrears, but your payment on 1st August will still be due on that date, and if you don't make it you will be in arrears again. You should only make payments towards the arrears if you have surplus money before the hearing date.

 

I honestly think you will be ok - you have an income and can show the judge you can afford the extra payments of £150 per month. You have also reduced the arrears in the last week which will go in your favour.

 

Kind Regards

 

Ell-enn

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Hi there, if you make any payments before the hearing, let me know and we'll do an up to date statement for you to take to court to hand to the judge.

 

Have you asked GMAC for an up to date statement? that would be helpful to take to the hearing.

 

Also, remember to get the transaction numbers for any payments you make.

 

I am on holiday next week, but will be back on line on Sat 26th so will catch up with you then.

 

Stay positive, it will be OK.

 

Kind Regards

 

Ell-enn

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Dont forget the payment due on the Ist is in advance not arreas like some GMAC take the money in advance on the Ist of the month you must get a statement from GMAC Im around next week if you have a peoblem I cannot do as ellen does but I fought GMAC for 8 years

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  • 2 weeks later...

whoo hoo just been to court and got aggrement for my offer of paying of arrears. SO A BIG BIG THANK YOU TO ELL-EN AND BONA. THE COURT PULLED GMAC APART FOR LACK OF COMMUNICATION. SO ALL I CAN SAY TO PEOPLE IN SIMULAR SITUATION IS TO GO ON FORUMS LIKE THIS TAKE WHAT ADVISE YOU CAN GET. MAKE SURE YOU WRITE TO MORGAGE COMPANY AND KEEP COPY. AS I FOUND TELEPHONE CONVERSATION HAD CONFLICTING ADVISE. I KEPT ALL MY LETTERS AND SHOWED JUDGE. SO THANKS AGAIN TO EVERYONE WHO HELPED. AND BIG KISS TO ELL-EN (hope your a girl):D

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Brilliant News! I'm so pleased for you - and well done for being brave and showing the judge what GMAC are like.

 

Thanks for the Kiss - (and yes, I am female) :D

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Hi there

 

Just read your post and wanted to say CONGRATULATIONS. Well done and live happy

 

olivesxx

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

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HUBBY

Bank of Scotland Prefernce account £296

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also owe big to

Bank Of Scotland £10000 sending cca reqest

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Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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