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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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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).
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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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Restriction K's


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shazzyball

 

Ganymede and Sequenci have laid out the reality of an Order For Sale being granted let alone attempted. The fact you are in near negative equity alone means they would be complete idiots to try in this financial climate as they'd waste an awful lot of money for, potentially, no return.

 

And as only 0.3% of CO's ever progress to an OFS (have a read here http://www.shergroup.net/blog/?p=690) you can sleep easy that is not going to happen! The low percentage rate is simply because creditors know it's not going to happen in all but extreme cases (which yours isn't)

 

As I have previously said on this thread, I feel that once the Creditor takes this route they lose any bargaining power regarding repayments as there is now nowhere for them to go and they lose their "fear factor" to gain repayments (I hope your OH had a degree of satisfaction when telling them the £100 offer is no longer available).

 

I know everyone is different and you have to do what makes you feel ok; but my OH has refused point blank to talk her creditor since they gained a CO (Restriction) last year. They tried to phone and then wrote three times asking for payment or "further enforcement action will be sought through the Courts".

 

She continued to ignore them and they haven't been in touch for over six months. We also aren't in negative equity and we don't have any children under 18 at home, either. So stay strong as your circumstances really defeat anything effective they can now do to you.

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Also have a read here http://www.lawgazette.co.uk/in-practice/benchmarks/proportionate-orders-sale and also the link in there "Charging to the front of the Queue"

 

It's a bit long but it explains why Charging Orders are sought by creditors in the first place (as first come first served!) It also highlights why the creditor is always going to struggle to get an OFS if the debt is under £25,000.

 

Whilst it hasn't been passed as law, the author notes courts are reflecting "the way the wind is blowing" on the unfair proportionality of creditors collecting a debt under this figure, with an OFS, against the debtor losing their residential home.

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I have read with interest the issues where the debt is in sole name but the property is in joint names (my situation).

NWHL have obtained an Interim Charging Order and have applied for a Final Charging Order. Following the Interim Charging Order the Land Registry placed a RESTRICTION on the property which broadly follows all I have read - and that it is basically menaingless and does not 'secure' their unsecured loan.

I just wanted to check a slight deviation in the wording at the start. It states:

"RESTRICTION: No disposition of the registered estate, other than a disposition by the proprietor of any registered charge registered before the entry of this restriction, is to be registered without a certificate etc...."

 

Do the bold letters actually mean anything significant - I assumed this to just refer to the original charge over the property when the mortgage was taken out, by NWHL.

Thanks

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Hi GP

 

2 (07.05.1997) RESTRICTION: No disposition by a sole proprietor of the land (not being a trust corporation) under which capital money arises is to be registered except under an order of the registrar or of the Court.

 

3 (30.10.2007) RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate, or by the proprietor of any future registered charge, is to be registered without a written consent signed by the proprietor for the time being of the Charge dated xx xxxxx xxxx in favour of XXXXXXXXXLimited referred to in the Charges Register.

 

Cutting out the technical mumbo jumbo the restrictions are fairly standard. The first would appear to indicate the property is co-owned. The Land Registry use that restriction so that one owner can not sell from under the nose of the other.

 

The second restriction is there to try and prevent the owner being able to sell the property without the mortgage being paid off.

 

A buyer's conveyancing solicitor during the conveyancing process would require confirmation that the restrictions would be complied with on completion. In the absence of such comfort the danger is that the buyer would not be able to be registered at the Land Registry.

 

Regards

 

Andy

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Thanks Andy....and I am right in assuming that such a restriction is basically meaningless, and that they cannot take the amount they are owed from sale proceeds (unlike the mortgage company - although it's both NWHL) ahead of others creditors who are not involved in legal proceedings.

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GP

 

See Post #11 of this thread and the response I received from the Land Registry Solicitor.

 

It confirms that all is required to comply with the Restriction (and therefore change the LR details upon sale) is for the purchasers solicitor to notify the Restriction holder.

 

But you are right in saying there is legal obligation to pay a creditor who has a Restriction placed.

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My understanding is that there is NO legal obligation to pay a creditor who has registered a restriction (rather than a Notice), and that a sale can rrely take pl;ace, the only obligation is to the mortgagee.

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GP

 

That is correct, but do expect resistance from some Solicitors many of whom (it would seem) don't seem to understand the changes in the LR.

 

They will try and tell you that you have to pay off the creditor with the Restriction or the sale can't proceed. That, as the LR have confirmed, is not necessary or required.

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We have been thinking about our position in all this and to be honest i think the best thing is to sell up and move into rented accomodation. I read that some solicitors are aware of the fact that they have an obligation to inform the charge holders of a pending sale but have no legal requirement to pay them. Is this correct? and are there solicitors out there that will act on that basis.

At least we will have some money left to try and start fresh. I dont think ican keep fighting on. It seems that the sub prime lenders are happy to allow customers to get into difficulty so they can go for the home and charge charge charge. Without the litigation side of the business they would make no money. both myself and my husband need to get away from these parisites who feed of all of us who are trapped by these sharks.

 

The fos are weak and are effectively paid by the lenders so it is obvious any claim will be defended, they wont bite the hand that feeds them either. The goverment should step in as a matter of urgency to protect all sub prime borrowers, taking someones home away from lenders who have changed the trading names in an attempt to clean up there act, were impicated in fraudulant activity abroad and have been fined for malpractice in the Uk, as well as using other solicitors (agents) in court to do the dirty, tell un- truths and have the right to keep charging these fees surely has to be illegal.They are all gangsters hiding behind the legal system and we are powerless in most cases.

 

I appreciate this site does everything it can to help all of us in financial difficulty but we need to lobby the government and show them what tactics they use to intimidate, bully and pursue us like vultures waiting for the ultimate goal, our homes.

 

We all need to fight back and send these crooks back to the states or prosecute them and shut them down for good. They seem to be a law to themselves and skirt round the law for there own greed. Putting families on the street costs the government in the long run, housing, Benifits,etc, where if they took the other approach and stopped these people from generating penalty fees then we all may be able to reduce our debts a lot faster, we would feel like we were getting somewhere and have the weight of these crooks taken away.

 

Something needs to change and quickly, the government needs to get a grip on this matter and call a halt to this form of loan sharking.

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shazzyball

 

If selling up and renting reduces your outgoings substantially then it may be a wise move due to your near negative equity (and it certainly reduces creditors options to put any pressure on you) but don't lose heart about your situation if you would prefer to stay put.

 

That is because you should now see that the CO route for creditors is more of a priority move on their debt than an actual move to regain immediate payment. They are now severely limited in what else they can do but wait for any type of payment. You can take advantage of that time to sort out what really is best option for the future.

 

And I agree with what you say regarding the loan sharking rates these companies have been getting away with under the toothless and largely ineffective financial regulatory services in the UK. Not allowing CO's to be granted for debts under £25,000 (as this Government said it would do but then bottled it) would have been a huge help in this financial climate to people in debt struggling to keep a roof over their head. But don't underestimate the power of websites like CAG in empowering people to fight back against these people.

 

And the terms of the Restriction on your house has now been clearly defined by the Land Registry as having 1) no legal weight to enforce payment and (2) a sale to a third party for money cannot prevent the LR details being changed. But you need to make sure your Solicitor understands this fact you will be paying him and he should be acting in YOUR interests and not that of the Restriction holder.

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Shazzyball,

I can sense the anger in your post, and I agree as I feel anger and frustration too.

This route of Charging Orders has been used by the creditor, to exploit a loop hole in law on so called"

" unsecured debt "

I am lucky to have a large amount of equity.would I pay my our creditor out of a sale. No!!!

Why because they caused so much stress at the time, and were so aggressive. We recently asked for a settlement figure letter received back signed" Head of Unsecured loans" What a Joke!. Stated you do need pay this now, just continue with your monthly payments. Our original loan term still hasnt

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Shazzyball,

I can sense the anger in your post, and I agree as I feel anger and frustration too.

This route of Charging Orders has been used by the creditor, to exploit a loop hole in law on so called"

" unsecured debt "

I am lucky to have a large amount of equity.would I pay my our creditor out of a sale. No!!!

Why because they caused so much stress at the time, and were so aggressive. We recently asked for a settlement figure letter received back signed" Head of Unsecured loans" What a Joke!. Stated you do need pay this now, just continue with your monthly payments. Our original loan term still hasnt expired.

Shazzyball sorry to rant, I would make a decision to suit your own particular circumstances, to give youpeace of mind, and benifit

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Hello everyone, thank you for an excellent thread. It has provided some comfort to my wife and I. I am on another thread which has ended up the CO route. I hope to conclude that thread soon, as it will be of enormous interest to all contributors.

But for now, I have had an unsecured 6K loan turn into a 25K claim. Creditor refused offer of payments and granted an ICO final CO hearing at the end of month.

I have been informed that because the judgement is forthwith, they may be able to make me sell my home to repay. These vultures have caused undue stress to my wife and I.

We are joint home owners and I am solely responsible for the debt.

My wife is a pensioner and suffers from a disabilty. The OFS issue had terrified us.

But, it would appear from the thread that we need not worry.

If I have interpreted correctly we can sleep at night once again.

My sincere thanks to all contributors.

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Hi again guys and gals,

 

Yes you can tell i was a tad angry, calmed down a bit now. our opinion is that if we can sell and not pay the charging orders then we would be better off selling up and renting for a few years untill the market picks up, trouble is we need to find a good solicitor who will work with us on this. Anyone know of such a firm?.Please pm me on this for obvious reasons.

 

It would give the charge holders a shock to find out we completed and know that we have done nothing illegal. Thankfully its only a restriction.

 

Oh,the satisfaction to get one over on these parasites. If the government dont sort this growing problem out then it will cost them dearly in the long run.

 

 

 

 

 

We can make a fresh start ride out the recession and rebuild our credit rating, if we can sell up that is.

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shazzyball

 

Understand that if you sell up the debt won't disappear but it will become "unsecured" again and makes "enforcement" of the debt very difficult for the creditor.

 

As for Solicitors, I'd start ringing them up now to get the feelers out on who you can use when the time comes.

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clynite

 

Have just located your thread but as its 200 posts long can you give a quick explanation how it got from 6k to £25k ???

 

But, yes I wouldn't be concerned given both the debt is only in your name and also you wife's unfortunate circumstances. As posted previously, only 0.3% of CO's ever progress to OFS which, in my opinion, is because creditors know they are so very difficult to obtain (plus, I believe they are expensive to do as well.)

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eggboxy1

 

Thanks for looking in. I have promised to update everyone on my thread when I can. But, not knowing what the moderators will allow, I thought I'd wait until the matter concluded. It is very complicated to say the least. But, I will try to be brief and not defame anyone.

 

A late application for an appeal was made by my sol. This was granted but a 'wasted costs order' was awarded against me for the late application. Then we had an appeal (lost). Then we had the trial (lost). Add the cost of these three events to debt and you have a balance of £24K. My sols on a no win no fee basis. So all these costs are the claimants.

 

I have been making payments towards the 'wasted costs' (wc) at a nominal amount. This was arranged via sols at the late application stage. I have maintained these informal payments to present time. Post trial judgement was ordered forthwith. I maintained wc payments while an intallment order application was made by my sols (albeit a late application). This was rejected by claimants and the court has made the judgement payable forthwith again.

 

This is why my wife and I have been worried. My sol has not been to supportive. Advice received from numerous sources implied that claimant could now go for OFS on property.

 

CO application taking place in matter of weeks. My sol says no point in objecting as claimant will get it. On what I've read, there is a time limit to object. But cant convince my sol of same.

 

I received an email earlier from sol, asking if I'd agree to a instalment payment slightly higher than original I/E figure and agree to the CO and suggest that the claimant review my financial cirumstances on the anniversary of the plan.

 

I hope you can see why I am panicking given the support I am getting. It is to late to appoint a new sol.

 

Hope this explains the dilema.

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clynite

 

Its fair to say I'm speechless at your experience! But first of all, don't agree to any higher repayments or a CO without going in front of a Judge to put your case across.

 

I know I haven't read your thread through yet but there does seem something very wrong about your Solicitors conduct in all this to let this happen? Hopefully, wiser eyes than mine can find something in their to redress the matter.

 

I can only (at this stage) give you the crumb of comfort in the fact that OFS are rarely ever pursued (as I said above only 0.3% ever are) so I wouldn't be too concerned (I know its difficult at times but take heart from all the examples on CAG of people with CO's still living in their own homes!)

 

The reason for the low rate is simply because the Judge has far more discretion over whether to grant an OFS over a CO where he has very little. So I can't, in a million years, see any Judge granting an OFS on the home of (with respect) a disabled pensioner for who isn't responsible for the debt! (A help on this is if you try Googling for examples where OFS have been applied for (let alone granted!) - let me now if you find any as I can't! Whereas there are hundreds of CO hearing examples)

 

Can I ask where the OFS "advice" has been coming from? You will hear OFS being muted by creditors as a scare tactic as they want you to cough up more repayments and,it's my opinion, Debt Help organisations don't help much either when explaining the fact that creditors can go for an OFS after a CO but not balancing it with the fact of how difficult (and remote) that process is.

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eggboxy1

 

Thanks for your support. The OFS has been muted to me by nearly everyone I have contacted recently ie friends, debt agencies, my sol has also intimated same but wont commit. His stance doesn't inspire confidence. The costs have been so high, as a result of claimant using barristers every step of the way.

My worry is, that my sol isn't on the same wave length as the rest of us. I realise there is a time limit on this matter which is fast running out. I cant afford to incur any more costs and dont know what to do for the best. It seem sol wants me to accept CO and new instalment payment. He has stated he doesnl't know if the claimant will go for this until we ask. I've told him to hold fire with any solutions as Im not ready to make an informed decision. ( I thought this is where the sol comes in) But, I dont think I am getting the best deal as it were. Phew, this is hard work! Our heads ache with the stress. I have asked him to consider objecting to the CO. He doesn't think it will serve any purpose as they will get it anyway. I told him about 'cymruambyth's' successful defence of CO. He asked me to send him a copy. I've also sent him CO information from 'debt4get'

Dont know what will transpire but, will keep u posted. Thanks

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eggboxy1

 

Thanks for your support. The OFS has been muted to me by nearly everyone I have contacted recently ie friends, debt agencies, my sol has also intimated same but wont commit. His stance doesn't inspire confidence. The costs have been so high, as a result of claimant using barristers every step of the way.

My worry is, that my sol isn't on the same wave length as the rest of us. I realise there is a time limit on this matter which is fast running out. I cant afford to incur any more costs and dont know what to do for the best. It seem sol wants me to accept CO and new instalment payment. He has stated he doesnl't know if the claimant will go for this until we ask. I've told him to hold fire with any solutions as Im not ready to make an informed decision. ( I thought this is where the sol comes in) But, I dont think I am getting the best deal as it were. Phew, this is hard work! Our heads ache with the stress. I have asked him to consider objecting to the CO. He doesn't think it will serve any purpose as they will get it anyway. I told him about 'cymruambyth's' successful defence of CO. He asked me to send him a copy. I've also sent him CO information from 'debt4get'

Dont know what will transpire but, will keep u posted. Thanks

 

 

If there really is no defence then, from a costs point of view, the best thing might be not to fight the CO.

 

As has been mentioned an OFS is very rare, especially if there is a vulnerable person living in the property.

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ganymede

 

Thanks for your input.

 

I beleive the claimant rejected my offer deliberately to justify their CO app. If I have understood correctly from information on this forum; if the instalment offer was accepted, then no chance of CO.

I have made and maintained regular payments post 'wasted costs order', these have been accepted by the claimant and are being deducted from the grand total. I will maintain these until trial.

It was only when an instalment app was made; they rejected. Court then made order payable forthwith. This is where the anxiety has arisen. We have been told that now, the claimant has nowhere to go but get a CO and possible OFS to repay debt. Because the debt is so large and given our age in relation to being not being able to repay in our lifetime via instalments.

It has become so stressful that we only want to know if there is merit in opposing, or if inevitable, give up and go with sol advice!

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clynite

 

I understand ganymede's point about costs, but you must go to court and explain to the Judge your circumstances and what's happened (and I'm of the opinion you may do a better job doing this yourself given your Solicitors track record!)

 

You will most likely still get a CO but you can ask the Judge to attach a no OFS provision in the CO terms given what you have tried to do in repaying the debt and your wife's situation. The extra costs you may incur for this won't really make a difference and it will, at least, give you peace of mind if you succeed. If you don't defend then this definitely won't happen.

 

And remember, the Creditor has to refuse your offer of repayment to obtain his CO. But understand, too, that the overwhelming reason creditors go for the CO is not to get an immediate repayment, it's more to gain priority over other creditors for any money that is up for grabs from you. CO's are excluded from Bankruptcy proceedings, too.

 

But the problem for them after they have gone this far is that there is really nowhere for them go in putting pressure on you to pay as they know they won't get an OFS. That's why they then come back asking for the payments you previously offered and they refused! My OH has a "Restriction" on our house for over 8 months for £13000 and has refused to talk or pay anything to her creditors. What have they done after a few token requests for payment? - Zilch!

 

As for the people you have mentioned telling you about OFS's ignore them they probably haven't looked into the reality of how obscure OFS's are and, as I said earlier, Debt help organisations don't really give a balanced view.

Edited by eggboxy1
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