Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

ge arrears


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4110 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have been struggling with my mortgage with ge money for years and now they are about to arrange an eviction date. Present monthly payment is around £950 with arrears of around £17000. I cannot lose my home. I have offered in writing to make payments of £1200 per month but fear this may be rejected. They always want to negotiate by phone but I prefer to keep things in writing. Please can someone help

Link to post
Share on other sites

I have moved this to the repossession forums for some help

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

have they already taken you to court for eviction?

did you send your proposal by special delviery?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hi janis6670

 

There is quite a lot you can do to make your case, some of the other guys and gals know more the I do and will help with there expert knowledge,

 

a link to some info in the meantime:-

http://england.shelter.org.uk/get_advice/repossession

Edited by IdaInFife
link removed :)
Link to post
Share on other sites

Hi,

 

My understanding of this is that you will need to fill out form N244 and take to court to get the eviction suspended. You are in a position to maintian the normal monthly payments and make an additional payment towards the arrears - it's unlikely that a judge will grant repossession in those circumstances. When Ellen picks up this thread she'll help with the N244. When is the eviction date? You're right to keep things in writing and not to discuss on the phone.

Link to post
Share on other sites

sorry about the lack of response. I have been trying on my own. i dont think that formN224 applies in scotland. I don`t have adate yet but expect one in the next few days..They have rejected my proposal and expect full payment of my arrears and added charges totalling now over £20000! My daughter has bad epilepsy and is being affected by the stress. I have informed them of this and they have requested medical evidence which I have sent.

Link to post
Share on other sites

It sounds to me that they are being totally unreasonable. If you can offer to pay the normal monthly payment and something towards the arrears and can show that this is affordable with a budget statement for the court I cannot see a judge granting repossession. You can challenge the charges - £20,000 sounds crazy! I don't know if N244 applies in Scotland I'm afraid, but there must be an equivalent process. Stay positive.

Link to post
Share on other sites

It sounds to me that they are being totally unreasonable.

 

It's a bit too early to make that statement pubman1. Until we know if this has already been to court and an agreement to accept arrears payments was made and has not been adhered to, then we can't judge the company.

Link to post
Share on other sites

you said you were are court about 2 years ago.

 

was this for the mortgage - were they trying to get a repossession order?

 

was it stated at court how much you would pay to the arrears?

 

edit: you stated yopur latest offer was rejected - did you send this by letter or phone

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

yes it went to court about 2 years ago for ?calling up . The court had nothing to say about amounts or repayment arrangements. I came home yesterday to find a final notice for eviction on friday 24th september. Is there anything I can do?? I did send my last offer by post to which they replied that whilst never refusing offers of payment they would require the full amount of arrears and charges to be repaid to stop the process.

Link to post
Share on other sites

ok I have founf out what our equivalent of the n244 is up here - we apply for a section 2 order

 

I am assuming it was called to court but you agreed to a payment plan with the lender direct.

 

Unfortunatley i cannot locate this court form as i am presuming it can only be lodged via solicitor - your local cab can direct to you alocal one or you can use the law society.

 

I will keep trying to see if this can be done yourself but in the meantime if you look at the other threads you will see ellen has posted a budget sheet - i suggest you fill this in and keep a few copies

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Janis, as you are in Scotland try ringing the Govan Law Centre - http://govanlc.blogspot.com/

 

even if you're not in their area they can give info over the phone as to lodging the form at court. I did a Secton 2 form last year for someone - I'll trawl through old repo threads and see if I can find it (it's not on the Scottish Court Service forms section for some reason).

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.

Link to post
Share on other sites

Hi there, it wasn't a section 2 application I did, it was a different kind of debt. You might want to read this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?199046-Notice-of-ejection-Repossession-in-Scotland

and contact Shelter Scotland they will be able to help you.

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.

Link to post
Share on other sites

yes a reponing note is to let the case be heard again if you failed to attend the original hearing and allow the sols to dela with it

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

yes a reponing note is to let the case be heard again if you failed to attend the original hearing and allow the sols to dela with it

 

My eviction has been cancelled tomorrow. Just had a voicemail from the law centre so dont know any more detail at the moment but at least i can sleep tonight. I will post again when I know what the next step is.

Link to post
Share on other sites

Excellent - that must be such a relief to you.

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.

Link to post
Share on other sites

  • 2 months later...

Just thought I would update my thread for any other unfortunate Ge customers. they let my reponing note go ahead and I thought that would be the end of my decree, but then they decided to go for a full evidential hearing, all the time refusing to negotiate an offer of increased monthly payments. However, due to the Supreme Court Ruling and 2 days before the evidential hearing, my wonderful solicitor told me that the calling up notice served did not expire and the lener was now willing to accept my original offer of monthly payments. They also agreed to no costs to either side. Good eh?

Link to post
Share on other sites

Excellent:-)

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.

Link to post
Share on other sites

great news

 

jsut for reference for anyone in scotland reading this as well

 

http://govanlc.blogspot.com/2010/11/glc-predicts-major-shockwaves-for.html

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...