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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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      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.

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Urgent Advice Needed Please Regards Selling Prior to Reposession and Delaying Repossession


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Thanks you in advance for your time taken considering my difficulty and your help.

 

I am currently £10,000 in arrears with my mortgage of £299,995 and have been unable to make payments now for 3 months (£1400 approx monthly). The majority of the arrears were accrued in 2009 and since then I have had an arrangement to pay interest only which i have kept to until 3 months ago.

 

My job lost it's funding last August 2010 and since then I have been working on a self employed basis and also selling most of what I owned to keep up to date with the agreement however, my father suddenly became ill earlier in the year and my mother was unable to care for him due to disability so I chose to step up and as a consequence my earnings have been almost zero for the past few months.

 

I have been in regular contact with NRAM and asked them to allow me to pay only £500 for a few months until I get back on my feet however they point blank refuse and have said they will continue with legal action unless I pay the full £10 000 and also make full payments to the mortgage. I understand their position, they want to get what we agreed!

 

I have 2 children (the youngest is 2 years old) and I have no idea of how to deal with this situation?

 

I have had the house valued and if I sell it will just clear the mortgage, I am prepared to do that however, i am concerned that I will put it on the market and NRAM will repossess anyway, does anyone know if they will negotiate on that point please?

 

I will be grateful for all helpful suggestions and advice and thank you again for your time and help.

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Hi, I am getting info and help, probs just looking for a little reassurance in my scenario, however after bottiling this up with Mrs for 2 yr and staving of 6 evictions we had a heart to heart and got a lot of our chests to our advantage, now we have 3 choices..

 

1 We have a viewing for our property soon and if an offer is made then its sold....

2 We hand back the keys after our letter of intention to the Mortgage company

3 I advise the courts that we will not defend the next eviction ( looming ) and let the eviction take place.

 

In the meantime I am looking at renting private and that will reduce my outgoings by £1200.00 per month, and I wont have the pressure of finding my contractual payment each month, and fighting possesion orders with N244's.

 

Mr

Regards..Mr Worried :)

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Hi All

 

WOW, Just as I pressed ' post quick reply' the post fell through the letterbox, and yes1 its from NRAM advising me that they have enforced possesion and a bailiff will be here soon with the date of eviction, unless we pay full amount of arrears. approx 5k.

 

Ok as I mention above in my choices, do we keep the house, do we let them have it? what about shortfall etc, can I remove my fitted kitchen, bathroom,wardrobes, double glazing, garden sheds, playhouses, carpets etc.

 

Maybe browse post 8. http://www.consumeractiongroup.co.uk/forum/showthread.php?319453-Eviction(2-Viewing)-nbsp

 

Any advice would be good, but believe me I am in no panick whatsoever as my health and fammily are far more important than the worry.

 

Once we decide what to do, shall / can I apply to the courts for more time to ' move out etc? '

 

Mr Relaxed

Edited by Mr Worried
sp

Regards..Mr Worried :)

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Thanks you in advance for your time taken considering my difficulty and your help.

 

I am currently £10,000 in arrears with my mortgage of £299,995 and have been unable to make payments now for 3 months (£1400 approx monthly). The majority of the arrears were accrued in 2009 and since then I have had an arrangement to pay interest only which i have kept to until 3 months ago.

 

My job lost it's funding last August 2010 and since then I have been working on a self employed basis and also selling most of what I owned to keep up to date with the agreement however, my father suddenly became ill earlier in the year and my mother was unable to care for him due to disability so I chose to step up and as a consequence my earnings have been almost zero for the past few months.

 

I have been in regular contact with NRAM and asked them to allow me to pay only £500 for a few months until I get back on my feet however they point blank refuse and have said they will continue with legal action unless I pay the full £10 000 and also make full payments to the mortgage. I understand their position, they want to get what we agreed!

 

I have 2 children (the youngest is 2 years old) and I have no idea of how to deal with this situation?

 

I have had the house valued and if I sell it will just clear the mortgage, I am prepared to do that however, i am concerned that I will put it on the market and NRAM will repossess anyway, does anyone know if they will negotiate on that point please?

 

I will be grateful for all helpful suggestions and advice and thank you again for your time and help.

If you want to sell, then go ahead and put the property on the market. If the mortgagee proceeds with court action, you can simply request that the court adjourn the case to give you time to sell (this is guaranteed to work if you have a realistic buyer at the time of the hearing, if you do not, then the decision whether to allow you time will be up to the judge, so you should have compelling arguments to persuade him/her). Certainly the mortgagee should be prepared to negotiate with you right up to the last moment - including after a possession order has been granted (but obviously before eviction has taken place). Most high street lenders will follow the pre-action protocol before taking you into court, which includes considering your plans to market the property.

 

Realistically, unless you have concrete proof of your finances changing in the very near future, and being able to maintain not only the current mortgage instalment but something towards the arrears also, then a judge is going to have a hard time finding in your favour at a repossession hearing.

 

You appear to be being realistic - you know that selling the house will (hopefully) clear the mortgage - and given that you have small children, it is likely that the local authority will have to assist you with re-housing (not guaranteed, but usually an option).

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Hi

 

Lea_HTH - Thanks for your input, I've now received a letter from NRAM ststing that they have passed my account to solicitors to proceed with court action!

 

Please, If anyone is able to give me advice on how long this process is likely to take from now until the court action and then I guess the subsequent repossession I would really appreciate that, I am really dreading my daughter finding out that we have to move as she is really settled and has zero idea that we are in such a mess financially.

 

Thanks for any information that you can offer.

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Hi there, if they have applied for a court hearing date then you should receive a claim pack from the court within the next two weeks - the hearing date will probably be set for 4 - 6 weeks after you receive the claim, so you have somewhere between 6 and 8 weeks before you have to attend a hearing. That should give you time to get the house valued and on the market, make sure you have a copy of the estate agents contract and also copy newspaper adverts/brochure etc. so you have proof to take to the court that you are selling. If you are fortunate to get a buyer in that time then a letter from your solicitor stating what stage the conveyancing is at would be helpful.You should start the ball rolling tomorrow to give yourself as much time as possible. Would you be able to rent privately nearby where you live now ? might be an idea to start looking for somewhere now so you have a safety net.

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Hi Ell-enn

 

Thanks so much for your help, I really do appreciate it as this is really difficult to deal with.

I wonder what the likely time scale will be for having to leave the house after the court hearing? I don't know if I will be able to rent locally because my credit rating is now very poor, does anyone have experience of this they can share please?

 

Thanks to everyone for your help :)

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If you are unable to make payments going forward the court would likely issue a 28 day possession order. This means that you have 28 days to vacate the property - if you don't leave by that date then the lender will apply for an eviction warrant and you would receive this from the court giving a date that the bailiffs will arrive to evict you.

 

So in essence you would probably have 28 days + perhaps another 2 - 3 weeks maximum. When you receive the eviction warrant you can go to your local housing office and ask if they can rehouse you as you have 2 children.

 

(I've just realised I have replied on the other thread you posted on - so will keep to this one now)

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Hi Ell-enn

 

Thanks for your replies to both posts :)

 

I have now received a date for a court hearing in 4 weeks time and I would really value some additional advice please from anyone that would like to help.

 

There really is very little prospect of me being able to offer a satisfactory plan to repay my arrears and meet my monthly contractual obligation for at least another 3 months as business has taken a dive since I took time out a few months ago to look after my father when he was ill, it seems likely that the judge will therefore grant a possession order to NRAM.

 

What I wonder;

 

1. Is there any way that I can delay the repossession/eviction until after the Christmas period because It will be awful to disrupt my kids over Christmas and I want to stay until January if there is any way to do that?

 

2. I have had the house valued by three agents and am putting it on to the market today, can I use this as a bargaining tool in court and request that because a sale is the best prospect for repaying the debt quickly the court allow us to stay until we sell, If this is possible how likely is it that the court will go with it?

 

3. I have other debts that I am unable to repay and I wonder if I was to declare myself bankrupt before the possession hearing will that delay the hearing and enable us to stay in the house until the official receiver deals with the bankruptcy? If it will then does anyone know for how long.... will it be long enough to get us through to January?

 

4. I may be able to arrange for alternative accommodation from Mid January as a friend is prepared to allow me to use their property which has a tenant who is leaving in early January. If I make the court aware of this what is the prospect of them and the lender agreeing to let us stay in the property until then?

 

Thanks to you all for your anticipated advice and help with this matter and I hope it is clear enough and not too complex!

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Hi there, I am having trouble with the formatting in posts from my work PC today, so I will reply to your questions in detail when I get home this evening.

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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

 

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 Ell-enn,

 

I wonder if you will be abke to reply in more details to my questions today? I'm treading water at the moment and looking for some good solid experience and information to enable me to decide what i will do.

 

Thanks again.

 

Hi there, I am having trouble with the formatting in posts from my work PC today, so I will reply to your questions in detail when I get home this evening.
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HI, sorry for delay - I'm still having trouble with formatting

 

1. Is there any way that I can delay the repossession/eviction until after the Christmas period because It will be awful to disrupt my kids over Christmas and I want to stay until January if there is any way to do that?There is some case law we can use in your defence whereby we can ask the court to allow you to pay reduced payments for a short period of time while the property is being sold. You will need proof from the estate agency (usually your contract with them), a list of viewings and any adverts placed in newspapers on internet.

2. I have had the house valued by three agents and am putting it on to the market today, can I use this as a bargaining tool in court and request that because a sale is the best prospect for repaying the debt quickly the court allow us to stay until we sell, If this is possible how likely is it that the court will go with it? See answer above.

3. I have other debts that I am unable to repay and I wonder if I was to declare myself bankrupt before the possession hearing will that delay the hearing and enable us to stay in the house until the official receiver deals with the bankruptcy? If it will then does anyone know for how long.... will it be long enough to get us through to January?That would not delay the claim for possession or the hearing.

4. I may be able to arrange for alternative accommodation from Mid January as a friend is prepared to allow me to use their property which has a tenant who is leaving in early January. If I make the court aware of this what is the prospect of them and the lender agreeing to let us stay in the property until then?.No need to tell them that just yet, if you were unlucky enough for the court to order a 28 day possession order, you could wait until the 28 days are up and the lender applied for an eviction order – that’s when you would defend again and state you have somewhere to go mid January and ask for an extension. ..Given you have young children you would be more than likely successful. Plus the fact you may have a sale proceeding on the house.

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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

 

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 Ell-enn

 

Thank you for taking the time to reply to my questions, you are a great support.

 

The answers are very clear and the formatting is fine, I will probably have another question or two once I have had time to take this all in.

 

Thanks again!

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