Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • 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

Mis-sold GMAC mortgage, where do i start?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4510 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

Hi

 

I fell behind with my mortgage with mortgage express due to depression wtc. They allowed the arrears to accumilate for 16 months which accrued a arrears debt of £19,000 and now they have decided to take action.......

 

The property value has dipped in this 16 month period and now the property is in negative equity. In total i will owe them approx £60,000!! I do not have valuations 16 months back but sure i can compare on other "sale" sites to strengthen my arguement.....

 

Do i have any arguement as to their responsibility in all this as to have taken action alot earlier to reduce my debt? Do you think i should consult a solicitor?

Link to post
Share on other sites

  • Replies 63
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Please can i get some advice as i am under so much pressure and sleepless nights.........Here are the facts so i dont type to much and lose the plot......

 

1. After being in arrears for 16 months and arrears due of £19k, my mortgage company has decided repossess my property that was granted. They have applied for a warrant last week.....

 

2. I feel my options are limited as i have had a valuation and a prosective buyer but still leaves me with a shortfall of approx £50k which is impossible for me to pay back!!

 

3. I have completed a n244 form to get a hearing to ask the judge for more time to get higher offers to reduce my shortfall after the sale (by approx another £10k)...the agents opinion is i best take the current offer....

 

4. I was wondering if i go back to court, shall i ask the judge for more time to sell? allow the mortgage company to just take the house? (but this will be the worst option i think) or rent it out and in 6 months (hope) that the valuation has increased? (but rental income is not guaranteed!)

 

I realise it not up to me now but i would just like to make a proposal to the judge and i am just scared what i am going to do with such a huge debt!!

 

I am sure i paid a "higher lending charge" when the mortgage was with GMAC origonally but MEX deny this and i cant find original mortgage offer as it was over 10 years ago!

 

Im like a headless chicken with "what, ifs and buts....."

 

Will they chase me straightaway for the debt? (i.e. within months?)

Edited by confusedbunny
added more info
Link to post
Share on other sites

Just a few questions that i am confused about:

 

1.I suspect i paid a higher lending charge fee to mortgage express but i cant find the original mortgage offer. They were taken over by GMAC Rfc i believe so would this still stand?

 

2.How would i know if they decided to get a "mortgage indemnity guarantee" insurance?

(I have called and asked them and they say i never....i am 95% sure i did pay this...they said they would confirm in writing but never recieved anything.......)

 

3.Is there any advantage to me if i did pay this as i am going to incur a mortgage shortfall very soon on this sale of approx £50k!! How can i find out if i did pay this?:evil:

Link to post
Share on other sites

sar?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I'm not sure what you're after here. Are you asking if you have to pay the arrears because they allowed you to go 16 months without paying?

 

You have admitted that they have contacted you over this and you failed to respond except for a phone call.

You will have to pay the arrears and continue to pay the normal monthly mortgage payments or they will go to the courts and ask that they take possession of your house and sell it. It doesn't end there though, if there is a shortfall of the amount they sell it for and what is owed, you will still have to pay that as well as not have a house.

Link to post
Share on other sites

sorry, let me make it clear. what i mean is the mortgage company have known that the property has been in negative equity for a few years, could i argue the fact that they "intentially" let the arrears accrue for 16 months (which is a very long time!) in order to make money rather than go to court 16 months ago and end up with a smaller shortfall......they waited for about £20k worth of arrears, could this be a under-handed move from them? i do realise it is my responsibility but im just curious what there motives were for leaving it for 16 months which seems along time...alarm bells should have been ringing after 6 months, no????

Link to post
Share on other sites

I wouldn't know what their motive was, but it wouldn't have been underhand. They won't end up with a shortfall, if the house sale doesn't make what is still outstanding, then you will be billed for the remainder.

 

I'm not sure what depression has to do with it.

Edited by Conniff
Link to post
Share on other sites

PLEASE HELP!! I called my mortgage company to asked i had paid a "higher lending charge", i was informed "NO!!"....I asked them to put this in writing as i was 90 % sure i did when i took the mortgage out nearly 10 years ago but do not have such paperwork after all this time....i receved a letter this morning to say that yes indeed i had paid approx £4200.....question is:

 

1.Where do i go from here? would this help me with the £50k shortfall that i will incur?

2.would the mortgage company have been obliged to get insurance with this money? should i ask them?

3. If so, will the insurance company chase me after they have settled the shortfall?

 

Thanks for your time everyone, i am seriously having sleepless nites over all this stress......

Link to post
Share on other sites

sorry, let me make it clear. what i mean is the mortgage company have known that the property has been in negative equity for a few years, could i argue the fact that they "intentially" let the arrears accrue for 16 months (which is a very long time!) in order to make money rather than go to court 16 months ago and end up with a smaller shortfall......they waited for about £20k worth of arrears, could this be a under-handed move from them? i do realise it is my responsibility but im just curious what there motives were for leaving it for 16 months which seems along time...alarm bells should have been ringing after 6 months, no????

 

I don't mean to be harsh, but you state that you know it's your responsibility, yet in every post you have sought to pass the blame onto the mortgagee. YOU let the arrears accrue for 16 months - THEY exercised a great deal of forbearance, for which you should be grateful.

 

If you cannot afford the mortgage and you knew this 16 months ago, rather than get into 16 months of arrears you should have put the house on the market and informed the mortgagee in writing that you were doing this because you couldn't afford the payments. I am sure that within 16 months you would have sold the house and could have negotiated with the mortgagee to pay less than the outstanding amount IF there was a shortfall. If they repossess YOU will be responsible for the shortfall and they DON'T have to negotiate with you over it.

 

You simply do not have a legal argument against them, so please stop wasting your time looking for a way out of this via that route, you simply won't win and will rack up costs, meaning you will owe them even more when the house is repossessed. Put your house on the market, inform your mortgagee of your difficulties, and at least try to pay SOMETHING each month, even if it's only a token payment.

Link to post
Share on other sites

  • 2 weeks later...

I have a possession order granted (on the grounds of no financial proposals to have a suspended) on my property that expired last week. The order was a 35 day order for time to sell the property. during this time i had 2 seperate buyers that both fell through...last one being last week.....i need more time to sell, what are my options:

 

1. can i go back to court and ask the judge to give me more time to sell (i.e. suspend the warrant!!) will they allow this?

 

2.failing that and my financial circumstances change and i can meet the mortgage shortfall each month and a small amount of the arrears, can i go back to court yet again, even when i warrant is issued to make payment proposals even if a warrant has been granted?

 

In other words, can i apply back to the court as many times as i want (within reason) according to my change in circumstances if any, to try and prevent being repossessed?

 

any advice is appreciated. thank you.

Link to post
Share on other sites

You can make applications to the court when you need to. If the courts decide you are just stalling by over-use of the procedures, then they will bar you from making any further applications without the leave of the court.

 

If your circumstances have changed and you can now meet the CMI plus something towards the arrears then you should certainly apply to the court for another hearing. First put your offer in writing to the mortgagee giving them a time frame to reply. Then issue proceedings. If you genuinely can afford the CMI plus arrears a judge will probably suspend the PO and allow you an opportunity to show you can pay. During that time you can continue trying to sell.

Link to post
Share on other sites

My mortgage company is due to apply for a warrant although i have the house under offer with a potential buyer and due to complete in 3-4 weeks (before they get the warrant for eviction!)

 

The selling price and what i owe the mortgage company has a shortfall of approx £45,000 (and there is no way i can pay this back!) unless i pay something like £50 per month (showing a budget sheet) for first six months and review after that to possible increase.

 

Can the mortgage company object to the sale? they want to put it in auction but it will get far less than what i can achieve, what can i do?

 

Any advice is greatly appreciated..........

Link to post
Share on other sites

The Mortgage company is BOUND to achieve the

best price for the property, the court should be made aware

of the pending sale, the proposed sale by auction would

put you at a financial disadvantage unnecessarilly.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I was thinking this aswell, as they will achieve alot less in auction and its in there best interest to let this sale go through and also for me to reduce my negative equity impact, which is already unbearable! could they argue that they will object to sale as they will put it in an auction and then "be satisfied that they have achieved the best possible price".......

Link to post
Share on other sites

Are solicitors involve with this at the moment?

If so it would be a good idea to contact them

and put your case as soon as possible./

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...