Jump to content


  • Tweets

  • Posts

    • That's fine.  The important thing is to show Kev you're trouble and so best to drop you like a hot potato. Invest in a 2nd class stamp tomorrow - all Kev is worth - and get a free Certificate of Posting from the post office.
    • Do not under any circumstances plead guilty until we know what we are dealing with. It's a sure way to 9 points. The tried and tested way to handle this is to plead not guilty to both charges and offer to plead guilty to speeding provided the "Fail to give information" charge is dropped. But I am concerned about this "ticket refused" sticker. I've never heard of this before. A "ticket" is not a term used in connection with speeding offences. There seems a distinct possibility that your response was received by the police but one thing worries me: I've never heard of a sticker being placed on a response and it being returned "Return to Sender". t's just not what ticket offices do. If you could post a picture of this document and the sticker it might help.  If you can show the response was received you may have a defence to the "Fail to Provide" charge (provided you completed your response properly). If the police are saying you did not respond they cannot succeed with a speeding charge (as they have no evidence you were driving). But if you did not respond, who put the sticker on the document and sent it back yo you?
    • lolerz, many thanks for your reply and correcting my big mistake, oh dear start again. They sent the section 48 along with the Form NO 6A, it was sitting on top of the paperwork, sorry about that. SO they have sent me a Form No 6A and i have received the court paperwork with the claim form and defence paperwork.    
    • Hamster Bedding. Ignore.
    • Hi, below is a draft of the letter Address: Hugo Martin Director of Legal and Company Secretary EVRi Parcelnet Ltd trading as Evri CAPITOL HOUSE, 1, CAPITOL CLOSE LEEDS LS27 0WH REQUEST OF CONTRACTS      Dear Sir/Madam, I am writing in regards to the ongoing small claims case ____. In your Defendant’s response you make reference to a pre-existing commercial agreement between yourselves and Packlink (2.7). In that, you claim to have a clause removing customers third party rights under the Contract (Rights of Third Parties) Act 1999. I would like to request a copy of this contract and confirmation of the date on which the exclusion of third party rights term was included in it. If you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. I also notice that you have destroyed tracking information due to "lapse of time" in line with your data protection policy (2.12). Can you share where this data protection policy is disclosed to customers? I also ask you to forward you a copy of that data protectiono policy, and again if you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. Kind regards,
  • 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

Joint Paragon Loan but Ex defaulted on his share of the instalments


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4401 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 have a securred Paragon loan jointly with my ex. The loan was taken out in 2002 we split in early 2010 and he has walked away from paying anything towards the mortgage and the loan. I have continued to pay the mortgage in full and half the monthly loan instalments by standing order as well as topping up these payments (so far I have paid an extra £4116.000 to cover his share) and we are just under two months in arrears ( i pay enough not to go over the two months to avoid a default notice). He has now been made bankrupt as he has chosen to be unemployed (to do the Knowledge). Our two children (13 and 19) and I live in the house and I receive no maintennce for my youngest. We have one year from when his bankruptcy started (Oct 2011) to either buy him out or sell up. We would also have been entitled to £10K back from Paragon via PPI but due to the arrears no longer be entitled to it. As you can imagine I have many questions !

Do I have a PPI claim? / If the house has to be sold can I get a larger portion of the profits due to the extra loan ? / We dont want to move but not sure if I could afford to buy him out due to the equity and how much he owes (madness as to it would cost me a lot more to rent!) Could I add the £4K to his bankruptcy? / Is there anyway I could use this to help us stay in the house all suggestions and advice would be greatfully received thanks

Link to post
Share on other sites

Hi Loz84

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

Link to post
Share on other sites

Your question is VERY complex but:Take FREE advice from an agency such as CAB - who may be able to refer you to free legal advice.PPI claim:If you both signed, contact the PPI insurer to see. If you do not ask - there is no possibility of the answer being yes, you can claim. Adding to his bankrupcty may be possible BUT, if debt is in joint names - that will only clear HIS debt, as you are both liable for the full amount.Only your mortgage lender can advise you of the options availble with regard to staying in the house but legaly they DO have to exercise ALL options. If you do not have a huge amount of equity, your local council may be able to help within the Mortgage Rescue Scheme.

Link to post
Share on other sites

Hi, Loz84.

 

I have moved this thread to the appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I've unapproved the other thread you started, best sticking to one :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hello there, sorry to learn about the situation. We shall try and answer a few more of your outstanding questions:

We would also have been entitled to £10K back from Paragon via PPI but due to the arrears no longer be entitled to it.

If you believe the PPI was missold the arrears wouldn't make any difference in relation to your ability to try and reclaim it. We cannot tell you if you have a prospect of success based upon the information you've provided; there is a wealth of information on this site that should help you decide if you have the ability to reclaim.

 

If there is equity in the property it is likely that the Official Receiver/Trustee in bankruptcy will want to realise this money so that your ex-partner's share can be paid in to the bankruptcy, have you been notified of this at all? As far as challenging the share of the property based upon the extra payments you have made this could require some specialist legal advice. Do you have a solicitor? You may be able to seek some help, for free, via your local law centre:

 

http://www.lawcentres.org.uk/cgi/member_publisher/ldisplay.cgi?centres

 

How much did you borrow from Paragon? There could be a few options available to you, also do you know when the loan was taken out?

 

A secured loan doesn't get included within a bankruptcy, both of you are still be liable to pay it; you can read more about mortgages/secured loans via our self-help pack:

 

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#4

 

 

 

Best wishes,

 

National Debtline.

Edited by National Debtline

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

Link to post
Share on other sites

THanks National Debt Helpline - i am currently getting all the figures together but Paragon are being a bit slow on giving me a redemption figure! As soon as I have it I will let you know.Regards Loz

Link to post
Share on other sites

  • 1 month later...
Natinal Debtline I now have the figures can you tell me what my options are please?

 

Hello there, sorry for the time taken to get back to you. Do you know how much was borrowed when you took the loan originally?

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...