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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
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Joint Paragon Loan but Ex defaulted on his share of the instalments


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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

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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.

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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.

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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

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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

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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

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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

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  • 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

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