Jump to content


  • Tweets

  • Posts

    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
  • 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

What to do - repossession etc


allsorts1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4394 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 there

 

We have had loads of financial problems for years n years, a lot was caused by buying a home which cost way more to fix up than we anticipated and secondly from when i was ill and ended up having to leave my better paid job.

 

We have had a suspended repossession on the house for the first mortgage, which we have kept up the payments for.

 

But now First Plus who are a 2nd mortgage on the house, who many years ago said they would not pursue us for payments as there was no money available at that time, have decided to go for possession.

 

we have not paid them anything for prety much 5 years and according to them have £40k worth of arrears. Which is probably right.

 

This is 2 months after we got a chunk of money removed from the total due to a PPI refund award.

 

We did not even know they were going to do this until the court papers arrived at the door.

 

I have sent in the defence form, btw the hearing is 10th april

 

Now if things were different i would have sold the house years ago and rented. But, living with us is my mother in law who suffers from pretty much everything - from heart conditions, to having had breast cancer, to osteoporosis etc etc. This means she requires things like raised toilet, hand rails everywhere, cant climb stairs so needs a bedroom downstairs, has a carer every day etc etc. Which as you can imagine is not something many rental places would allow you to make changes for.

 

I would estimate we also have non secured debt of about 30k

 

Now im pretty sure that unless a miracle happens we will lose the house.

 

So what do we do next, i dont know how we ever will find a rental, also how do i afford the deposit, our credit rating is so crap they would probably want loads in advance too, the mother in law would rather die than go in a home, do we go for bankruptcy?

 

I did tell First Plus that, as after the 1st mortgage is paid out of the sale of the house, their would be little if anything left for them and that we may have to go for bankruptcy and then they would get nothing. we have also written to them twice since the PPI refund to try n start paying something, but had no reply, also again since the court date arrived, offering them £300 a month ( i expect they want the £520 + some towards arrears), but we just dont have that money yet.

 

I dont really want to have to go for bankruptcy as i dont like shirking away from what i owe, but i need to find a way forward and do whats right for my family rather than make things more difficult.

 

Any advice would be really useful

Link to post
Share on other sites

How much was the 2nd charge for? If it was under 25k and governed by the Consumer Credit Act 1974 (it'll say on the loan agreement), then you can apply to the courts for a Time Order, which gives the judge power to change the term of the loan and the amount of the payments.

 

If not, then making an offer to pay is probably the best this mortgagee is going to get from you, given that the house doesn't have enough equity to enable them to claim their money back even if they do repossess.

 

How much was the loan for?

How much are the monthly payments?

How many years/months left on the loan?

What exactly did the company say when they agreed not to accept payments from you for five years?

Was there an agreement for you to sell?

 

In relation to your hearing next week, I would suggest you get detailed information (medical/carer's can provide this) about your MIL's disabilities and her needs within the house regarding adaptations.

 

It also sounds to me like you might be an ideal candidate for the Mortgage Rescue Scheme. Have you had any contact from the local authority? The mortgagee, when they decide to seek possession, are supposed to contact the local authority to let them know so that the LA can offer you any assistance that is available. Given your MIL's circumstances, it sounds like you might qualify. Contact the local authority as soon as you can and ask for the department that deals with the Mortgage Rescue Scheme - it is usually the housing department. It might help if you are able to call into the office and pick up an application pack, and a letter from them stating they will consider an application from you. If you give the judge a copy of the letter this should halt proceedings for a while whilst the LA assess your application.

Link to post
Share on other sites

Hi there

 

Loan was for £60k

Payments are £520

10 years left on loan

They said that there was no point them pushing for possession back then as theres not enough equity in the house

no agreement to sell

 

First plus havent spoken to me or written to me at all, i have had nothing from any of them till after the court papers arrived, not even notice they were going to do this.

 

Every call i make to them, the case handler is on another line and never calls back, no recorded delivery letters are responded to, even when they said they would email me an expenses sheet, they never did, and i found one on their site and sent it in, still no response.

 

I finally got some documents from them about witness statement and property search etc - on saturday - thats all they have ever sent. Or i should say all i have ever received.

 

I have to go to see the mortgage rescue people later in the week, but i have nothing from them to prove it.

 

It feels like First plus and Eversheds are punishing us for getting a PPI refund. as they refuse to acknowledge anything

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...