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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Link Financial Debt and Tomlin Order


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Hi there, i have just found this site, really hope someone on here will be able to help with my situation! I stupidly purchased a timeshare in florida in 2009, with Tempus Resort, after reading the small print and noticing i had been lied to and conned i cancelled my agreement within the 10 day cancellation period. However, i did not send this letter by registered mail, so, surprise surprise they did not recieve it. I have no proof that i sent this letter. I sent numerous letters and was basically ignored. As a result i have refused to pay towards this purchase, my debt was sent onto GE money and is now with Link Financial and i continued my refusal to pay. Link have now sent me a Tomlin Order which i have said that i would be willing to pay just to get them off my back, however they also want me to sign a voluntary restriction......i am not prepared to do this as i do not want them to touch my property! I could afford to pay this debt (monthly, in very small payments), however, i refuse to due to the lies i was told and the fact that i tried to cancel my purchase!

Basically the latest letter i have recieved is them telling me this will be a fast track trial and they will seek a CCJ for the sum in question (approx £16000 + interest + legal costs). and then get permission from the courts for a charging order to be made against my property. Can they do this?? Even though my original loan was unsecure?

 

I have since looked on the Tempus resort complaints site, complaints.com and seen numerous posts from people who have got into the exact situation, a large number of people infact (started a pertition type forum) . I just do not know what to do, the stress of life itself is enough without this on my shoulders :( any advice would be greatly appreciated :D

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Hi

 

I've merged your two identical posts, moved your thread to Legal Issues (in view of the Tomlin Order) and changed the title slightly.

 

The guys will be happy to advise as soon as they are available

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a fast track trial and they will seek a CCJ for the sum in question (approx £16000 + interest + legal costs). and then get permission from the courts for a charging order to be made against my property. Can they do this?? Even though my original loan was unsecured

 

Indeed they can; see Part 73 of the CPR. Basically they are proposing to short circuit the court process to save time and costs.

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Thank you for your comment. What would you reccommend then? Is it a no win situation? Do i stand a chance in court with no evidence :( If i sign the voluntary restriction and make the small monthly payments do they then have a hold over my property and coan force me to sell it anyway?

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I wouldn't want to give you any advice about the merits of defending the claim, I would suggest you see a solicitor for an initial consultation so that they can see all of the documents and understand the detail of the case.

 

As for selling the property, it all depends on the terms of the restriction. It can be on terms that it is not to be enforced so long as payments are maintained which obviously gives you some security. As it is a voluntary restriction you have some flexibility to negotiate terms. Beware that however it is certainly possible for a restriction to be arranged in such a way that an application to court to force a sale can be made, although these are very rarely granted.

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Thank you so much for your comments i really appreciate this. I am stressing so much and just do not know what to do. Link Financial basically sent me the paperwork for land registry (it didnt explain to me what it was, no details whatsoever) so i think i will contact them and ask for a copy of the agreement in full. If they cannot force me to sell my property then i guess this is probably my best option. If i get a CCJ ...do you know if they will then look at my income/ outgoings etc and take as much as i can afford? Or will they allow small monthly payments? (And take into account that i have to pay to live also?!) Thank you again.

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If i get a CCJ ...do you know if they will then look at my income/ outgoings etc and take as much as i can afford? Or will they allow small monthly payments? (And take into account that i have to pay to live also?!) Thank you again.

 

The court can determine a reasonable payment but, and this is critical, the court will assess what is reasonable balancing the interests of both parties so if the CCJ is for £16,000 and you offer £5 per month, even if that is all you can afford, don't be surprised if the court just orders payment forthwith rather than setting an instalment plan at all.

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Quick question. Do they still claim that you own the timeshare in question and would you be able to use it? If they didn't receive notice of your cancellation and are prepared to go to court to get the money, do you get the timeshare, or was it all a complete con from day one?

consumeractiongroup.co.uk

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Hi i just spoke to Link and they are going to send out the terms and conditions of the Tomlin order and voluntary restriction. He explained that they would not force me to sell my property if the monthly payments are made on time etc, however if i was to sell my property in the mean time (21 years) then they would take what i owe from the sum made on my property. In answer to your question...The timeshare became dafault when the debt was sold on to GE money, therefore no i would not be able to use it. The timeshares do actually exist, however, so many lies are told about the deal (obviously making it sound amazing!) that people are still purchasing them, by the time they've read the small print its too late to get out! Or in my case you try to cancel and they dont receive the letter! There is a site full of complaints towards this resort.

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Oh well i have received the terms and conditions from Link not in the most professional format (just a simple letter). They basically say that as long as the debt is paid monthly they will not force me to sell my property, i am being asked to pay £60 for 21 years. I think i will just have to do this, if it saves me being black listed etc. Unfortunately i cannot afford court fees to follow through with complaints as if i dont win it will cost me a lot of money upfront. Well thank you all for your help anyway.

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