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    • Well done topic title updated. Please consider making a donation if not already.   Andy
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website.  select respond to a claim and select the start AOS box..  then using the details required from the claimform . defend all leave jurisdiction unticked you might as well file our SB defence at the same time. 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.    
    • Thanks now refer back to my link first task is to acknowledge service of claim...all the instructions are provided in my link above and must be completed by Tues 25th June 16.00...also see instruction re sending a CCA and CPR request in the same link. 
    • Guys, i just got a reponse back from BP. Result.   Thank you, everyone, for your advice and help on this; case closed.
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    • 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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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2nd Eviction due 14TH AUG


Abkay
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Hi - the budget sheet shows you have £153 left over each month (Box E), the lender may argue that you should pay that towards the arrears - do you have any credit cards that you need to pay each month or car loan etc?

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You probably need to put something in for holidays too.

 

No credit card?

 

You need to remember that whatever is left in Box E could be argued that it should go towards the arrears. Is your salary figure what you take home? (i.e. after tax)

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OK, I'm just concerned that given the level of arrears (£9k+) the court might order a higher monthly payment - sometimes a judge will think you should cut down on non essentials. It might be better to offer £100 per month instead of £75?

 

Do you have to pay for child minding during the school holidays?

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I'm actually ok with £100. We do have childminding which is due to me working and my partner studying - I understand what you are saying and can revise the budget once I work it out. What would you suggest the next step is now? Many thanks.

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OK - you just need to revise the budget sheet. Affixed is the statement for Q.10 of the N244 - you need to fill in the information where there are XXX's at the top of the statement (the information will be on the eviction warrant) - read it through carefully to make sure all the info is correct When you print it out the printer needs to be set for A4 paper (not Letter size) so it all fits on one page.

 

On the Budget sheet write the claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

Now assemble as follows:

N244 completed.

Statement – signed

Appendix 1 – Budget sheet

 

This forms the pack to take to court. Make sure it is stapled securely together. Before handing in to court take a copy of it all for yourself to refer to in the hearing. When you hand it in to the court you will need to pay a fee of £40 and it will have to be in cash (take the eviction warrant with you). They should be able to give you a date for the hearing while you are there – also ask them if they have any duty legal reps who will be there on the day of your hearing – if you approach them about your case when you get there on the day they can accompany you into the hearing and speak on your behalf.

 

I'll be logging off soon, you just need to print off the N244, follow the instruction in the post I affixed it in and also the instructions in this post. If you need any further help I will be online from 8.30 am in the morning when I get to work.

Abkay N244 Statement.doc

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No problem :) just remembered - you'll need to change the offer of £75 per month to £100 per month in the statement.

 

Once you know what date the hearing is post on here and we can go through the procedure. Given the eviction date is 14th August you really need to get that form to court tomorrow so you get a hearing before that date.

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Unpaid service charges can be added to an account and then counted as arrears. They are usually capitalised, but don't have to be. The alternative to the mortgagee paying the outstanding service charges to protect their interest in the property, is for forfeiture of the lease to take place (forfeiture is so much worse than repossession as the mortgagor loses the property and still remains liable for the mortgage owed - it just becomes unsecured).

 

OP could ask Santander to capitalise the service charge they paid on her behalf, but Santander are not obliged to do this and are entitled to seek possession on the basis of having paid the service charge to the freeholder/management company - in effect, the service charge payment can be viewed as arrears.

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Went to court with N244 form - have received a date of 17th August for the hearing. The eviction which was due on the 14th has been suspended awaiting the outcome of the hearing on the 17th.

 

Is there anything further I can do/say between now and then to help myself? I spoke with Santander today to see if they would capitalise the service charge - they will not do it and again referred me to Hamlins for everything else.

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The court will send them a copy of your N244 and statement - they may decide to cancel the eviction once they read that you have informed the court of your bereavement and that the payment arrangement has been brought up to date. Let's wait and see what the next week brings

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  • 2 weeks later...

Any news?

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Hi all,

 

Great news! Attended court yesterday and got the result I needed - order suspended and my repayment plan accepted. It was over in about 3 minutes but one thing that I wasn't expecting was that Santander's rep said that the property was in negative equity (he gave a precise figure of £xxxxxx.xx for value of home!?) and therefore the order should go ahead. When the judge asked what this figure was based on he replied 'thats the figure on this piece of paper'.

 

I disputed this and actually throughout had a firm grasp of figures and when/how much was added etc whilst the rep clearly didn't have a clue - I would have thought that if the judge asks these questions but doesn't get a reply then she would be upset/annoyed with him but they seemed on quite friendly terms. I can only imagine what the judge would have said to me had I gone in as unprepared as this rep.

 

Outside the courtroom afterwards I couldn't resist and said to the rep - 'Have you heard of the 5 P's?' and left him with a bemused expression on his face.

 

Many thanks again for all your help :)

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Excellent news! Well done :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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