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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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11th hour request for advice - Court on Monday - Paratus


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I have just been approached to help someone who is in court Monday for a 1st repossession hearing. I dont have any experience regarding repossession but have been to court regarding unsecured debt and I am not afraid of the courts and proceedings.I am willing to speak up for my friend if allowed.

 

She has completed an I and E form sent to her by Paratus and before I was involved had borrowed money from her very elderly parents to try to stave off proceedings to no avail..

 

I am concerned that the offer she has made to Paratus is untenable if she is unable to work a lot of overtime . How can I ask them to actually accept a lower offer ? She has been borrowing from Peter to pay Paul etc and has a few payday loans . I dont think she can service all her debt.

 

She was £4k in arrears ..has paid £1k off via the loan ....payments should be £550 and she has offered £700 pcm . She works all hours she can ... working herself into the ground ...

 

The house is in her name only but she has an awful feckless estranged partner who lives in the house [ married ] who refuses to help and sponges off her [ I know I know ...] He tells her that if she divorces him he will take half the house etc etc.

 

I think there is equity in the house but she is convniced she will not be able to sell if she is in arrears . I have told her I am sure she can try to sell as the mortgagees will definitely get all their money back if she sells. She thinks she will have to give the awful sponger money from the sale ...I am not sure about that .

 

Can anyone help me to help her ?

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Hi there, what date is the hearing? If her monthly payments are £550 and she is offering £700 against £3,000 arrears then I can't see a judge giving possession to Paratus. Need some more information before I can advise further

 

How long has the mortgage left to run?

Are there any children living in the property?

Has she filled in the defence forms from the court yet?

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Hi Ell-enn

 

Thank you !

 

I dont know how long the mortgage has to run ..Its a local authourity house bought under right to buy probably 10 years ago or so.

 

There are no dependant children .

 

She says she has sent an I and E to the court but didnt mention defence forms

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She would have received an N11M defence form from the court with the notification of the hearing. Can you ask her if she completed them and sent them back. Really need to know exactly what she sent to the court. If you have access to a printer we can do a statement for her to take along to the hearing ?

 

I'm logging off now but will catch up with you tomorrow and we'll see what can be done to help :)

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hi Ell enn

Ok I have got the following info from the defence form

do you agree with details of mortgage Yes

do you agree with amount owing No as has paid 1000 off since claim

claim only mentions arrears no other reason

do you consider terms of mortgage are fair Yes

Do you want court to consider changing terms No

Have you made agreement with mortgage company Yes 700 per month

Do you want to pay arrears by installments Yes 150 on top of 550 monthly payment

Do you receive benefits No

Any dependants No

Other occupants 1 My husband ( named ) who I am separated from but not divorced . He does not work or sign on but refuses to contribute to household expenses.2 My son who does work pays towards electricity and buys some food for himself.

Other outgoings not in arrears

I am in arrears with gas and electric but now on meters

I am in arrears with council tax and water rates but have made arrangements with them.

 

That's all she has relayed to me and hope you can help

thank you

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Has that been submitted to the court?

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OK, I assume she filled in the income and expenditure part of the N11M ? the only additional thing she could do would be to take a statement to court asking the judge to take into account the Norgan case law (this is case law which refers to allowing mortgage arrears to be repaid over a period of time - in some cases over the remaining length of the mortgage - this is a commonly used case law in repossession cases). If she would like to take a statement to this effect please let me know and I can draft one for her.

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Hi Ell enn

Thank you . As you know I am concerned that she has offered too much and will definitely struggle to maintain 700 per month so I would appreciate a statement that could possibly reduce the payments and stretch the arrears along the remaining term. Before she submitted the defence and I and E she had no advice whatsoever apart from being advised to throw out the partner!

I wish she would have been more forthcoming before but she was ashamed and was just desperately trying to borrow the arrears from friends and family.

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OK, can you get her to complete the affixed budget sheet (it calculates automatically as you fill it in). She should be as honest as possible. Let me know when she has completed it and if it shows she really can't afford and extra £150 per month then we'll tell the court in her statment that she felt pressurised by Paratus into making an offer she won't be ble to sustain. At the end of the day the repayment of arrears has to be affordable and judges to take that seriously.

 

What was the reason for the arrears occuring?

 

Are there any children living in the property?

Budget Sheet.xls

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Hi Ell enn

I will try to get the info for you re the budget sheet. It may be later tonight or tomorrow.

Yes she has made the offer in a panic in the hopes that she will be able to keep to it.

I believe some arrears had accrued last year and she had begun to pay £700 per month to reduce them. Then due to a family situation which I won't go into on a public forum she felt she was obliged to pay for something very expensive and she then did not pay her mortgage for a few months leading to the current arrears.

Her situation at home is terrible and no matter how we try to advise her she can't see a way out without the total break up of her family .

 

There are no children living in the house

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OK, but you will need a printed copy (3 copies actually) of the budget sheet to go with the statement which she will have to hand to the judge in the hearing - will you be able to get that done and printed off to give her before Monday morning ? I could do with seeing the budget sheet before printing to make sure it's ok.

 

Ideally it all needs to be done and printed by tomorrow night? Does your friend live near you?

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You can email it to me at [email protected] (there's no space between the c and o, the website just shows it like that for some reason). Let me know on this thread when you've emailed it so I can look out for it.

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I've got it and sent a response........... we have some work to do on that!

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Hi, the statement is affixed - you need to fill in the information where there are XXX's at the top of the statement (the information will be on the court papers) - 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.

 

Print off 3 copies of the statement and Budget sheet. Your friend will need to sign each copy of the statement. One set is for the judge, one for the rep for the lender and one for yourselves to refer to in the hearing.

 

On the top left hand corner of the Budget sheet write the Claim number (it will be on the court papers) and on the top right hand corner write Appendix 1.

 

Staple a budget sheet to each one of the statements.

 

When you arrive at the court tell the usher you wish to accompany your friend - also ask if there are any duty legal advisors or housing charity advisers and if there are approach them and ask for their help.

 

When you get into the hearing, wait for the judge to finish his opening words (don't interrupt) and then say “Sir (or Madam) may I please give you an up to date statement” and just hand it over. Give a set to the other side's rep at the same time.

Summerbreeze statement.doc

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:)
  • Confused 1

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Arrived at court and managed to grab an advisor. Gave her the statement and revised budget sheet and I made my friends case for her and the advisor approached the other side . Flat refusal to accept the new offer to reduce the arrears so we went before the DJ .

He was very nice and friendly but the other side set out at length their reasons to refuse our new offer based mainly on the amounts going out on unsecured borrowing.

The DJ after some time and debate about the amount of unsecured lending asked if my friend would reconsider what she could offer and the advisor suggested an amount exactly midway between the 2 offers [ I was not allowed to speak or I would have suggested somewhat less ].

The DJ bit her hand off and said he was not going to refer that offer back to the other side and set the arrears repayments at that revised offer.

So suspended repo order and a more affordable payment than originally offered.

 

Hopefully my friend can try to sort her life out a little.

 

Many many thanks to you Ell - enn from me and my friend . You are a star !!

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That's great news - well done:) did she manage to give the judge the new statement?

 

So how much does she have to pay towards the arrears now?

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

 

 

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