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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Reposessed and I still own the house?.


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After a failed business in 2009 I had unsecured debts attached to my property then in August 2011 the property was repossessed.

Now I have got my head out of my backside after the divorce (yes kicked me when I was down) I find some strange things are in place.

We had equity of about £35K and this is still held by the banks solicitor because although someone has moved into the house the debts have NOT been paid and as of 10:10am today I’m still with my wife the registered owner of the property. Now the debts in my name where about £20k and the ones in my ex-wife’s where about £7k (inc an interim charging order dated 26 Jan 2010).

Now I have a list of CCJ's and a list of the charging orders and I have requested what money is owed to my EX wife to be sent to her and the debts paid off but this is still not done and has been in limbo since August last year.

All the details I have are from this morning so I don’t think they would be out of date?.

Any help.

 

Nick

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Who instigated the repossession ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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What's not clear from your post is why the bank is holding onto the money...presumably that money is from the sale? If so, who conducted the sale? Why haven't the purchaser's solicitor carried out their work effectively? To release money and exchange contracts without proof that the charges on the house will be discharged is neglectful.

 

You have no choice but to contact the bank and ask what is going on, as if the property was subject to a possession order and sold on that basis, one presumes you had no involvement in the sale, and therefore no solicitor involved? The alternative is to instruct a solicitor and ask them to find out what is happening. Incidentally, just because you think you had 35k of equity, doesn't mean that there was 35k of equity when the property was sold after the mortgage took their share (plus costs) - this may be the reason the other debts haven't been paid.

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