Jump to content


  • Tweets

  • Posts

    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
  • 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

help, repossesion


Scots1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4042 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

Sorry if this is the wrong place but I need urgent help, we are due for reposession at 9:30am on Tuesday, my husband has to call our lender (NRAM) at am on Monday morning to confirm that paper work we have faxed over is enough to put a hold on things.

 

Our story, we got behind in mortgage payments when my husband was in between work contracts, we were always open and up front with our lender and a plan was set in place for the arrears to be covered, then in Nov/Dec we were fictims of fraud when a company sent false court papers to husbands work putting a wage arrestement in place, we proved that the court stamp was false, the judges signature was false etc and told our mortgage company about it and they were aware that we would be unable to make Nov and Dec payments. We got a notice to say that were are to be repossessed on Fed 4th at 0930. Hubbie contacted NRAM and they asked for documents to be faxed over, bank statements etc bu they theny failed to contact us to say that they needed to see where his wages were being paid into and our address wasn't showing up, this was at 5pm on Friday!!! We have faxed over the required info but have to wait until 8am tomorrow morning Monday) to see if it is enough. I feel sick, can't eat, have a baby to breastfeed and 3 other children one of which has aspergers, we have no family near by and a 5 bedroom house to potentially pack up in a few hours.

 

 

Am very scared

Link to post
Share on other sites

  • Replies 52
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hello and Welcome Scots1,

 

I've amended your thread Title, It can be quite slow getting a response over the weekend, hopefully you'll get some help shortly.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I am no expert (far from it) But I have been in a similar situation to yourselves.

 

Rather than rely on the lender to play ball and put a stop to things, get control of the situation yourself.

 

Get yourself down to the county court tomorrow AM. (Check opening times, usually 10am)

 

You need to go armed with a completed N244 form, and the £40 fee. This will get you a hearing in front of a judge. As long as you can afford the contractual monthly repayments, along with an amount towards the arrears, you'll have a very strong case.

 

There is plenty of advice here on how to fill in the N244 form. Hopefully you have a printer at home. If not, fill the form online, save it, and go print it at a friends/library.

 

Good luck.

 

But please, don't leave it just waiting for the lender.

Link to post
Share on other sites

Thanks yellowsleeves

 

We are going to fill out the N244 this evening, will it be heard before the judge the same day as in tomorrow? My husband is also going to see a lawyer first thing in the morning. This is so last minute as our lender led us to believe that our proposal that was put in was fine. They want 3 payments one of which has been made and our lender is aware that the remaining 2 payments are to be pain in March. We have informed our lender every step of the way, it isn't as if we buried our heads in the sand.

 

If when we speak to our lender at 8am and they agree to put a hold on things do we still need to complete the N244 and also it prudent to have this put in writing to a solicitor?

 

I just don't know what we will do, we don't even have any where we can store our belongings

Link to post
Share on other sites

What are the current arrears? How long is left on the mortgage? Is this the first eviction date you have received?

 

If they agree to put a hold on things, I would still be very tempted to submit the N244.

 

You may get in front of a judge tomorrow yes. People have had hearings the same time the eviction was due to take place, with bailiffs literally waiting for the call whether to go ahead or not.

 

Things may be different with you being in Scotland, but i'd go to the court first rather than wasting money with a solicitor. There is nothing in the English process that you cannot do yourself.

Link to post
Share on other sites

Arrears wise 2k is what they want to stop things, but as I said they had agreed to it being paid in March, this months mortgage payment has been paid as will next months as we are now clear of the fraudulant activity we were victims off, and yes this is the first eviction date we have had. We plan at being on the court doorstep at 9am with the completed forms

Link to post
Share on other sites

Hi there, are you living in Scotland ?

Help us to keep on helping

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.

Link to post
Share on other sites

I belileve the forms are different for a Scottish court . What is the title of the notice you received stating repossession on Tuesday ?

Help us to keep on helping

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.

Link to post
Share on other sites

I know that you won't be able to, but please don't worry. Judges do not want to have people evicted if they can put a good case forward and it sounds like you can do that. My arrears are £15000 and the judge was very good and accepted that I was making a reasonable offer to pay them off.

Link to post
Share on other sites

Extract Decree

We were just issued with this and nothing else, should we have had a court hearing?

 

In that case and N244 is of no use to you, it's used in the English court system.

 

Have you received a notice of ejection ?

Help us to keep on helping

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.

Link to post
Share on other sites

But we are so short of time, can it be stopped by Tuesday to give us more time, what do we need to do and say, God I hope we can be seen tomorrow, do we still need to fill out the N244 or is it not applicable in Scotland?

 

Thnak you so much for your help

Link to post
Share on other sites

In that case and N244 is of no use to you, it's used in the English court system.

 

Have you received a notice of ejection ?

Sorry just seen this, we have a letter that says "As you are aware our clients have now obtained an Extract Decree against you for reposession and sheriff Officers have been instructed to shedule and ejection to take place on Feb 5th at 09:30"

Link to post
Share on other sites

In that case and N244 is of no use to you, it's used in the English court system.

 

Have you received a notice of ejection ?

 

..

Help us to keep on helping

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.

Link to post
Share on other sites

Have you received an ejection notice ?? it's important you answer questions if we are to help you

Help us to keep on helping

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.

Link to post
Share on other sites

I do understand how stressful this is for you, now I know what stage you're at I suggest that first thing in the morning you ring Shelter Scotland on 0808 800 4444 they are specialists in dealing with the Scottish system of repossession - the lines are usually very busy, but you must keep trying - they will be able to tell you what to do.

Help us to keep on helping

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.

Link to post
Share on other sites

I do understand how stressful this is for you, now I know what stage you're at I suggest that first thing in the morning you ring Shelter Scotland on 0808 800 4444 they are specialists in dealing with the Scottish system of repossession - the lines are usually very busy, but you must keep trying - they will be able to tell you what to do.

Thank you, we have it on our numbers to call We have actually been paying our normal payment and some of the arrears, this months is paid but Nov and Dec weren't because of the fraudulant activity, we have all the paperwork to support us. Can Shelter Scotland speak on our behalf?

Link to post
Share on other sites

If you have been making payments that should show the court you are committed to maintaining your mortgage

Help us to keep on helping

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.

Link to post
Share on other sites

This 'link' might help..................

 

http://www.keepingyourhome.co.uk/download/advisersguide.pdf

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...