Jump to content


  • Tweets

  • Posts

    • You need to choose between ET and small claims, you cannot do both. For straightforward wages I'd go small claims. Faster and less messing about. Advice here Employment claims in the civil courts - Working Families WORKINGFAMILIES.ORG.UK Some types of employment-related claims can be brought in the civil courts, rather than in an Employment Tribunal. This advice page offers a high level...  
    • The garages are used - just car currently being fixed.  I have no need of what they offer.  It is conscious trespass - and the law allows. Which is frustrating.  It's just v annoying that they do this. Isn't there a law that someone cannot prevent access to a public highway from private land?
    • The problem with sending it too early is that Jake might try to write something called a Supplemental Witness Statement to undermine yours.  It would be better to send yours right on the court's deadline. The problem is that we don't know when that is.  In 90% of cases it's 14 days before the court's deadline, so 21/06.  However, in the odd case the judge decides differently.  
    • Signs and notes on windscreens wouldn't deter me either. after all. it's private land and very little deterrent to stop drivers from abusing it. A physical barrier, IMHO is the only way you will stop them abusing it.....or, depending on what businesses they are, why not rent out your garage to them, ask them for a staff discount if you purchase anything from them? Whilst it is irksome, how much money have you got to throw at it, and is it really that important in your life? If you were using your garage, different story.
    • Still worried about time order - they have not followed procedures. Looking through lists there are some items not been sent, incorrect leaflets sent.  emails sent and we’ve not received. Texts and emails sent and not completed process. Pages worth.  The worst thing is the phone calls. Not got more than 8 minutes of most.  it’s so unfair.  Have sent them emails offering to pay right back to March. All arrears were paid back.  2 payments since.    what other info do you require from me ?    
  • 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

Eviction suspended for now but I really need some advice on second mortgage/loan with SPML TA London Mortgage Company.


bs0lth
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4120 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

Hi, I apologize in advance but this is going to get long winded...

 

I have just returned from an eviction hearing and I could really do with some advice on how to handle some of this. It was a rushed application because I was away from home for three weeks and the warrant was waiting on the door when I got back for the 1st of March.

 

I submitted an N244 yesterday and had a hearing today and the judge suspended it for the time being as there are quite a few things about to happen and hopefully the loan will be paid off sooner rather than later. I was instructed to make a payment by tomorrow towards some of the arrears and I will do that.

 

Ok here is where I need help.

 

I think I submitted completely the wrong defense but the judge ignored it and pulled up a few things.

 

I was told that the mortgage was a second mortgage, and was bound by the Consumer Credit act (?) and the terms were completely different to the first morgage which is governed by MCOB

 

They are claiming that I have to pay the £2500 arrears on the loan AND the £9500 worth of charges that have been added to the account. The judge stated to the solicitor that the charges were excessive and should be looked at by the company. He also said that it should be addressed by the court and that he was suspending the eviction if I can pay back the £2500 owed by the 15th of April. I have all ready paid off £500 towards this figure.

 

Now my question. I really didn't understand what the difference between the two types of mortgage are, I thought that they were governed by the same body. But I have been assureed that its completely different as the mortgage is governed by CCa (?) think this is right.

 

If the mortgage is goverened by a different body does this mean that the charges are unfair and I should try to clam them back and how do I do that...

 

and can somebody please explain the difference between the two kinds of mortgage.

 

thanks in advance

 

Lynne

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...