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Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help


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yes all

i know some court fees might be due ie they did take you to court , but it failed did it not..so..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Are charges after that date anything but legal ones?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes only legal charges

7/5/19 Field Agent cost £60.00

10/2/20 Legal Fee £57.50

21/5/20 Legal Fee (I received a court order and was given a hearing date that was cancelled because of covid) £707.80

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Then put the field agent charge on the stat int sheet

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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18 hours ago, dx100uk said:

yes all

i know some court fees might be due ie they did take you to court , but it failed did it not..so..

 

Doesn't work like normal court claims DX ...it's part of the T&Cs of the mortgage and legal fees incurred will be added to the debt.

 

Repossession claims are ongoing once the initial application has been made...it never fails simply suspended ....therefore a new hearing can be arranged easily.

We could do with some help from you.

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sorry yes i didn't make it clear not too inc those.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok no probs thanks for help with this

this is where Ive got to so far - total claimable £608.55

 

                   
Claim From: 14/12/2009         Total   £608.55
                   
Claim To:   26/01/2021              
                   
                   
Date of
Charge
Description Amount of
Charge
Number of
Days Elapsed
Interest at
8% Simple
                   
14/12/2009 charges £321.40 4061 £287.15

 

 

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cant be right.

where the CISHEET

you can include the field agent visit cost on the statint sheet not the others

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

I will have another go at this- should the figure be higher or lower?

 

I had a letter from Coast couple a  few weeks ago saying they were considering re applying to the court for repossession.  I responded twice by recorded delivery offering a token payment until I'm back on my feet and out of lockdown etc, they came back to me and said that the token payment was not acceptable so l replied again and asked them what would be acceptable.   I have had no response from that letter until Today I received a pack;

 

Cover letter from HM Courts & Tribunals saying the claimant has applied to court to evict me' (My house is mortgaged) - this mentions possession of property and eviction.

'Claim for Possession of Property'

'Notice of Hearing'

'Defence Form' (rented residential premises)

 

In addition to this seperately by post yesterday arrived a letter from Coast saying that a court charge had been applied to my account - there was no mention at all of receipt of my letter I had sent by recorded delivery.

 

I will get on with getting the CIS Sheet completed. 

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they aren't.

 

can you do some scanning?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Evening DX - yes I can do some scanning- everything in the pack with personal details and ref numbers erased?

OK to keep dates?

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yea sure, just remove what they might be able to use to ID you here thats all.

they can't download PDF's without being a member either.

 

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Had to hide that

Appears everything is still unredacted to me.

 

Dx

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • dx100uk changed the title to Coast claim for Possession - old Welcome secured loan - twarted now N11R - help

as far as i can see this is only a review...an N11R.
its a repeat of last year.

 

2. On 14 February 2007
above premises.
the c1aimant and the defendant entered into a mortgage of the xxx

 

there is no existing welcome mortgage - this an old secured loan is not conjoined to a welcome mortgage

there IS an existing 1st charge mortgage with Kensington.

 

(b) The agreement for the loan secured by the mortgage is not (or none of them is) a regulated consumer
credit agreement.  the loan IS regulated by the CCA.

 

7. The following steps have already been taken to recover the money secured by the mortgage:


The Claimant has confirmed to me that it has complied with the requirements of the Pre-Action Protocol for
Possession Claims prior to issuing possession proceedings.
 

did they

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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On 05/06/2020 at 14:41, Andyorch said:

If it was adjourned..then why are they billing you ? 

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Their solicitors TLT contacted me last year to say that proceedings had been cancelled and they encouraged me to come to an agreement with the client, Coast/Welcome.  

 

So as they are calling it a mortgage - does that mean its invalid? Also seems confusing that the defence form is questions about rental and being evicted

 

With regard to pre action protocol - I was in communication with them trying to agree a token payment until lockdown was over and back into full time work.   I was also hoping to send them the claim for the charges from the CIS Sheet.

 

I sent both my letters by recorded delivery and have proof of delivery for both!

 

I have attached the docs - apologies for error!

Coast_Court_Docs_compressed - no detail.pdf

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i'm not ever sure N11R is the right form??

 

you are not their landlord

your are not renting from them

you live in your house mortgaged home  and the 1st charge mortgage is with kensingtions.

 

somethings not right here..

 

Form N11R: Defend a claim for possession of a rented property - GOV.UK (www.gov.uk)

could just be an admin error by guildford?

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help
  • 4 months later...

open

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A lawyer has been dealing with this (as I was struggling to deal with this alongside my current PTSD trauma counselling.) - now have Notice of Hearing which says " A Judge has decided that this case should proceed to a possession hearing, you must attend this hearing, if you do not the order may be made in your absence.  If you are unable to attend for any reason you must contact the Court or the other party immediately.  

 

It goes on to suggest that seek legal advice or get myself representation.

 

I advised the lawyer that there were legal charges on the account but i don't think this has been mentioned to the court in previous communications.

 

I have been advised today that the worst case scenario is that the full debt will have to be paid immediately - if that is the worst case I have no idea how that will happen given that I have £287 to my name.

 

I'm having PTSD trauma counselling at the moment and passed this over to family to help who involved a lawyer to help with but fear that this may have been wrong decision 😪

 

 

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p'haps @Ell-enn will pop in she is our master at these speculative repo's by non 1st charge fleecers

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, can you please confirm if you have received a date for the hearing and what, if any,  paperwork has been sent from the court.  N11M is the correct form for defence of residential mortgaged property.

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Hello Ell-enn, thanks so much for looking at this

 

I have received;

 

1. 'Notice of hearing' with date and time confirmed (approx 3 weeks time) 

 

2.  Also received (i think at the same time) 'General Form of Judgment or Order ' stating the judges names and the court address also states 'IT IS ORDERED THAT' : Because this order was made without a hearing, any party may apply for it to be varied, stayed or set aside.  Such application must reach the court within 7 days of service of this order.

 

3. Letter from HM Courts & Tribunals Service: "We have sent you this pack because the claimant (your landlord or mortgage provider) has applied to the court to evict you. "You must act now as you are risk losing home etc etc" Contact local duty advisor etc

 

4.  Letter from TLT stating they have been instructed so start re-possession proceedings relating to the above property. With details of the Court date and time etc.

 

5. Another letter from TLT 'Notice of Substantive Hearing' with date time of hearing 

 

That's the lot!

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