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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Eviction ** Suspended **


J402
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Hi can anyone help me. I been given an eviction date and have 2 previous suspended repossessions.I've been made unemployed is it possible to get more time to find employment.

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Hello and Welcome,

 

You may have to wait a bit for advice, as some of our users have day jobs and don't get online until later.

 

Regards,

 

Scott.

Edited by maroondevo52
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Any advice I give is honest and in good faith.:)

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

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

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi there, have you been in touch with the lender to let them know your circumstances?

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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.

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J402 you may be entitled to help with paying your mortgage after, I believe, about 60 days. The Benefits Agency will pay the interest only on your loan, up to a mortgage rate of about 4%.

 

Obviously you need to liaise with your lender on this, but if they have gone for eviction already then you will need to present your case to a judge to try and get the eviction stopped.

 

Ell-en or Lea-TH will be able to help you fill in the N244 form which you will need to apply to the Court to have the eviction stopped.

 

Do you have family, or are you on your own?

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What date is on the eviction notice?

 

Who is the mortgage company?

 

How much are the arrears?

 

How long does the mortgage have left to run (years)

 

Do you have any children living at home?

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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.

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What date is on the eviction notice?

 

Who is the mortgage company?

 

How much are the arrears?

 

How long does the mortgage have left to run (years)

 

Do you have any children living at home?

 

 

The eviction date is next Wed 8th, the mortgage company is C&G, arrears are just under £5000, the mortgage has 16 years to run and I live on my own.

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I have been offered a job is it too late to stop the eviction.

 

That's good news, hopefully Ell-enn will be on-line later.

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

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Have you filed the N244 at court? If you haven't then that should be your first job on Tuesday. It costs £40 to do this. I've been in a similar position and done a lot of reading and on the face of it I'd say you have a chance of getting this stopped. You can pay off the arrears by paying £26 extra per month over the term of the mortgage, which is acceptable in law. You can say why you stopped paying and can now show that you can start paying again due to getting a job. What were the circumstances of the previous suspensions? Was there a good reason for you getting behind then?

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I have filed the N244 the hearing is 9.55am on Wed and the eviction is 11am on Wed.

I was self employed in 2007 and because of the downturn in the economy I struggled to keep up with the payments payed a lump sum off the arrears and arranged to pay extra with the mortgage and got the eviction suspended. In 2009 I was off work through ill health went to court again managed to pay some off the arrears with a lump sum and continued to pay the mortgage and extra off the arrears. By June 2011 I had cleared the arrears but wasn't aware that I needed to go back to court to have the repossession order removed. In early Dec 2011 my elderly mother was taken ill and was in hospital until she sadly passed away at the end of January 2012. As I have no brothers or sisters there was only myself and my daughter who is a single mum with a 2 year old to visit. During this time I was called down to the hospital either in the middle of the night or early in the morning on 4 occasions. I was unable to go to work as I was down the hospital twice a day. I notified the building society and told them I couldn't afford the mortgage because of the situation and agreed to pay £45/month as a token payment. The funeral was in the beginning of February. I needed some time to manage her affairs after the funeral. In April disillusioned with being self employed I took a job courier driving being promised 5days work a week but ended up only working 2 or 3 days a week as they needed me, and found it a struggle to make ends meet. I paid £200 mortgage at the end of April (by now I was 4 months in arrears) and paid £600/month until Dec 2012. I left and in Nov took a job working in a factory but was layed off in early Jan this year.

Edited by J402
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If God forbid and the judge doesn't find in my favour the eviction is scheduled for 65mins after the hearing start. Can I ask the judge time to move my belongings.

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Hi there, take a photocopy of your job offer letter and take it (along with the original) to the hearing. You can then show the judge that you have new employment and will be able to make payments.

 

When you get to the court ask if there are any duty legal advisors you can speak to - if there are ask them to support you in the hearing. If there are no advisors - when you get into the hearing, the judge will address you first as it's your application - when he/she has finished speaking say to him/her "Sir/Madam, may I show you a letter offering me employment - I will be able to make payments to the arrears going forward" and then hand it over.

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Hi Ell-enn I will do that. I have previously cleared arrears of a similar amount within 2 yrs but was unaware that I needed to go back to court to have the order removed, is it worth me mentioning that to the judge to show that I am committed to clearing this debt or will he/she be aware of it. Will the Building Society be represented at the court.

Edited by J402
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The building society will probably send representative from a local solicitors firm - they are usually instructed at the last minute and don't have much information other than what the arrears are etc.

 

I think if you can show the judge that you have a new job offer you should be OK.

 

Did you put all the info you described in your earlier post (11) in your witness statement?

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Hi Ell-enn I put that my elderly mother was in hospital and as I was visiting my mother in hospital everyday I was self employed and unable to go to work. My mother passed away in late January and after the funeral in early Feb I needed a few weeks to manage her affairs. I said that because there was no work in my usual self employed work I took up a driving job and another in a factory before I was laid off in January. Not as much detail as in post 11. Do you think I need to print that out and read it out in court.

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I think you have covered the reason for the arrears and now you have a new job offer I'm sure it will be OK .

 

Stay positive :)

Help us to keep on helping

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

 

 

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Thank you Ell-enn and everyone else on this forum for your support and invaluable advice.

 

Good luck on Wednesday, hope all goes well.

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

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Thank you maroondevo52. I will keep you all informed.

 

Could someone tell me why are the bank still ringing me asking whats happening tomorrow. Surely the court would have informed them.

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Hi, did you tell them that you had a hearing tomorrow ?

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I told them I was seeking independent legal advice. I would have thought the court would have informed them about the hearing tomorrow. It was as if I was I was building a case against myself for them.

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They probably haven't seen the copy of your application that the court sent them - the legal departments of most lenders are very slow at opening mail/receiving faxes etc.

 

 

When you ger to the court don't forget to ask if there are any duty advisors present that could support you in the hearing.

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.

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