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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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it's a bit of a long story but the basic facts of my case are:

 

i) I have outstanding unpaid parking tickets issued by my local council

ii) at least one of those tickets has gone to northampton county court who have issued a seizure warrant for the car.

iii) baliffs came to seize the vehicle but failed to identify themselves to me as such.

iv) a situation arose thereafter that has resulted in the police seizing my car under PACE (basically the car is now part of a criminal investigation)

v) the police have told me that they intend to release the car into the posession of the baliffs when they have finished with it as they view it as the property of n'hampton county court and their appointed agents (the baliffs)

 

I need some serious help here guys. What if anything can i do?

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Northampton wont issue a warrant for seizure. They just issue an order for bailiffs to collect the money. You also need to know that the police rarely ever know what bailiffs can and cant do. Most of them usually fall victim to the bailiffs lies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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thanks plodderton

 

no i haven't been issued anything to say they are allowed to take my car. They have left me their usual threat notice which of course says i owe them lots of cash.

 

thanks renegadeimp

so what if the rozzers do give my car to the baliffs?

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Then you need to go through the process to get it back, especially if it illegally/unlawfully taken. It really sounds as if the police officers are ignorant to bailiff law and are pretty much being taken for a ride by the bailiffs.

 

You could contact the Chief Superintendent as the regular officers rarely ever know anything about bailiffs.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Someone once told me that the entrance exam to Hendon has as the first question 'name'. If you answer 'doh' to that then you are excused from answering any further questions and it is classed as an automatic pass.

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Where is the car being kept ?

 

What notice did the Police provide ?

 

What criminal investigation are the Police following ?

 

Do you have any issue with the PCN's issued by the local council ? They should have written to you, before this ended up with a liability order through Northampton.

 

The bailiffs that visited must have been certificated, otherwise their attempted seizure would be invalid and the Police could not release the car to them. Perhaps ask the Police to make sure that the bailiffs who visited were certificated.

We could do with some help from you.

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yeah very funny thanks coniff but i'm in some serious doo doo here so i need some serious help

 

He is being serious. The police rarely ever know what bailiffs can and cant do. I would issue a full complaint to the Chief Superintendant. If they release the car to the bailiffs when the bailiff has no right to take it, then the police become culpable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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didn't sound that serious but ok not really important. What would the nature of the complaint to the C.S. be?

the car is being kept in a compound used by the police for storage

 

there was no notice - they first refused to release the car to me because they said (in front of my solicitor) it was the property of n'hampton c.c. When I pointed out to them that it was not their duty and probably illegal for them to act on behalf of a civil court or baliffs they then quickly changed tack and said it had in fact been seized under PACE.

 

don't really want to answer the next question on a public forum.

 

I have issue that the pcn was issued to me on a public highway and as a member of the public i have been fined for parking on my own property. There was correspondence from the council but i mistakenly chose to ignore it.

 

I have no idea if the baliffs were certificated.

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Nmf ive said it before, but you NEED to get the CSI involved and also issue a full complaint to the bailiffs office.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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if you have been given a notice of sezure from them the bailiff then the car belongs to the them

if you have not recived such a notice then the car belongs to you

 

http://www.legislation.gov.uk/uksi/1988/2050/contents/made

 

if you scroll down to APPENDIX 2 FORMS on this link the form 7 is a notice of seizure

 

look here to see if the bailiff is on the certificated bailiff register

http://www.consumeractiongroup.co.uk/forum/showthread.php?377382-Certificated-Bailiff-Register-Updated

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"if you have been given a notice of sezure from them the bailiff then the car belongs to the them " I am sorry but that is utterly wrong. The car (the goods) is in the custody of the law when seized in execution. Custody is by no means ownership.

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The car is still yours, but held in custody by the Police while they investigate an issue they must have.

 

The Police can only release the car to bailiffs following the bailiff providing proof they are certified by the courts and following a court order. Challenge the Police to make sure that they check the basis on which the bailiff is operating.

We could do with some help from you.

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go to the police station TODAY ask for the duty inspector and don't leave until you speak with him. fir a car to be seized under PACE there has to be a lawful investigation or reasonable grounds that a criminal offence has been committed and the car is linked somehow to that offence.

 

There are other powers under SOCAP that are usually around documents, parking, obstruction issues.

 

it seems the police were helping the baillifs most probably for an easy solution to the problem they faced.

 

it was seized unlawfully in my opinion and the police will be charged storage for it- they will want rid asap.

 

without a court order the bailiffs have no right to the car, in any case it's a civil matter the police should only have been present to prevent s breach of the peace.

 

the duty inspector is duty bound to take your complaint, you will need all your docs to prove ownership and any

letters from the court etc.

 

the police don't want to get involved in civil issues they probably seized it to make their job easier however I think they had NO power to do so in this case. just my opinion having worked for both police and bailiffs previously.

 

the duty inspector TODAY is the key to get the car released to you.

I am fighting it all the way :-x

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thanks phaitun

 

some good points there but i did exactly what you said on friday and that is when they told me they had seized the car under PACE so i don't have much grounds for complaint there. Like I say my main concern is that they seemed to think it will be lawful for them to give my property to someone else.

 

but initially they told me and my solicitor they were seizing under civil law so have they committed any proceedral error that will enable me to get my car back sooner ?

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for a car to be seized as evidence under pace there has to be a criminal investigation. ask them what criminal offense is being investigated?, what grounds are there to seize the car? what evidence does the car provide in relation to that investigation? under what section of pace was the car seized? what officer seized it? this should be a formal complaint TODAY

I am fighting it all the way :-x

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it's a bit like the requirements of stop and search you MUST be told the grounds, otherwise it's a plain abuse of process/power and they are relying on your ignorance of the law.

 

You will probably get fobbed off PACE is quite clear and there are lots of payouts out of courto every year by uk police forces for exactly these kinds of scenarios

I am fighting it all the way :-x

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Nope. They still have to investigate and make sure what they are doing is legal. Thats why we told you to go over the heads of the regular officers.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I would like to provide a satisfactory response but it is difficult without knowing a bit more information.

 

Firstly, the warrant of execution is NOT issued by Northampton CC. Instead, the Traffic Enforcement Centre (part of Northampton CCBC ) give authority for the local authority to ISSUE the warrant.

 

Next, the warrant permits the bailiff to seize goods belonging to the debtor.

 

Do you know how many of the PCN are subject to warrants?

 

I am "assuming" that a bailiff visited you or located your vehicle by way of ANPR. Please confirm.

 

If the bailiff "seized" the vehicle then there is a legal obligation on that bailiff to provide a Form 7: Notice of Seizure of Goods & Inventory. Was this provided to you? If not....have the police or your solicitor requested a copy?

 

Have you seen a copy of he warrant of execution?

 

Please do NOT take this the wrong way and I apologise if I am wrong but I am "assuming" that a bailiff clamped the vehicle and somewhere along the line....the clamp was removed and the bailiff reported the car as "stolen". If I am wrong, I do apologise. If right, the police will need to be satisfied that the car was legally seized and that all of the documentation is in order.

 

Are you able to say which bailiff company is involved?

 

Is the car on finance and roughly how much is it worth?

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ok i'll try to tell you as much as i can but obviously as i am under investigation i have to be careful because i'm unsure what i can and can't say in public

 

i)there is 1 pcn subject to a judgement by n'hmpton county court but there are 2 more in the pipeline.

 

ii) the baliffs tried to seize my vehicle as i was getting into it outside my home address. They failed to identify themselves to me and up to this moment have failed to do so.

 

iii) i have had no Form 7 given to me or has it even been mentioned to me, the police (to my knowledge) or my solicitor.

 

iv) i have not seen a copy of the warrant of execution

 

v) during their attempt to seize the vehicle an alleged assault took place and an alleged incident of dangerous driving for which i have been arrested and am currently on police bail for (i deny alleged charges against me)

 

vi) the car was not clamped

 

vii) the company is bristow and sutor

 

viii) the car is not on finance and is worth around £4000.

 

it's all a bit of a mess really :-(

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As a matter of urgency your solicitor needs to ensure that he asks the police to confirm whether:

 

1) They have obtained evidence that the bailiff was certificated.

 

2) They have seen the Warrant of Execution. This is vitally important to ensure that the warrant is against the right person at the current address and that it has not expired

 

3) There is a LEGAL obligation for a bailiff to provide a Form 7 ( Notice of Seizure of Goods & Inventory).

 

4) You need to request a copy of the electronic Screen Shot of the account from the bailiff company.

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