Jump to content


  • Tweets

  • Posts

    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
  • 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

LLoyds Repossession advice needed


gazbo34
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3938 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 guys and gals,

 

Just a quick bit of background info:-

 

Myself, my brother and sister bought our parents house 7 years ago,

they have both passed away now and i have been solely paying the mortgage for the last 2 years,

 

until the property is sold as it is up for sale.

 

Am self employed and due to a customer going bust on me in September

had arrears on the mortgage of about £6700 (approx 6 missed payments),

 

Just getting back on my feet and managed to pay £3300 last month off the arrears

as well as last months morgage payment of approx £1100

leaving about £3400 still in arrears.

 

About 2 days later I got a court summons from Eversheds for a re-possesion hearing at St Helens.

 

I have spoken to Eversheds and advised them of my situation and informed them that the property is up for sale

and offered them £1400 now and then an extra £200 a month on top of my mortgage payment for 10 months

 

and after going through my financials they have agreed and will confirm this in writing and present it to the court.

 

My problem is that I am away in Spain for 5 days for a wedding (Best Man) for the court date

so cant attend to clarify if this agreement would go down as a CCJ or not,

(Eversheds arent sure they are going to look into it!!!)

 

Can anyone advise me would this agreement be recorded as a CCJ ?

 

(As if so it would also penalise my brother and sister,Seems a bit harsh to CCJ 3 people for a 2K debt

for a property that is up for sale with approx £60 K of collateral in it .)

 

If this would be recorded as a CCJ then would i be able to get the court case delayed until I am able to attend ?

 

Any help gratefully received and thx in advance

 

Gazbo

Link to post
Share on other sites

Hi, responding to your S.O.S.

 

I am not very clued up on repossessions so will alert those on the site team who are.

 

When is the hearing date ? I am not sure if you can ask for an adjournment or not, but IMHO I would think it is important that either you or someone able to represent you is present at the hearing. Anyway, hold fire until I can get someone who knows about this stuff to look in on you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi there, have you completed the N11M defence form you should have received with the court claim?

When is the hearing date?

 

As far as I am aware, if a suspended possession is granted on payment terms then a money judgement (CCJ) is not entered, but suspended also. this usually means that if the property is repossessed and sold leaving a shortfall, the Claimant can ask for the CCJ to be granted and then enforce it to get the shortfall. However, I am not entirely sure about this and I am only going on the information I have seen on someone else's suspended possession order from the court. I will ask them to let me see it again.

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

Hi Ell-enn,

 

Am just in the process of filling in the N11M and the court date is the 18th July,

 

If you can find out more information on that suspended possession order it would be appreciated

 

Gazbo

Link to post
Share on other sites

If they have come to an agreement with you to repay the arrears over less than a year, they really ought to be foregoing the possession hearing.

 

You should be asking the judge to adjourn the proceedings on the basis that you have substantially reduced the arrears and have made and kept to an offer which the mortgagee has agreed to. Therefore the possession hearing could have been vacated. You should invite the judge to adjourn the hearing on terms of current monthly instalment plus £200 per month towards the arrears - pointing out that will clear the arrears within a year, and also pointing out that the property is up for sale, has equity in it, and the mortgagee will not be prejudiced by not having an order.

 

If you are worried about the money judgment affecting yours and your siblings credit files - the missed payments will already have done that. A money judgment becomes a county court judgment on the date the judge sets for payment. So if the judge gives an outirght order for 56 days and a money judgment for the full sum, on day 57 the money judgment becomes a CCJ. If a suspended order is granted - the money judgment is usually suspended on the same terms, so it does not become a CCJ until you miss payments and the date for possession has passed. (Even though the order is suspended, a date for the possession is still given by the judge.)

 

Forgot to add that you can ask the court to adjourn the hearing until your return. Make sure you file your defence and request 1. an adjournment on terms of CMI plus £200, or 2. In the alternative, an adjourment for you to return to the country to attend the hearing in person. Make sure you point out the things I mentioned above.

 

If your siblings are also on the mortgage, one of them could attend - though perhaps you don't want them to know?

Link to post
Share on other sites

Quick update,

Spoke to Eversheds on Friday and explained that I wasnt here for the hearing and wasnt happy that i would be missing it. I asked them would they agree to adjourn the hearing on the proviso that i paid them the agreed £1400 before the court case.After conferring with a colleague he told me that if i paid the agreed £1400 before the court date then because of the amount left outstanding they would cancel the hearing. I asked him if he could confirm this by email and was told that i would need to email them first giving consent for them to contact me by email and explaining what had been said in our conversation, which I did and below is a copy of the email sent to them:-

Eversheds LLP

Cardiff

YOUR REF: ***********

MORTGAGE ACCOUNT NO: ************

Dear Sirs,

This letter/E mail is to confirm the details of a conversation I had with **** earlier today re my mortgage arrears of £****.

In my call I explained to **** that I had already agreed a repayment plan with ******

(An initial payment of £1400 and then an extra £200 a month on top of my mortgage payments for 10 months) but that I was not able to make the repossession hearing due to being abroad at a wedding and I would ideally like to attend so could the hearing be adjourned to a date that I could attend.

After speaking to colleagues **** advised me that if I paid the pre agreed sum of £1400 , before the court hearing, leaving an outstanding balance of £2000 then because of the amount of the outstanding balance, Eversheds would cancel the court hearing and move forward with the arrangement as agreed i.e. £200 extra per month.

I agreed to this and said I would make the payment via card as soon as I could have the arrangement confirmed. Ian advised me to contact Eversheds via email with details of our conversation and due to data protection to give my consent to Eversheds to contact me via Email.

Please accept this email as my confirmation for Eversheds to contact me via Email in respect of the above mortgage account.

If you can confirm this agreement via Email to :- ******.co.uk as soon as possible as I am out of the country from Tuesday 16th July for 5 days, I will then make the agreed payment of £1400 to Eversheds and put in place a standing order for the increased monthly repayment.

If you require any further information, please do nor hesitate to contact me either by mobile 07***** or by the above email.

Yours Faithfully

So that was what I sent to Eversheds and here is their reply :-

Dear Sir

We write in reference to your recent correspondence, the contents of which have been duly noted.

We have updated our file with your details and have forwarded to our client.

If you have any queries, please contact our offices on the number provided.

Yours faithfully

Eversheds LLP

Am going to make the agreed payment of £1400 tomorrow anyway but their email doesnt exactly say they agree to what I stated in my email ie cancelling the hearing

 

Any thoughts on this any one ?

 

Gazbo

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...