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    • An update to this case as I’ve not been on in a while.    I am still awaiting a charging decision in the case. The two police officers involved have said their personal belief is a section 47 ABH charge is the most likely outcome but this isn’t a sure thing of course.    The EA certificate from the issuing court has now lapsed. The court have refused to recertify him until they’ve had a hearing in to the case, and the district judge has issued orders to surrender all evidence, footage, photos etc.    I have done so promptly.    the EA, not so much . Equita have claimed they cannot provide his bodycam footage as the camera he was wearing is the EA personal one not one of theirs.   the EA has claimed he has asked Equita and the police for the footage as he claims he doesn’t have it.    the police have confirmed they didn’t seize his camera and they don’t have it.    so they are basically pointing the finger at each other all the while failing to comply with the district judges order to provide all evidence they intend to rely on at the rescheduled hearing.    The district judge has stated the hearing for his certification will NOT be the hearing for my complaint as there is no charge as of yet, and just as to whether he should be recertified or not.    I’m not 100% on why that can’t be done at the time, but I’m not about to question a judge…..      
    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
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GE Money underhanded repossession


umvubu
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Hi ell enn

Sorry for sending this directly but not too sure how to start a thread

 

Let me start from the beginning back in Dec 2008 I was made redundant and missed payments to GE Money (unfortunately I have my mortgage through these people), they hounded me constantly with phone calls over the 4months I was out of work, however I always explained my position. I was offered a job within a few weeks but failed the medical due to high blood pressure so medication took 3 months to work. But I started in March.

They said that they would go to court for possession of my house this was standard procedure( this was in May after I started work) they also said if I paid an agreed amount then this would not happen.

I foolishly believed them and about 4 days before the court hearing I received the court papers, i Phoned again they said I did not have to attend as I had stuck to my agreement. (Foolish me).so I now have a suspended order on my house

 

I now have fallen behind again since this lovely government has stopped my children's tax credits all 500,00 pound a month, I now owe 2900.00

and they are threatening repossession again.

 

I had previously complained about their bank charges and they offered a refund which was short all the interest they charged and survey fees and such, and I have a ppi claim in process with the FOS which they denie is their doing. I refused the offer but they paid the amount into my account anyway so I requested and received a Dsar.

 

Reading through the dsar in the phone conversations it actually says that they told me it would not go to court!!. I also have a letter dated one month after the court case stating that they were going to apply for suspended order?(June 09)

 

After reading many of your posts I have sent them a statement of intended payments and the budget sheet, they are not accepting my offer and are going to proceed with the repossession.

 

Could you please help me with the n244 form do you think I should mention about the underhanded way they got the suspended order the first time round

As I have proof this happened, also the charges and ppi

 

Sorry for the war and piece

regards Umvubu

 

ps. i have not had a warrant yet just the threatening letter from GE

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Hi there, it's best to wait for the eviction notice as the fee for the N244 with them be £45 instead of £90. Do you have a copy of the letter you sent offering payment and have they refused your offer in writing?

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OK, in the meantime make copies of your letter offering payment + budget sheet and also a copy of the SAR information stating they told you it would not go to court - you will need to affix these to the N244. Once you have the eviction notice we can start on completion of the N244.

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Ok Ell enn

 

also noticed a letter from June stating that my monthly mortgage payments have increased as they have

added £2294.92 in fees to my account. for saying they reimbursed me my fees end of last year (without my permission as i deemed the figure inaccurate) i would like to know how much they charge!!

 

i have all copies you have mentioned, but i still worry.

these are very nasty people to deal with and i dont think they know what they

are doing which makes this all very confusing.

 

but thank you for your help and advice

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Hi all

I have received 2 letters today one from simply law stating they are applying for a warrant for possession, this law firm resides at the same address as GE Money.

 

A second letter from GE Money refusing my offer as we have not stuck to the agreed payments and they have tried 59 times to set up a payment scheme also that we did not clear the original amount agreed by the judge in 2009 (that will be the court case I was told would not go ahead)

 

I have missed slot of payments over the years but then again I have made a lot of extra payments over the years the amount of arrears hardly goes down with all the charges and interest added on.

They want me to phone them to discuss my options, yet they have refused my offer and have told me they will only accept full payment of 2900ish so what's to discuss

 

I am sure I paid enough payments to clear the balance in 2009 can they take my payments for charges and interest first?

 

Your help would be much appreciated

Do I reply to the solicitors?

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Hi, I'm busy today with family etc but can catch up with you tomorrow. In the meantime have a read of my guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession where you can download the N244 form and budget sheet (second post of the thread) and also see examples of how to fill in the form and write a statement to go with Q10.

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hi all

 

do i mention on the N244, that the last time i was taken to court i was told there was no need to attend by

Ge money? as i had an arrangement with them.

my payments have not been regular and i am behind by about 2650.00 also i have evidence

they have been putting charges directly onto my mortgage increasing the total every month i believe this

is not allowed.

i lost my childrens tax credit last year and phoned and asked for a mortgage holiday or interest only payments

and they refused on both evidence on that too.

 

do i use all this as i do not want to bombard the judge?

 

thanks

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What are you saying to convince the judge that you can now afford the normal monthy payment plus an amount towards the arrears?

 

You say they have added the charges to your mortgage? do you mean the monthly payment or the total outstanding mortgage ?

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

 

 

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hi again

i was thinking of explaining that the sudden loss of our children's tax credits (6K per year) has hit us hard and that

i did phone GE to ask for a break or interest only, they said no.

fortunately my daughter has started full time work and can pay £100 per week to contribute.

i did send a budget sheet to GE offering extra £150 ontop of normal payments and i have paid an extra £250 this month

but they have refused.

 

could you please advise how i should word this on the N244 form.

many thanks

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Hi, did you read the information in the link I gave you in a previous post - it shows how to set out a statement to go with Q.10 of the N244 http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession#

 

I am at work at the moment but will try and look back in later.

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Yes I did read it very helpful

I have submitted the form today explaining that I can make contractual mortgage payments

Plus additional payments, I have included the letter of offer and budget sheet along with Ge

Refusal letter.

Have also explained that loss of tax credits is the reason for falling behind

And finally that my daughter is now in full time employment and is contributing towards her keep.

 

Helpfully the judge will side with me but must admit a bit concerned at the moment

If things seem to be going wrong during the hearing can I ask for time to sell my house

Instead of being evicted?

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How much did you pay for the application ?

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Received a letter from GE today saying to make sure I leave a forwarding address for when

They sell my house and to make sure all my furniture is removed.

And if pay a large lump sum and arrange additional payments they may still consider

Calling off the bailiffs.

But I'm guessing they are lying again so that I do not proceed with the n244 hearing

What do you all think

Not got the hearing date yet any idea how long it should take?

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Did they not give you a hearing date when you took the N244 to the court ?

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Did you quote the Norgan case law in your N244 statement ?

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Yes, on page 11 of the guide I gave you the link to there is an explanation of the Norgan case law http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession and on page 16 is an example of how to set out the statement to go with the N244 - did you read the guide before completing the N244?

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

 

 

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Hi Ell-Enn

after reading through your guide i have covered all the areas except referring to the Norgen case

 

i mentioned that i had made an offer of repayment for arrears (letter and budget sheet attached along with GE refusal to my offer)

an explanation of how we fell behind (childrens tax stopped) should i take evidence of this?

told how we have 4 children in our house 2 on the partially sighted register

and finally said how we we told told there was no need to attend the original hearing in 2009 as i was back in work

and that they were not going to proceed with it (phone conversation evidence attached)

 

i will take a copy of the Norgen reference with me next week

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