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    • look at the timeline in the poc carefully. the a/c was defaulted 30th april the A/C was not sold till 21st june, some 2mts later   I would suggest the £499 was refund of interest or charges or WHY from the OC, hence the different wording to the phantom £1 payment some further 6mts later they claim by you.   the MBNA SAR will most probably clarify the 1st part and should be arriving well in time for your bundle exchange   at that time 2012 -14 were you ever aware of what questioning a debt was all about ?? or were involved in any other debt whereby you used a CCA request etc or were in any kind of debt management etc etc.. we don't have old thread history to guess your background.        
    • get on to Lidl head office and the local press and lay it on with a trowel. Ask the council if there are any conditions in the planning consent that palce limits on parking times- many have a minimum of 2 or 3 hiours free parking and that cannot be changed arbitarily by either Lidl or the parking co. If there are conditions make a big fuss and tell Lidl that you will be going after the closure of their store if they dont tell Athena to wind their neck in   See the case of Tandridge and Caterham branch of Morrisons which was a Somerfield. In short 3 hours free parking  as a minimum, Morrisons chaged it by hiring parking cowboys who limited it to 1 hr when they took over the store and the council told them they would close the store for breach of planning consent if they didnt tell the parking co to do one. Parking co realised they would never make money like that so skulked off.
    • The POFA allows the parking co to create a KEERPER liability if certain conditions are net. POPLA have got the timings wrong as the parking co is allowed 12 days plus 2 days for service so they mut send out the NTK in time (28th) regardless of whether it drops on your doorstep within the 14 days. So they failed to create a keeper liability- this doesnt men that there wasnt a contract with the driver but they cant assume that the keeper and driver are one and the same but this has never stopped a parking co from persuing the person named by the DVLA even if the procsessing of your personal data is unlawful cos they ahve screwed up on their dates. tyhye just lie to the courts and hope.   The BPA will do nothing other than side with the person who pays their wages for the above reasons. they will waffle about assumed driver still a contract so someone ahs to pay and it will be you unless you name someone esle etc. All cobblers but they cant burst the bubble.   Better off saving ink and fighting the parking co if they want to start something but let them waste their time and money in the meanwhile. If the car aprk is local to you get some pictures of the entrance, the signs in there and piccies of any signsthat are different to the signage at the entrance. tell us about the event, the place, time what it is they said you did wrong etc
    • this is for the court claim one should be on your other thread please      
    • no, as numerous threads here regarding AP already shows, AP stays for anything upto 12yrs and kills the score and the account thus remains on file. a default notice should have been issued after the 3rd payment which did not meet the org payment terms of the signed agreement.   the ico is even down on record stating the same about this AP marker, it should not keep an account showing on credit files nor effect one's score whereby otherwise it would now have been removed or the score improved after 6yrs
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arghhhh

first plus secured loan case stayed since 2010 - how do i get the charge on home removed?

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Hi

we have been waiting for Firstplus to do something for a couple of years now and they have not,

 

this is after a protracted claim and counterclaim got struck out in 2011 (we have not paid them for 6 years now)

 

I am assuming that as they have not acted they cannot

 

The order is headed "general form of judgement or order"

 

and states "the matter be stayed with liberty to apply to restore by .

... in default of which the claim and counterclaim will be struck out without further order"

 

Can I apply to have the legal charge removed and if so how?

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I will try and find someone who can answer this for you.


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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.

 

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Hi, we need a little more information from you..

 

Can you please provide a full history of events that led up to this point and also the full content of the General Order you are referring to.


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Uploading documents to CAG ** Instructions **

 

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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

 

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

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Well it is a long story.

In 2009 Firstplus started proceedings to repossess our home due to arrears with a first hearing in Feb 2009. We had a lot of issues with the loan and engaged a firm of solicitors, to be fair the initial solicitor was very good and were it not for her we would likely of lost our home.

 

 

However as the case progressed she left and the firms litigation dept was taken over by another firm and then another and we transferred our case with them , eventually we told the last firm to get lost and sought to deal with things ourselves. This was in nov 2011, at which point I went to the court informed them and got a copy of te last order on the case.

 

 

Now our solicitors were unaware of this order, and we have outstanding issues with them, but that is a different matter.

Given that the first possession hearing had been held in feb 2009 and there was limited progress we were increasingly frustrated, and thought we would be able to get a deal we could either afford or at least manage in some way. However we discovered the order striking out the claim and counter, on informing Eversheds and inviting an offer to talk we made no progress.

 

 

The full general judgement or order read:-

By consent

It is ordered that

1)The trial window of 11th july 2011 to 29 july 2011 be vacated

2)The matter be stayed with liberty to restore by 16th Sep 2011, in default of which the claim and counterclaim be struck out without further order.

 

Dated 16 june 2011

 

Now I understand that after two weeks both partys would be deemed to be in position of this and that in any case three months notice is given.

In addition to this there was an application to vacate the trial date to which both sides agreed, but this had nothing that equates to the second part of the order. I therefore take the second part to be the court exercising its case management duty’s.

 

 

On this subject the court had allredy had to reschedule the trial date and issue instructions as to disclosure and the like, had issued at least one other unless order and dealt with our changes in representation as well as First plus ping ponging between Eversheds and Simmons&simmons, various procedural mishaps and a non show for a hearing from Firstplus.

Edited by citizenB
formatted for easier reading

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Thanks for this, I am sure someone will be along as soon as they can.

 

Please be a little patient, all caggers, including site team are volunteers. So whilst you might not receive an answer today.. your thread has been brought to the attention of those who may be able to help and they will look in as soon as they can :)


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

 

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

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I think you would have to approach the The Land Registry with regards to the charge.I assume this was a secured loan on your property hence the charge?

 

If thats the case the legal proceedings do not have any effect on the charge as it was placed at the time you entered the agreement.

 

Regards

 

Andy


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