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    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
    • Just to clarify - I make use of evening legal clinics. It is not always possible to see a lawyer (they have limited time and days/week).  This means questions one has may never get answered or there's weeks between follow-ups.   To be really clear - I am representing myself; I am playing at being lawyer/ barrister - which means I take help wherever I can get it (and then research it thoroughly). Ae - a judge in a recent hearing pointed out the receiver is not part of my current proceedings - and suggested I have a separate claim v the receiver. Disclosure has presented damning evidence v the receiver  The receiver against whom I have a complaint is not part of the receiver governing body.   The receivership is in 2 names - a joint one.  My complaint is directed at whom I was told is the lead receiver.  The other named receiver IS a member of the governing body.  But he has now left the company.  And the lead receiver has retired - but is still a working consultant on my case.   All the evidence shows it was the 'lead' receiver who was doing all the  work/ the misbehaviour.   But if the appointment was 'joint' would I make a complaint against them both?    I am sure that wouldn't go down well with the other receiver who is at the beginning of his career. The law is very much against borrowers.   But the evidence against this receivership is crystal clear.   I just don't know how and to whom to complain.   The places I've tried so far don't offer much transparency       
    • Ok, noted, thanks again. I'll share details of every communication received just to make sure.
    • Yes. I sent back the PAP form stating they hadnt supplied the correct paperwork and that pdf is what they sent back
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NRAM Posession Claim - 30th January 2014


Candycravings
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HI,

 

Looking for some advice/guidance.....

 

Have fallen into arrears with NRAM mortgage. We are approximately £3600 in arrears (which was £5600 until I paid £2000 today). The arrears now equates to 3 months.

 

We fell into arrears last year about June, then made a payment of £2000 off the arrears and made an arrangement with NRAM to clear arrears and to be fair they were quite helpful.

 

I fell back into arrears as I have lots going on and think I may be losing the plot. My wife had an accident in work in 2008, she spent a period of time recuperating, but couldn't go back to her job as she wasn't well enough. She then descended into severe depression from early 2010. She was prescribed treatment but her depression got a lot worse (2011/2012) and ended up being admitted to hospital for 2 months when some terrible things happened. This was a terrible time.

 

IN all this time I held down my pressured job, we lost my wifes decent salary on which our mortgage was based, I kept the house and the bills going, but made arrangements with unsecured debtors.

 

I am struggling to keep on top of things, stuff seems to drift and to have one more complication really takes its toll on me. Not looking for sympathy here just telling it as it is.

 

The last NRAM arrangement (November) I just let drift even though I had the money in the bank all because I asked them to set up a direct debit so I didn't have to think about, but they refused and not sure why.

 

Have today received a letter for a possession claim with a hearing date of 30th January. I phoned NRAM and resurrected the payment plan to clear arrears and this time they were willing to set up the direct debit....grrrr

 

I cannot bear to think about adding anymore complications into my life right now, my wife needs me to be there for her and so does my job and I don't want her to worry about anything. I do need to make sure there is no further instability in her life as she could easily go back to the awful place she has been.

 

Sorry don't mean to moan. Anyway any help would be appreciated.

 

Kind regards.

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Sorry should mention that we have about 17 years left on the mortgage. We are paying £5 off the unsecured element with the remainder of the income following the completion of income and expenditure exercise today. We are paying £260 off the arrears each month which is pretty much everything.

 

The income and expenditure also included my wifes DLA payment which I am sure should not have been in there.

Edited by Candycravings
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Hello there. I'm sorry that this has got so difficult for you.

 

I expect the forum guys and gals will be along over the course of the day, I'm sure they will be able to suggest a way to deal with this. :)

 

I'll keep an eye on this thread and send a couple of SOSs if you don't have replies later on.

 

HB

Illegitimi non carborundum

 

 

 

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Thanks HB. I do need to get to grips with myself. I am a grown man. I just need some respite, it's never ending.

 

The guys on this forum are brilliant and should receive funding. The advice and support is always fab. I did donate a small amount of money a couple of years ago just wish it could have been more.

 

There is no telling the amount of lives this forum may have saved.

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Hi Candycravings,

 

You'll get help from the experts later in the day.

 

In the meantime have a read of Ell-enn's guide:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

 

Always make the mortgage your priority. If you need to cut your payments for any unsecured debts you must do this. Credit card companies always try to pressurise you into paying more than you can afford, but really they have to take what you can realistically pay, and they are well aware of that. Keeping your home is much more important.

 

DD

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Hello there,

 

Do read Ell-enn's guide, it's very good.

 

A court is only likely to grant outright possession to a lender where you are unable to pay the mortgage plus a tiny bit extra towards the arrears each month. There is caselaw (Cheltenham & Gloucester v Norgan) which reinforces the rule that your arrears *could* be cleared over the duration of the remaining mortgage term. You may well be able to offer less than £250 each month if you're struggling to find that amount of money each month. If you're able to clear the arrears over a faster period then that should go in your favour - its important, though, that you do not offer more than you can genuninely pay. Take a copy of your financial statement along with you to the hearing.

 

You *DO NOT* have to include the DLA in your budget (unless you really want to).

 

Our guide on mortgage arrears can be found here: http://www.nationaldebtline.co.uk/england_wales/guide.php?page=guide-mortgage-arrears

 

If you can pay a little towards the arrears the court are likely to grant a 'suspended possession order' - this means that both parties are bound by the order, as such NRAM should not take any further action unless you breach the payment arrangement.

 

As DD mentions above, if you have to reduce your non-priority credit payments to free up money to put towards the mortgage you should take that approach.

 

ANy further questions please feel free to ask.

 

Best wishes,

 

David @ NDL.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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