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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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NRAM Posession Claim - 30th January 2014


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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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When someone tells you not to worry it falls on deaf ears but really no worries, read my post it's amazing that there is light at the end, your in a good position go out & fight them,

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