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    • Hi all! I've now had a "final notification letter" through from ECP. I assume I should continue to ignore this, but is there likely any action I need to take? Do you need to see a copy of the letter? Thanks
    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
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House Sold near completion but repossesion hearing iminnent


adamski
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Hi,

 

I have sold my house due to being unable to pay mortgage wife leaving me etc, but I have about £9,000 in arrears it is only a couple of weeks away from completion but the lender wont wait and has issued repossession hearing in about 6 weeks time.

 

I could exchange contracts any day now advice on stopping the hearing please and what happens if the lender is paid off before hearing?

 

Thanks in advance for any help or advice

 

 

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Hi, you can defend the repossession claim by attending the hearing and showing the judge paperwork to prove the sale is going through (if it has not already completed before the hearing). Will the sale pay off the mortgage completely ?

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I think they just ignore anyone who says they have a buyer for their property as they hear it often.

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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.

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They know full well its near completion my solicitor has written to them and they have written back, there reasoning is based on no suitable arrangement is agreed and it might fall through even though they know the buyers are first time buyers with funds in place and no chain.

 

 

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If the house is already sold, they're going to look stupid in court. Once sold, make sure you send a recorded delivery letter advising their money will be forthcoming. The if they still go to court it will look really baf for them and you can ask for waisted costs

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and it is possible to exchange and complete on the same day, if both sides agree

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Thanks, I have pushed the solicitor the buyers solcitor is just finishing the final searches then we are ready to exchange I have already signed the contract and transfer deeds, now I have received court papers for the 16th june, guess I will defend and return the defences forms.

 

 

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Yes, do that. Even if you can't complete until the 16th June if contracts have been exchanged and you are due to complete on, say, the 25th June I can't see any judge giving them a repossession order.

 

However, as soon as your solicitor has exchanged he/she should write to them to let them know, give them the completion date, give an undertaking that they will be paid out of the proceeds of sale immediately completion has taken place, and ask them to cancel the hearing.

 

As goodatresearch says above, it won't look very good for them if they then continue to go to Court.

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When the dust settles on this, and if you feel up to it, do write to the Financial Conduct Authority and report your mortgage company.

 

 

I am guessing it is one of the sub-prime companies who don't listen to any dialogue and just push for repossession without taking other circumstances into account.

 

 

Under the terms of their regulation by The Financial Conduct Authority they are required to 'treat customers fairly'. Quite clearly they are not doing so in this case. Put in an official complaint, just defending it will cost them money (it will cost you nothing) and it will send out a message that these ignorant bully boys are acting well outside the terms of the required level of customer care.

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Thanks born this way I shall indeed do that I shall also chase them for all the £35 charges they have put on the account.

 

I have filed my defence and I have also requested an adjournment to allow the sale to go through smoothly, I have been in contact with the sub prime mortgage lenders solicitors and sent them a letter from the buyers solcitors stating a completion date and also the memorandum of sale.

 

 

 

I think I have all the bases covered or do you guys think I have missed something?

 

Thanks for all your help so far.

Edited by adamski
typo

 

 

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Tip top, got an email from the sub prime scumbags solicitors today to say the Court have adjourned this matter generally with liberty to restore and the hearing of 16 June 2014 has been vacated. so the hearing has been cancelled wonderfull, now I can breath and sell the bloody house!!

 

 

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  • 4 weeks later...
Tip top, got an email from the sub prime ******s solicitors today to say the Court have adjourned this matter generally with liberty to restore and the hearing of 16 June 2014 has been vacated. so the hearing has been cancelled wonderfull, now I can breath and sell the bloody house!!

 

Well done. I am not in a similar position although not yet passed to lender's solicitors and not yet fixed a court date. It sounds like the matter was adjourned even though you had not yet exchanged? Is that right? I have been speaking to my lender and they are basically saying that until exchange takes place and a completion date fixed for certain they basically don't care that the house is sold as might fall through.

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Hi, yes that is correct my lender took the same stance, my house has now been sold and completion is done, when I received the court summons I asked for it to be adjourned so the sale could proceed the court agreed, so the solicitors went back under their rock for a while, it gave me the time to breath and o sell the house, hold tight and good luck.

 

 

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