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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Santander Mortgage SPO - they want to evict now


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credit file was bad - I did fib a little though in the income and expenses, it only asked for my contribution to household and so one - not good I know.

 

Payment to PDL already gone about 2 weeks ago so won't be able to reverse , and with the other stuff that happened re car I couldn't cover the full payment now anyway.

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:doh:seriously thought you of all people would have been the last person to use PDL's...

 

has anyone ever told you this...

you've a big enough hole already man..

 

throw the shovel out the hole

climb out

pick the shovel up

and start filling it back in quick.

 

while we're at it

we'll come over and jump up and down on it to pack it down and take out our frustration to stop you digging it again......:lol::lol::lol:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:-) Yep Dx, youbare right I'm a complete idiot! Desperate times etc. I am desperate to get out of the circle of cheap believe me!

 

Sorry typing on my phone and it auto corrects to total rubbish sometimes.

 

I don't know what to do. Please help. I might be able to pay about £300 I think. At least it's something??

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How much should you be paying to the mortgage ?

 

 

What date do you next get paid from work ?

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Sorry typing on my phone and it auto corrects to total rubbish sometimes.

 

I don't know what to do. Please help. I might be able to pay about £300 I think. At least it's something??

 

Hopefully with the guys' guidance you can look at your priority debts and organise things so that you can keep paying the mortgage.

 

HB

Illegitimi non carborundum

 

 

 

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I think you need to bite the bullet (again) and ring them - hopefully you will be able to come to an arrangement - if not you will probably need to defend other eviction ..........

 

 

You say you pay £1500 - how much is the actual mortgage payment ?

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Hi Ell-Enn, ok things have changed slightly.

 

Got a letter from the solicitors for Santander (pretty quick this time!) Hubby got paid the other day and the only thing that had not been paid out yet was our payment for our secured loan, so possibly stupidly I have used that to pay the mortgage, along with whatever I had left in our account, just about made up to the right amount.

 

Obviously it now means that I have robbed Peter to pay Paul and I'm sure I will get a letter from my secured loan company.

 

The payment to them is £900.

 

in a precarious position with them too where we have missed payments. (I have other threads on them) so I now need to deal with them.

 

Any help would be great.

 

I cannot call them, as I have refused to speak to them on the phone due to previous conversations being unrecorded and then used against me. I have also recently told them not to call me as they suddenly started calling me at work - which I was very upset about.

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So are you paying £600 off the arrears each month ?

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So are you paying £600 off the arrears each month ?

 

Hi Ell-enn,

 

Not sure that you've understood my last post.

 

I have made the payment for my mortgage by using the payment that was due to my secured loan company and anything I had left in my account.

 

My mortgage payment is £1500, my payment for secured loan is £900.

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Perhaps you didn't see post 83 ? I asked how much of the £1,500 is the actual mortgage payment.

 

 

I assumed your response of £900 in post 84 was in answer to my question.................

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Perhaps you didn't see post 83 ? I asked how much of the £1,500 is the actual mortgage payment.

 

 

I assumed your response of £900 in post 84 was in answer to my question.................

 

 

Sorry Ell-Enn, must have missed that. :-(

 

The actual mortgage payment is around £1432 (I think - haven't got the exact amount in front of me) I pay £68 on top for arrears.

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Can you actually really afford the mortgage and the secured loan?? - that's £2,400 every month.....

 

 

Is there any equity in the property ?

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We can, we both work. but there's been a lot happening in the last few years which have made it very hard.

 

the last few months being the worst what with father in laws death, funeral - car repair etc.

 

We do have equity in the property but are on fix deal till next year, so if we sell now we will have an indemnity payment of about £15,000. we want to hang on and re-mortgage to clear the secured loan and anything else we have.

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Given the repossession and eviction action you have had on your mortgage I think you might struggle to re-mortgage at an affordable rate, but I guess you'll just have to wait and see.

 

 

What did the solicitors letter say - did it give you a date by which to make the missing payment ?

 

 

What date is the secured loan due ?

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yeah we're waiting to see - if not we will sell I suppose, but we've been told we should be able to re-mortgage at maybe not the best rate but better than the one we fixed at hopefully.

 

The solicitors letter said to make the missing payment within 7 days.

 

The secured loan due date was 28th April

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OK, so you have made the payment within the 7 days so that should sort that out.

 

 

Re the secured loan :-

How many payments have you missed ?

Have there been repossession proceedings ?

Are you making payments towards arrears - if so how much ?

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

 

 

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Have missed a few payments in the past (I am not sure how many) I think the arrears are about £11,000.

 

Yes there have been possession proceedings, they have a suspended possession order .

 

I am making payments toward the arrear - £67 per month.

 

This is complicated though. the company are as corrupt as they come - I was taken to court for possession and in that process I fought against the unfair clause in their contract and partially won, in that the loan was originally variable but mine is now fixed at the rate it was when it started.

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OK I guess you'll just have to wait and see what the secured company do (if anything), but make sure you keep the main mortgage payments up to date.

 

When was the suspended order on the secured loan ?

Help us to keep on helping

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

 

 

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Hi Ell-enn - so sorry it took me so long, the suspended order was made in Jan 2014.

 

 

I think the secured loan Co will write to me and try to intimidate me,

I'm not sure they'll go as far as court after last time but I can't be sure,

it does depend on other customers court cases which are coming up soon.

 

Do you think I should write to the secured loan Co and explain anyway?

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  • 2 weeks later...

well the secured loan co have been in touch, saying I need make payment or contact them within 10 days.

 

 

I am stressing - I don't' have and I obviously don't want to take out a loan - I don't think I could anyway.

 

 

I only did the last one as I was being hounded by my late father in laws Housing association over arrears on his rent, and other things that were left behind when he died. any help please

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why are or did you pay your FiL's debt... nothing to do with you!!

 

 

............

 

 

whos this fleecing secured loan co then?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't know, I was just getting into such a state with them saying that he owed it, he was getting housing benefit too and they started writing to me about an overpayment, just got into a panic over it, I'm stresses - husband stressed, kids stressed - just had enough!

 

secured loan are Elderbridge (formerly first plus - I have other threads on my battle with them!!)

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then keep to that thread for that one then.

 

 

so whats happening with this threads problem the mortgage?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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