Jump to content


  • Tweets

  • Posts

    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Acenden repossession court order


indistress
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2777 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 350
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Indistress, you need to apply to the court to suspend the warrant for eviction. What date is the eviction set for? What are you able to offer as a payment arrangement?

 

Kind Regards

 

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

I recieved an eviction notice yesterday and I am trying to find all the help.

My eviction date is 10th July. For a secured loan.

I was in court in Nov 07 for a repossession order and they agreed for me to pay £100 extra per month, I paid it for a few month, then I went on the sick with postnatal depression and fell behind with the payments, I spoken to my my lender (prefered) on the 11th June and went through a budget sheet and they took my bank details to restart a direct debit, I offered on extra £100 on top of the original to clear off the arrears I caused. I heard nothing more from the compant till the 18th June I recieved a letter from the solicitors telling me they put on order in for eviction (letter dated 13th June). I phoned my lender up and they told me I had to pay £3700, I have been worrying about this as I have a 7 month old baby and a 12 year old, I am going to pay something on the 1st of July off my arrears but not the full amount :confused:

I have been reading to fill in a N244 form, will it be worth it? And are the judges lenient for homeowners to stay in their homes

 

Thanks S

Link to post
Share on other sites

If you are able to make an offer of payment each month towards the arrears I can see no reason why the court would not grant a further suspension. You need to fill in an N244 form and I can help you with that. You can download the form at Her Majesty's Courts Service - Home

Select Forms and Guidance from the menu on the left hand side and then enter N244 in the box. When you have downloaded the form let me know and I'll walk you through it. The most important part is Part C which is what the judge will use to make his decision.

 

Do you have a copy of the budget sheet you did for the lender? you will need to attach one to the N244 to show you can make the payments you are promising. The fact that you have 2 young children at home will carry a lot of weight with the judge, so try not to worry too much.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

I dont have a copy of the budget sheet i gave the lender :mad: but when I done it they wouldnt take in effect my husbands wages as he is not on the mortgage, but when we married I lost £800 per month (widows benefit and tax credits) is it worth putting housekeeping money down from my husband to give to the judge. Thats why Capstone have persued this as they dont think I can afford to pay it........

I am willing to pay £400 plus a months payment on the 1st, should I still go ahead and pay this? Even though they aske for the £3700 will they still take payment over the phone?

 

I have a N244 form. Do you think I should go to court with a representive ie solicitor

Link to post
Share on other sites

Hi, yes you should make the payment on the 1st July as this will look good to the court and show you are committed. You need to download a budget sheet here: National Debtline England & Wales | Personal Budget Sheet

 

tick monthly and Windows boxes.

 

You will see in the income section there is a box for partner's income. When you fill it in make sure you don't underestimate your expenditure - it's better to err on the high side in case things increase in the next few months, or you have an unexpected expense.

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Do you have a solicitor? it would be helpful if they accompanied you - if you can afford it.

 

I filled a budget sheet today as I went to CAB to see if I could get advice and I went prepared but they couldnt help

 

Why couldn't they help? :o

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Yes, will do - as usual.

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Hi there, if you give me 15 minutes or so I'll draft a statement for Part C of the form. Also, ring your local court in the morning and ask if they have any CAB representatives in attendance, a lot of courts do and they are invaluable - they will come in to the hearing with you and support you. Sometimes there are solicitors from law centres at courts too who will accompany you.

JonCris is right, it's unbelievable that CAB can't offer help with your situation and as he says ring another one in the area.

 

Back soon.

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Hi this is a draft of the text for Part C:

 

 

I respectfully request the court to consider the following when hearing the claim for possession.

 

 

  • The current arrears arose as a result of my being unable to work due to suffering post natal depression following the birth of my daughter.
  • A payment arrangement to clear the arrears was agreed with the lender by telephone on 11th June, following a review of my income and expenditure with them. Bank details were given in order to set up a new direct debit.

I was distressed to then receive a letter dated 13th June from the claimant’s solicitors advising that an eviction order had been sought.

 

  • I am confident that I can maintain my offer of £100 per month in addition to the normal monthly payment of £xxxx (please see affixed income and expenditure statement – Appendix 1).

When considering my offer of payment towards the arrears I respectfully ask the court to take into account the case of The Cheltenham & Gloucester V Norgan.

 

  • A payment of £xxxx which includes £400.00 (is this correct) towards the arrears will be made on 1st July 2008.
  • There are two children aged 7 months and 12 years resident in the property.
  • I assure the court that I am committed to reducing the arrears in order to maintain stability for my young family.

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

 

On the budget sheet write the claim number on the top left hand corner and Appendix 1 on the top right hand corner and staple to the N244. Make sure you take a photocopy of the form and attachment before taking it into the court.

 

Front page of the N244 - boxes top left:

1. you should tick at a hearing.

2. estimate time for hearing ...10 mins

3.isthis agreed by all parties. tick no

4. give dates of trial...no trial.

5.level of judge...district.

6.parties to be served...both..

 

 

Part A: cross out (we) then cross out other options to leave Defendant.

Cross out (a draft of which is attached)

that - suspends the order for eviction.

because - I am in a position to make regular payments to clear the arrears.

 

Part B : tick the box for evidence in Part C

 

When you have made the payment on 1st July make sure you have a receipt (bank statement etc), you can then take that to the court with you on the day to prove payment.

 

Any questions, just shout:)

 

 

 

 

Ooops, a couple of the paragraphs have moved to the left when I copied the text over into the post:

 

Paragraphs starting "I was distressed" and "When considering my offer" should sit under (in line with) the paras above them.

 

You can copy the text from the post and paste it into the N244 you have downloaded, you just need to print it out then.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Yes, put both. Sorry, I've just realised that the form has been changed in the last month,

 

2. Defendant

3. Suspend eviction order

4.No

5. At a hearing

6.10 minutes

7. No

8.District

9.Both

10. Evidence in box below

 

Ell-enn

 

In Part 10, if you can't fit all the text in the box (probably won't fit) put it on a separate sheet and write your name top right and case number top left.

 

Ell

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

10. You sign the statement of truth - so you chose

I Believe on first line

Applicant underneath signature,

then full name underneath that.

 

11. your signature

Applicant

your address details.

 

Ell

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

That's good - I'm sure it will be fine. I have been involved in helping people in a much worse situation than yours, and with much higher arrears, even on the day eviction was due to take place, and they have kept their homes. You have an income which will support the payments, and young children and it would be a very, very unusual for a judge to award possession in your circumstances.

 

Take the forms to the court as soon as you can and you should get a hearing within a few days - the court staff will probably give you a date there and then.

 

Stay positive - and stay in touch:)

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

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.

Link to post
Share on other sites

Sorry to read of your situation, but try to stay positive, Ell-enn is fab and you should follow all her advice. I have just been to court and thanks to Ell-enn was given a suspended order, however the judge said at the hearing if at anytime you cant keep up with the payments apply to the court for another hearing (n244) and they will look at reducing the payments. We dont have chilldren and as said by others if you are willing to try paying the judge will look more favourable at you then the money hungry banks etc. Keep your chin up and listern to Ell-enn (she knows what she is talking about)

 

Regards

 

Chris

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...