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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      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.

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Pepper UK/engage mortgage/Mars Capital - excessive unlawful fees reclaim+Eviction


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Hi, IMO it might well be worth having a go at them about the charges not fees they are penalty charges. For example: Are there consultant charges in there? these are usually around £90 each including VAT.

 

In your friends case the charges equal the arrears plus, they appear to have been included in the total arrears cliamed.

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hiya

 

underdog,,,,always fighting to the bitter end thanks for the support again:)

 

nevos - yes this is what we have Finally realised, i didnt until ell-enn pointed it out the huge figure included their solicitors fees, monthly arrears fees, and other charges they felt fit to charge!

 

when we broke it down it was just over half the figure in real time missed monthly mortgage payments which we have said is part of our dispute in not showing the true arrears amount...

 

;-)

 

i dont think we can do any more fingers crossed

 

thanks for the support

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hiya All,

 

Just like to say thanks to everyone for your input. Couldnt have got thid far without your guidance. Fingers crossed for tomorrow and il update as soon as I can.

 

Once again thanks

 

Laters survivor

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:-)hiya all

 

survivor will come on later but now asked me to update a bit of news

 

just dashing in for a moment to tell you partially good news, its been adjourned so that the other side can actually bring with them next time the correct figures about our dispute of the charges as the boy wonder didnt have anything

:-D

the judge clearly stated it was not good enough, even when he claimed the last payment was march, yet clearly we had receipts for up to date payments including april,,,:lol::lol::lol::lol:

 

we had a duty solicitor who was VERY IMPRESSED with what we got together with ALL your HElp COULD' nt have done it without you all

 

HUGE thanks especially Ell-enn, you are a True Angel, I bow to you

 

So im thinking now even though the mortgage company having been told by the judge to clarify and explain what the arrears and charges are and to obtain full explanation,

 

***** IM thinking should we request a SARS now (know its 40 days for them to supply info but it would show the judge we are looking at obtaining our info)

 

many thanks laters will catch up and thanks for your kind thoughts everyone

 

cheerioooooooooooooo angel and survivor

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Great stuff! (I love it when a judge is unimpressed with the other side:D)

 

When was the hearing adjourned till? Certainly send a SAR (by special or recorded delivery), if they haven't answered by the time of the hearing you can show the judge a copy of and proof of receipt. Keep making the payments also.

 

Ellx

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hiya Ell

 

 

many thanks

oh yes Judge not impressed at all with their law man.... kept on about saying we were trying to get out of the eviction, but he didnt have the paperwork to back up his statements and we had, love it when a plan comes together:lol::lol:

 

Dont know the date - wasnt given just told to expect a letter in the post and the duty solicitor was soooooooo impressed with our budget, and stuff, made life easy for our solicitor today

 

Yes will send sars Recorded delivery and keep our receipt for future use.

 

anyway im sure survivor will tell more later8)

 

just so very happy at the moment

 

have fun laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Well done, these agents that they send never have any information when they come to court. Fancy thinking that they could take a persons home on their own say so without any evidence whatsoever. it just shows the arrogance that they have.

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Hi All,

 

What a day and a v good one i might add. Had one of the best sleeps ever this afternoon woke up just after 11 tonight, I guess all the sleepless nites have caught up with me.

 

I asked Angel to update you all on todays proceeding, i guess the battle has just begun and we now need to collate all our financial history for the next round.

 

Sendind SARS letter off recorded delivery 2moro. Unsure when next date is but if I know the claimant it will be as soon as possible. Will keep u posted.

 

Thanks a million, laters survivor

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well done to you both :) i think you deserve a big hug

 

a question regarding your debts, now that you have done a budget, do you have any unsecured debt that your could reduce payments on via arrnagments or debt management to increase the protection on your mortgage payments,

 

ie if you had payments to a credit card you could write to them reduce the amounts and increase not just the payment to the mortgage but also show the judge that you have now prioritised your payments your mortgage.

 

cheers james

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hiya james

 

im sure suvivor will reply to you also directly, but thanks for your post from me personally

 

i know what you are saying, we have now sent the sars letter off to them, we are rather hoping now that the charges/fees etc will somehow reduce the arrears by half, that would be a huge relief but yes i take on board what you are saying about priorty debts over unsecured debts - but from what i recall from the budget there were no unsecured debts, but im sure survivor will answer that more correctly

 

its been a huge learning curve for me too,

i really am so livid at these sub prime companies that think they are above the law

- but also its scary that someone could have easily lost their home if they didnt know what we did this week

 

thanks for the support catch up laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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its scary that someone could have easily lost their home if they didnt know what we did this week

 

Lots of people do lose their homes Angel - simply because they don't know what to do. Only a small percentage of defendants turn up to their hearing in court and of course the lender gains possession by default:mad:

 

One of the people I was helping recently told me that there were 20 cases for possession listed on the same day as hers and the waiting room was full of legal reps, one of whom went in for 3 different hearings - no-one turned up for any of them and he was boasting to one of the other legals that he doubted if the 4th would be defended either!!

 

If I win the lottery tonight I'm putting a full page advert in every newspaper telling people where to get help at the last minute!

 

Ell

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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.

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hiya Ell

 

i hope you do win that lotto,,, and if i do too, will do the same i promise, when i went with survivor at the end of jan, there were 40 cases in our little town on that day , so yes i totally agree lots of people do not attend as they think its too late.

 

i just feel so angry now , this week, i was quietly confident what we had done was going to shake the hornets nest a bit, but for others who didnt get your help Ell i truely feel so sorry and scared that something really serious needs to happen to highlight this

 

there has to be another way surely

 

anyway off to do dinner and will come back later

 

catch up laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Just wanted to say VERY well done and hope that things get better from now on.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Hi everyone,

 

I'm not sure if anyone else has mentioned this on CAG yet but I'll post it anyway.

 

Shelter (the housing aid folks) have a legal website aimed mainly at debt advisors and is usually subscription only.

BUT they have a free 10 day trial on it.

 

 

You don't have to be a company and you don't have to give any payment details.

They ask for a password, username, email account and your name/address but you can get started without having to check your email.

 

Shelter Legal England - Home

 

It has lots of information all in one place about repossessions, case law, codes of conduct as well as legal obligations from lenders. It's got loads of links to relevant sections of law, the Mortgage Code and the FSA handbook.

 

It covers most legal subjects, not just housing or repossessions.

 

 

As a suggestion I think it's better that CAGgers don't all rush to try it out.

 

 

Stagger the applications otherwise once the 10 day trial has ended we won't have anyone left that is still able to look at it unless they have paid.

 

 

From what I've found it's access all areas and you can download from it unlike the usual limited access you have on trials on other sites.

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Hiya All,

 

I am now in receipt of letters from all parties.

 

Court Letter

*********

 

1. General Form of Judgement from the Court

 

IT IS ORDERED THAT

 

The application to suspend the warrant is adjourned to be heard on 18 May 2009 at 9.45am with a time estimate of 5 minutes.

 

The warrant of eviction is adjourned until the next hearing.

 

dated 22.4.09

 

=============================================

 

Solicitors Reply

***********

 

Confirmation of what happened at the hearing ie the DJ had ajourned the matter as the arrears were clearly in dispute and therefore she gave the Mortgage Company an opportunity to produce a breakdown of such arrears. We would now hear from the court (see above).

 

The solicitor advised that it is likely that unless the arrears had been in dispute that the DJ would have dismissed our application on the basis that we had previous agreements with your mortgage company which we had breached.

 

The MC will come well prepared next hearing thus we are being advised to do the same, and bring as much documentary evidence in support of our application as possible including info on the take away business and any info ref any offers in relation to any possible house sale.

 

As the solicitor only seen us briefly on that day, they were not able to advise if the proceedings against us had been properly issued in compliance with the requirements of Part 55 of the Civil Procedure Rules 1998 or otherwise.

 

====================================

 

Mortgage Company

++++++++++++++

 

Dated after the issue of the new court hearing. in responce to our fax

 

our proposal of 250 extra each month over the contractual payments has been declined as does not sufficiently address the arrears. they say currently arrears in region of 8000, if they were to accept they say it would take over 3 years to clear - in accordance with FSA TCP policy such extensive increase to an already un-affordable monthly payment merely exasperates the issue long term.

 

They now await news of the adjourned hearing, so they can provide the judge with a statement of payments and fees on the account since inception as was requested.

 

==================================

 

Sars reqeust received at the MC registered office now understand they have upto 40 days so now our concerns are

 

1. What will now happen at the adjournment date of 18.5.09???

 

2. Can we request that we also see sight of the documents being sent to the DJ at the court well before the 18th May?

 

3. do we need to defend further and how can we when we at the moment dont know what the true arrears are??

 

4. With them not accepting the 250 extra per month at the moment as we believe they are working on the figure of 8000 we hope this figure will be reduced to the nearer of the 4500 to 5000, therefore would then the 250.00 be more acceptable or can the judge rule more in our favour??

 

5. or can we keep promoting the Norgan Case in our defense and ask the judge to rule this as the final outcome therefore it may be even less than the 250 being offered.

 

6. We are not sure how if the proceedings against us were issued in compliance with the Part 55 of the Civil Procedure Rules 1998 or otherwise

 

We are really now not sure of the next things we need to do or how to get information from the MC before the hearing....

 

 

MAny thanks truely appreciate your further guidance

 

survivor and angel here with me today typing up as she is much faster at typing up ...

 

laters xx

Edited by survivor_13
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Good morning

 

just wanted to see for any updates as 18th is drawing near yikes

 

have a sunny day and will check in laters

 

many thanks for your continued assistance

 

angel on behalf of survivor:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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What was the date of your suspended repo? What documents were sent to you after the hearing in January and what did they say?

 

If it was judged in Jan/09 that you were to pay £100 + MP and you have strictly adhered to that then I can't see what grounds they could have unless it is an appeal by your lender or the judge specified in writing that.

you had a time limit to sell your house or settle the arrears.

 

If the mortgage is in your partners sole name they will only take into account what he can maintain and look at your case as having an interest. They need proof they can keep up the payments and it already seems you can prove the arrears figure is inflated.

 

Request from the lender that you want them to dislose all the documents they intend to use in court, they should provide them but if not then raise this at your next hearing and say you are still waiting for the information you need from them to further your case.

 

If in doubt you can always ring the court as the staff are usually helpful, although they can't give you legal advice, but will tell you what to expect and you can also ask them to make notes on your file prior to the case being heard. Tell them you have asked for information under a SAR and are still waiting for a reply and that you have asked the lender to supply anything they intend to use in court and you are waiting for a reply. Send this in written form for the attention of the judge to be added to your case and keep it updated rather than turning up on the day and expecting them to take notice of something suddenly put before them.

 

Can you afford the £250 in the long term? How long have you got left to pay off the mortgage? It seems that they are taking into account the arrears fees and interest that would accrue rather than clearing the actual arrears. You need to calculate if the Norgan case would work for you but keep it real as this will probably be your last chance to keep your home as the last thing you need is an eviction and a shortfall sale by the lender.

 

Your children are 11 and 4 so it would be a reasonable arguement to at least extend the repayment period until the youngest is 18 even if this is short of your full mortgage redemption date and not the remaining term as judged in the Norgan case.

 

Under part 55.10 you should have been notified, as an 'occupier'. All proceedings should have been listed along with their contact details and the registered proprietors of the property.

 

Just keep looking at all the paperwork and find as many mistakes as you can to question.

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Thanxs Crapstone,

 

I'll get letter drafted for the judges attention and enclose SAR's letter sent, postal order no. and special delivery receipt etc. I'l have this done ASAP.

 

I'l also keeping checking paperwork for any further errors etc. The mortgage company is really gunning for our property, they have helped us in no shape or form.

 

Also regarding hearing in jan 09 - the judge had given my partner 2 months to try and remortgage however in this financial climate it proved much harder than we expected so this failed. Hence why he dismissed in favour of the claimant, still wrong to do that, dont u think?

 

Thanks for your guidance will action all.

 

Enjoy your bank holiday weekend

 

 

 

Laters survivor:)

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Hiya Crapstone,

 

Angel1 and I will be drafting letter tomorrow eve to send to lender regarding sending documents that will be used in court on the 18th May and we are also sending letter to the judge as well. Any help with this would be greatly appreciated.

 

Regarding your first question - the repo hearing was on 26th Jan 09. Information was as below:-

 

*************************************

 

IT IS ORDERED THAT

 

1) The application is adjourned and be relisted on the first available date after 2 months on the following terms:-

 

a) the defendant do pay the current monthly instalment and

b) £100 per month off the arrears

c) The first payment to be made on or before 31 January 2009

d) Permission to the claimant to apply if any one payment is missed.

 

The warrant is suspended in the interim

 

Still searching for further errors and findind it very hard to decipher their figures the SARS would really help.

 

Thanks survivor

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