Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • 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

Lloyds - repossession likely


Frantic50
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2338 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

Hi there

 

I have today received court papers for possession of our home and really need some help.

 

A brief outline of the story so far :

 

In 2011 took out a business loan for £143K (£12K of which was an EFG loan) secured on residential property.

 

Business closed in 2012.

Lots of issues with Lloyds including the fact they claimed back the EFG and also have tried to claim it back from me.

 

Repossessed the commercial property which was the 1st charge and as a result of 'fire sale' was left with a short fall of £100K which they are now claiming against the house.

 

Statements sent have been incorrect i.e. saying we owe more than we do etc, etc

 

There are too many issues to list but subsequently we have been fighting this for five years.

However, received the papers and just want to check a few things as never been through this before.

 

A set of papers have been sent to both me and my partner who is on the joint mortage.

 

There is a defence form (N11M).

Do we both fill one of these in ?

The information will be the same as it is about income/expenditure etc.

 

Do we send this form back to the court prior to the date of the hearing ?

I assume we do otherwise the court will not be aware of the issues we have had.

 

Also, can we add additional pages to the document as the space provided to fill in with information is very small.

 

The times for the hearing are different for me and my partner.

I'm in at 12.00 and she's in at 12.20.

I pressume we go in together as it is a joint mortgage.

So I am a bit confused by this.

 

Also, the paperwork submitted by Lloyds says

"this mortgage is of an all monies nature" which I was unaware of.

 

I have also read on various threads that this is a big problem and courts are powerless when it comes to negotiating any repayment.

 

If anyone can help answer any of these questions I would be most grateful.

Link to post
Share on other sites

sorry no-ones helped yet

repo is not my bag as such

why have you both got to do forms?

 

 

is this a joint debt

and do you both joint own the property?

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... 

Link to post
Share on other sites

Sneaky......all-monies-clause

 

https://www.mortgagestrategy.co.uk/issues/9-may-2005/all-monies-clause-should-be-made-clear-to-borrowers/

 

Certain lenders have such a clause and, where this exists, the mortgage secures not just the amount your client borrows now, but also any other sum that any person signing the mortgage comes to owe to the lender in whatever manner, at whatever time and at whatever branch, and with or without the other party’s knowledge or consent. These are really sneaky clauses – great from a lender’s perspective because they effectively convert unsecured borrowings such as personal loans, credit cards and overdrafts into secured debt but bad news for borrowers who have little idea that their potential liability has been widely extended

 

The following link may be of interest

 

http://www.lexology.com/library/detail.aspx?g=690382cd-a5fd-47dd-8ceb-4cd231738395

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Thanks for that Andy. Sneaky ! .... you can say that again. Had no idea this was an 'all monies' loan. Didn't even know what that was until the last couple of days. Our local Council Housing Advice Team have advised that a court can do nothing else other than grant a repossession when an 'all monies' mortgage is involved. Do you know if that is the case ??

Link to post
Share on other sites

Not if the loan was in your name only...they can only consider your share of equity on a joint mortgaged property.Please tell me the mortgage is not held with Lloyds also?

 

You state you have both been served papers,,,did your wife sign the EFG ( Enterprise Finance Guarantee ) loan also?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy

 

The business loan was only in my name. As was the EFG. My wife signed the document allowing for the house to be used as security as the residential mortgage is in both our names. And yes, sorry to say mortgage is with Lloyds. Was Cheltenham and Gloucester (which I believe was Lloyds in some guise or another).

Link to post
Share on other sites

Is it possible to scan in and upload the claim form (redacted) ?

 

A copy of the Loan agreement if you have it.

 

What type of EFG Loan?

 

What dates are we working towards with regards to submitting the N11M

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

5. THE GOVERNMENT GUARANTEE

 

By providing lenders with a government-backed guarantee for 75% of the value of each individual loan, subject to a cap on the total exposure across a lender’s annual portfolio of EFG-backed lending, government and lenders share the risk and facilitate lending that would otherwise not take place. The guarantee provides protection to the lender in the event of default by the borrower – it is not insurance for the borrower in the event of their inability to repay the loan. As with any other commercial transaction, the borrower is responsible for repayment of 100% of the EFG facility. The 75% guarantee to the lender does not mean that the borrower is only liable for 25% of the debt. Where defaults occur, the lender is obliged to follow their standard commercial recovery procedures, including the realisation of any security held and calling upon any personal guarantees which may have been provided, before they make a claim against the government guarantee. The interest rate charged and any other fees and charges applied to the loan are commercial matters for the lender. In addition to the costs and fees charged by the lender, businesses supported under EFG are required to pay a 2% annual premium which partially covers the cost of providing the guarantee. The premium is assessed and collected quarterly in advance throughout the life of the loan based on the outstanding capital balance of the loan (for invoice finance and overdraft guarantees the premium is assessed on the agreed facility limit). The borrower is provided with a premium schedule by the lender as part of their loan documentation and collection is made by Direct Debit under the description ‘BIS LOAN GUARANTEE’.

 

6. SECURITY AND PERSONAL GUARANTEES

 

Under EFG, lenders are entitled to take security, including personal guarantees. This is standard commercial practice and an established mechanism for ensuring a degree of personal commitment to repayment of the loan by individuals with a beneficial interest in the business. The only exception from normal commercial practice is that lenders are expressly prohibited from taking a charge over a principal private residence of a borrower or guarantor as security for an EFG facility. In EFG this means there is a three-way risk sharing between borrower, lender and the government. The extent of any security or guarantee taken is a commercial matter for the lender, but any security taken applies to the debt as a whole and may not be attributed solely or preferentially to cover the 25% of the EFG loan not covered by the government guarantee. The borrower always remains liable for repayment of 100% of the loan and, in the event of a default, any remaining loss faced by the lender after recoveries will be borne between government and lender in the ratio 75:25. EFG should not be seen by borrowers or their advisers as a mechanism for putting personal assets beyond consideration. If the lender refuses to offer EFG on the basis that the borrower had access to security which they were not prepared to put forward, then the lender’s decision would be fully supported by BIS.

 

http://british-business-bank.co.uk/ourpartners/supporting-business-loans-enterprise-finance-guarantee/understanding-enterprise-finance-guarantee/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

I'll see what I can do. Not the most computer savy person but I'll see if I can do it. Are there any instructions on here somewhere telling how to do it? I have a copy of the claim form (quite a big document) and the loan agreement. Not sure what you mean by type of EFG Loan Andy. When we took out the loan the equity etc we had would only allow the bank to lend us £133K. We needed £144K. We were then offered the £11K difference as an EFG.

 

When it all went belly up they claimed this back from BIS but still tried to get it from me. Also, different things I have read says that they can not use residential property as security for an EFG so not sure where we stand with that as the EFG element did not cover all the money.

 

Regarding the N11M. The court date is 24 July. To be honest, started filling them in (wife and I both have one) however finding some questions really difficult to answer.

 

I doubt I'll get to sort out the scanning of the documents tonight. Need to sort some domestic/kids stuff out but will give it a try tomorrow.

 

Cheers Andy

Link to post
Share on other sites

follow the upload

 

 

try and make multipage PDFs

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... 

Link to post
Share on other sites

Ah okay so the bulk was not through the EFG..only 11K...so a mixture of agreements or all in one agreement?

 

No problems scan when your ready but be aware the clock is ticking if you require assistance with the N11M

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Two separate agreements. I think if it had all been through an EFG we may have been reasonably safe regarding the house. Not sure where we stand with it only being a relatively small %. Thanks for all your assistance tonight. Really appreciate it.

Link to post
Share on other sites

Scan both agreements when you get chance...lets have a go at this " All Monies " clause..that I assume is in the £133K agreement ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy. Attempted to scan docs in today but my antiquated scanner just wasn't up to the job. I'm taking it to work to do it first thing. Sorry to sound an idiot but not sure what I do once I've got it all scanned in and how I get it to you.

Link to post
Share on other sites

Many thanks Frantic...I will peruse them tonight

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Just a quick question for anyone who may be able to advise.

 

In short we have a possession hearing on 24 July due to a business loan debt.

 

During all our dealings with the bank over this issue we have not been sent any form of statement since February 2014.

 

In the court papers there are two amounts owing stated.

 

One is in a letter from November 2016 and states £97K.

In the claim document is states £87K.

 

I want to ask them for an up to date statement so I know what's going on

but I wonder if I may have some small advantage in court if I can say that I do not agree with the amount owed as there appear to be discrepancies and I have not received any statements.

 

Not sure what's best.

 

Any opinions ??

Link to post
Share on other sites

I wouldnt wait until the day but get a demand for clarity sent to the claimant and a coy to court.

If you have any comparative figures of your own then use them as well to create an impression that their numbers are wrong and thus soother things could be

Link to post
Share on other sites

Hi Frantic...apologies..I have not forgot you ...will post some information tomorrow.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi all. Don't know if anyone can answer this? Just had yet more documents for the hearing on 24 July. This is a Witness Statement from the Banks' solicitors which it says it intends to rely on at the hearing. In it it says :

 

I respectfully ask the court that :

 

13. The Defendants deliver to the Bank vacant possession the Property within 28 days of the

order; and

 

13.1 The Bank's claim for money judgement against the First Defendant be adjourned generally

with liberty to restore.

 

Anyone know what 13.1 actually means ?

Link to post
Share on other sites

One liners are of no assistance Frantic...can you scan and post the full order redacted ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...