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    • 1. BREAKDOWN OF LOAN Amount of Loan : £20,000.00 Loan Terms : 10 Years Monthly Repayments : £230.00 A.P.R (interest %) : 6.35% (FIXED) Note: - We want to confirm you that your loan amount is completely approved by our company for the amount of £20,000.00.So,for you to get this loan sorted you have to go through a credibility check and you are requested to pay your first month installment in advance which is for the month of March. Your second monthly installment will be due in month of April by direct debit. Once you can make the payment of £230.00, you will receive the loan amount of £20,000.00 in your bank account within 45 minutes. 2. RESPONSIBILITY Although this agreement may be signed below by more than one person, Borrower understands that we are each as individual responsible for paying back the full amount. 3. REPAYMENT The Borrower will pay every month through direct debit. There would direct debit mandate which we will ask the customer to sign. Borrower will repay the amount of this loan in equal uninterrupted monthly installments. 4. PREPAYMENT Borrower has the right to prepay the whole outstanding amount at any time. If borrower does, or if this loan is refinanced – that is, replaced by a new note – Lender will refund the unearned finance charge. 5. LATE CHARGE Any installment not paid within 7 days of its due date shall be subject to a late charge of 0.9% of the  6. DEFAULT If for any reason Borrower fails to make any payment on time, Borrower shall be in default. The Lender can then demand immediate payment on the entire remaining unpaid balance of this loan, without giving anyone further notices. If borrower has not paid the full amount of the loan when the final payment is due, the Lender will charge in interest on the unpaid balance at 4.5% per year. 7. RIGHT OF OFFSET If this loan becomes past due, the Lender will have the right to pay this loan from any deposit or security Borrower have with this lender without notice to me. If the Lender gives me an extension of time to pay this loan, Borrower still must repay the entire loan. *Note: The Annual per Rate (A.P.R) mention above will remain unchanged entire the loans terms. “Terms and Conditions” CENTRAL LOAN aim to ensure all information as maintain is: ◦current ◦fit for the purpose intended ◦complete ◦accurate CENTRAL LOAN provide two services to the customer: •We can transfer the loan amount in customer’s account •We can fix an appointment with the customer to deliver the loan amount at customer’s place in few cases (Fee may include). These terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts. DATA PROTECTION: We may as a result of your interaction with the Site hold and process personal information obtained about you when you access the Site and use it for servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Best Loans and those of selected third parties, to evaluate the effectiveness of our marketing of the Site and for statistical analysis. We may pass this information to other members of the CENTRAL LOAN group or agents, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We will not disclose any such information outside of the Best Tenant Loans group except for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to our regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you. GOVERNING LAW: The Terms are governed by and interpreted in accordance with the laws of England and Wales and the courts of the above jurisdiction will have non-exclusive jurisdiction in respect of any dispute, which may arise.     LOAN INFORMATION: All loans are agreements regulated by the Consumer Credit Act 1974, which lays down certain requirements for your protection, which should be complied with when agreements are made. If they were not, the creditor (LOANS) cannot enforce the agreement against you without obtaining a court order. Written quotations are available on request. All lending is subject to appraisal of the applicant's financial status. To apply, you must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). APR details are correct at time of publication. Certain purposes of loan may be excluded or have limited repayment periods. The rate you are offered will depend on credit assessment procedures, your personal circumstances and other related factors. Terms of agreements will be clearly disclosed to you before you sign the agreement. You will agree to pay the Total Amount Payable on the agreement by the installments and at the times stated. If two or more of you sign the agreement as the Borrower, you are liable jointly and severally, that is together as well as separately. If the loan is secured by a Legal Charge over your property, normally your main residential address, you must sign and have witnessed the Legal Charge as a separate document accompanying the agreement. Products and offers are subject to conditions and can be withdrawn without notice. EARLIER PAYMENT OF YOUR LOAN: You have the right to repay your loan at any time during the repayment period by giving notice in writing. To do this, you will need to pay off the amount you owe under your agreement which may be reduced by a rebate (reduction) of part of the interest. RETURN, REFUND AND CANCELLATION POLICY: You have the right to cancel in writing up to 14 working days after the loan has been issued. Should you have already received the loan funds, you will be charged interest on a pro rata basis from the date of issue until funds are cleared in our bank account. You have the right to a refund or return of loan repayments accidentally or unintentionally made to us or collected by us. Refunds will be made as soon as practicable but normally within five working days of us being informed. You have to right to cancel your loan application if the loan amount is not credited or deliver in your bank account or home address then CENTRAL LOAN will refund the amount you paid within 24 working hours* (*Condition Apply) DELIVERY POLICY: Our loan agreement will only come into force when both you and we or our authorized representative have signed it or agree over the phone. When the loan is made we will open an account in your name(s) and debit it with the Total Amount Payable       The loan (Amount of Credit) will be delivered to you by transfer into your bank account, cash or by another mutually agreed method. Once your loan application has been approved “in principle” and subject to our usual underwriting criteria, your loan will be issued within two working hours of receipt of all the required fees. ANNUAL PERCENTAGE RATE: APR is a standard calculation used across the whole UK finance industry. It is a percentage calculation which lets you compare different forms of credit (i.e. loans, mortgages or credit cards) to help you decide on the best value. The APR takes into account interest as well as fees and charges. TYPICAL APR: A "typical" APR is the APR offered to two-thirds (7.8%) of borrowers. The actual APR you are charged is subject to status so you might not qualify for the typical APR The lender will assess your circumstances, such as your income, how much you can afford to repay, the relative security of your job, whether you're on the electoral roll and your credit history. CENTRAL LOAN typical APRs are as follows: Secured loans – typical 2.82% - 5.62% APR FIXED Unsecured loans – typical 5.60% - 17.60% APR FIXED Undertaking: I hereby certify that all the information given above is true to the best of my knowledge. If any of the above information is found to be incorrect at a later stage, I shall be liable to be disqualified/ refund for the personal loan. Regards BORROWERS SIGNATURE CENTRAL LOAN 1) _______________ 25-27 Surrey Street, Norwich, Norfolk NR13NX, United Kingdom Email: support@centralloan.co.uk Web: www.centralloan.co.uk 2) _________________ Contact Number: - +44-161-5051746       full  load agreement        
    • Ignore...    Wait until you get a Letter of Claim and come back here.
    • I wouldn't just ask them. I would send them an email confirming that the dealer has now agreed to receive the car back and that in view of the fact that they sold the car illegally and also in unsatisfactory condition, they have avoided the contract from the very beginning and therefore all agreements to purchase the car and any related agreements to finance it are now considered void from the outset. Tell them that this is your position and you want it confirmed. If your finance company will not confirm it then you are going to begin an immediate complaint to the financial ombudsman service because they will not be observing their duties under the consumer credit act. I think you need to be very insistent about all of this.
    • Were even if your mother died intestate, there must be some probate and somebody must be administrator. Try and send an SAR And incidentally, the principle is statute barred is a statutory limitation but it is subject to court's discretion
    • I will be contacting both the finance company and the trade centre tomorrow morning myself to make sure I receive written evidence off both parties stating the contract will be getting rolled back.   
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Hello everyone,

 

I care for my mother who has dementia.

She has a few things, mostly relating to her health and divorce that I've been trying to sort out.

I had advised the local council that I was struggling to cope and that my step dad, her ex husband had suddenly cut off all her bills and not paid them.

My social worker said that it was finance related and that she couldn't help.

 

The council tax bill was addressed for number 46- not sure why they had suddenly got our address wrong.

when I first heard that the council tax bill hadn't been paid, it'd been a couple of months already, as the letter had gone to my neighbour.

 

I explained this to them on the phone and they sent me some forms to fill in on behalf of my mum, but several other things have happened, including waiting for evidence to come through etc.

 

The person I spoke to was sure my mum was entitled not to pay because of her condition, but I'm not even sure what category she fell into.

 

I suffer with depression and it's a lot of pressure to deal with when caring for someone.

She's recently had a massive decline in her condition but it seems like no one cares or wants to help.

 

I've now received a magistrates court summons for an amount of £1300 to be paid upfront

From the letter, they're not interested in the ins and outs and just want payment.

 

Please can you advise. I will of course speak to them, but they're not open until Monday.

 

Thank you.

Edited by dx100uk
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Magistrates summons would actually be issued by council as an admin process, which go before Magistrates if you don't respond to the summons.

 

Speak to the council on Monday and advise them of the issues. If they are not interested, advise that you will turn up at the Magistrates on the date advised on the Summons and speak to Magistrates regarding the issues with the council tax bill having the wrong address and the council not being interesting in resolving the issues.

 

If you Mum has severe health issues she may be entitled to claim for a reduction in the council tax. Have a look at the councils website.


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Thank you for your reply.

 

So, what you're saying is the summons is actually from the council and not from the court and I can still discuss this with them before they send it to court? Because, they've given me a court date actually.

 

The council have since corrected the address, but I'm not sure how it got changed in the first place, so I'm not sure they will take me seriously. I will try though!

 

She has dementia and the website wasn't clear, so they've sent me the forms, which are also unclear, because she doesn't seem to fall into any of the categories. I was supposed to check with them, but other things happened and it's taken me longer to get round to things.

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Yes the Council issue the Summons and the date set at Magistrates is a one the Council have booked. They arrange a room at the Magistrates where they attempt to gain payment arrangements and if not agreed, the debtor is dealt with by Magistrates.

 

If you manage to get the Council to deal with this before the Magistrates date, they can cancel the summons and make arrangements with you.

 

You really need to speak to someone at the Council that deals with vulnerable people and can assist with this. The Council will have teams that help in this situation. The Council tax collections team might have been outsourced to a private company, just interested in collecting money. Your local councillors can put you in touch with relevant people at the Council.


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Thank you- I wasn't sure.

 

I will definitely speak to them and I tried calling yesterday but they're only open Mon- Fri.

 

Hopefully it will get sorted, but I know for a fact we can't pay the full amount upfront. The back of the letter is filled with scenarios and they've basically said they don't care they want everything now, which is quite scary.

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You should contact her local Councillor(s) today - even though it is Sunday - best done by phone and ask they take this up for you. If they refuse or are reluctant then go straight to the Leader of the Council and their opposite number. Councillor details can be had from http://www.writetothem.com


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I should just like to add – the advice you are getting here is excellent all through and you should follow it. However, you are being advised all the time to use the telephone. Firstly you should make sure that you have read our customer services guide and implemented the advice there. This is essential. Secondly, you should be putting everything in writing. Take sure you follow up every telephone conversation with a letter which confirms what was said on the telephone. You absolutely do need a paper trail here so that nobody later on can deny that they want told. Also, if you end up having to go to court then I'm afraid that simply telling the court that you told people over the phone when be very impressive. Far better to turn up with the copies of several letters that you sent and show them to the court so that it is clear that you did write and you did explain the situation.

 

Finally, even though you may be told by the council that everything will be sorted and you don't need to worry, I should go to court anyway on the date. I'm afraid that there are lots of people on this forum who think that they have made some kind of arrangement but the word doesn't filter through and eventually some anonymous council clerk turns up in court with an armful of files and they are just rubberstamp through.

 

If you do go to court then you should go there early – at least half an hour before the hearing time. Don't just wait outside the court but speak to the Usher and find out which court your case is going to be heard in.

 

Then go into the court and find the clerk of the court and pass a note to the clerk saying that you are present to answer to your case – give the case number and full name and address.

 

Explain to the clerk that you will want to talk and to object to the application.

 

You have to be very careful not to be ignored. The court dealing with loads of files. Hardly anybody ever turns up and they just like to process them and get them out of the way. You really have to make sure that you get there early and also make sure that people know that you are there and make sure that your case will be taken out of the pile and treated individually and that you will be given a chance to talk.

 

Hopefully they really will be sorted out – but I'm giving you "worst case" advice.


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I suffer with depression and it's a lot of pressure to deal with when caring for someone.

She's recently had a massive decline in her condition but it seems like no one cares or wants to help.

If you're resident at the property then the best discount could be 50% - if you're not resident then the best case would be a council tax exemption. It all depends on whether she is SMI for council tax purposes (and, if you are resident, if you qualify as a carer or not). https://lgfa92.co.uk/council-tax-severely-mentally-impaired-smi/

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Thank you to everyone who took the time to give me advice and I'm sorry I haven't been on to give you feedback.

 

I spoke to the council and they said they will be able to withdraw the summons once the receive the forms back proving that my mum indeed has a medical condition.

 

I explained to them that the forms were outdated and nowhere did it list PIP as a qualifying benefit.

They've asked me to manually amend the form and the guy I spoke to said he will bring it up next in the team meeting, because DLA is being phased out.

 

I sent them back the form on the same day.

The guy I spoke to told me, I had been sent the wrong form for myself.

I'm most likely exempt from council tax but the form they sent me in the first place isn't the right one.

 

I will let you know if and once this has all be resolved. Thank you :)

Edited by dx100uk
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looking good!!

 

dx


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

 

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Thank you to everyone who took the time to give me advice and I'm sorry I haven't been on to give you feedback.

 

I spoke to the council and they said they will be able to withdraw the summons once the receive the forms back proving that my mum indeed has a medical condition.

 

I explained to them that the forms were outdated and nowhere did it list PIP as a qualifying benefit.

They've asked me to manually amend the form and the guy I spoke to said he will bring it up next in the team meeting, because DLA is being phased out.

 

I sent them back the form on the same day.

The guy I spoke to told me, I had been sent the wrong form for myself.

I'm most likely exempt from council tax but the form they sent me in the first place isn't the right one.

 

I will let you know if and once this has all be resolved. Thank you :)

 

DLA will remain as a qualifying benefit (it will do so for historical claim purposes) so I hope they don't remove it ! PiP was added as a qualifying benefit for SMI with effect from 1 April 2013 - so only 5 1/2 years ago... There are a few different councils where I've had to point out similar (mind, the most commonly used council tax handbook also has a error along the same lines for qualifying benefits but with the carers disregard).

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Hello everyone,

 

A small update. So I've sent the form back for my mum to show she has a mental impairment but they've said the court case will go ahead as it is in a queue waiting to get processed. The person on the phone has put our account on hold and has already removed the summons charges for us and he said we don't have to attend court. The summons is to obtain a liability order.

 

What is your take on this? Should I still go?

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Hello everyone,

 

A small update. So I've sent the form back for my mum to show she has a mental impairment but they've said the court case will go ahead as it is in a queue waiting to get processed. The person on the phone has put our account on hold and has already removed the summons charges for us and he said we don't have to attend court. The summons is to obtain a liability order.

 

What is your take on this? Should I still go?

 

If the council have marked the summons as withdrawn on their system then they should, at the liability order hearing, advice the magistrates that they no longer wish to pursue the order and that the application is withdrawn. There's usually no problem but if you feel you need something in writing then ask the council to confirm the application is being withdrawn.

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