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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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      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.

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    • 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.
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      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
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Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges


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If your account doesn't support internet banking, then I would use a Standing Order, or Direct Debit.

 

Although I think in your situation, it might be wiser to use a Standing order.

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Yes it transfers you :( I could pay via an advisor on my card I suppose or could pay into their bank if I get the details and then I'd have proof of payment. Is it a good idea to start paying before I go to court and is weekly ok? Not due until 30th nov, thanks everyone :)

 

And when/if it gets sorted I will do standing order or direct debit

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GE's bank details....................sort 20 19 90...........account 80896950, I think that's a Barclays account, purely going by the fact that my old Barclay's account sort code started with 20. You could make a payment over the counter if you don't want to talk to their reps.

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Hi in my experience the bailiff has to deliver notice by hand

and usually get one in the post can be anything from 3 to 14 days notice.

 

the last one i got 2 days

 

thing is the warrant had already been withdrawn due to the arrears being paid in full

.ge didn't notify the courts

 

i rang myself just to be sure then had to get ge solicitor to give conformation arrears cleared.

 

good luck Sure it will be fine you got good advice here and it worked for me

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Just a thought,

 

you should get a letter from Ge telling you that they have received a bailiffs appointment

 

this will give you a time & date you may get this first giving you more time to get prepared for court.

 

bailiff letter may follow

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Hi everyone, totally petrified and in tears. Had a letter in post this morning ( not hand delivered) saying we are being evicted on 27th November, what do I do? Thanks

 

You might like to read back through your thread as there is a lot of information as to what to do next.

 

You have, I believe, done your income and expenditure account?

 

You will need to submit an N244 to the courts to get a hearing in front of a Judge to get the eviction stopped.

 

With that document you will need to supply a copy of the income and expenditure account

to show that you can meet the monthly payments going forward together with extra to address the arrears.

 

You will also need to supply a witness statement which I have no doubt Ell-Enn will help you with.

 

Can you gove more details of the offer of the charges refund please.

 

If accepted these will be refunded back to the account to reduce the balance outstanding.

 

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Is the letter from the court or from GE ?

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Hello to you both,

 

the letter is from the court.

 

But a different court than I thought.

 

So I take the form back to the address on the eviction notice?

 

Thanks

 

Also just called ge to get current arrears balance and cmi abs they tried asking me loads of questions regarding my intentions.

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You take the N244 to the court the letter came from.

 

Do you need help with completing the N244 and writing a statement to go with it?

- I should have some time this afternoon to help.....

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Hi,

 

Quick question then we can get on to filling in the N244

 

Is the mortgage in joint names ?

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OK, I have affixed the N244 form and below are the instructions for completing it. I will start to write a statement to go with Q.10 of the form and let you have that later.

 

1.Name (s)

2. Tick Defendant

3. Suspension of eviction

4. No

5. Tick at a hearing

6. 15 minutes

Agreed by all parties: No

7. Write - Not applicable

8. District

9. Both Parties

10. Tick box for attached witness statement

Cross out all options except The Applicant Believes

11 Sign and cross out all options except Applicant

Sign and cross out all options except Applicant. Enter your address andcontact details.

 

Gather together letters you have sent to GE and any doctor's letters that have been sent to them - put in date order. Then get the letters you have received from GE and again put in date order. You will need to photocopy all of these.

 

Do you have a printer at home?

n244_0400[1].pdf

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Ok thanks all received,

yes I have a printer at home.

 

So do I need to take in all letters when I take the form in?

 

Also to add to my email, my husband is a self employed builder and we used to have a company.

 

Work dried up in 2008 and we had to make employees redundant.

 

The recession has been horrendous for builders :(

 

Really sorry last bit to add..

 

... This has been ongoing with ge since feb 13,

 

they just stopped setting arrangements,

 

said we had to get help via mortgage rescue,

 

which we were unable to.

 

So we sent as much as we could afford each month increasing the amount each month.

 

Naively I thought ge were happy with that :(

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I will give you instructions what to enclose with the N244 when I've finished the statement. I've got a short meeting now but will be back with it soon.

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

 

 

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