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    • Sorry, I may have forgot to get back on this. Please monitor for a reply tomorrow
    • Yes, now its just about getting the WS / Court bundle finalised to send to the court / Evri. I've attached the most recent version of the WS / Court bundle to save having to scroll back up to the previous post (#204) where it was also shared. If you, @BankFodder or anyone else has any feedback on this, i'd be grateful for your thoughts. In my previous post #204, i'd also attached an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at Her mes - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender [origin] and the recipient [destination] - I have redacted personal details in the attached invoice.  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (the sender / recipient) is involved in this transaction. I have also attached this redacted invoice in this post to save having to scroll back up. Happy to get any thoughts and if this invoice is no good, then please let me know.   Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • Does anyone know if I would be allowed to record conversations with health professionals for my own use on my phone without them knowing. I know that we are allowed to record phone calls. I do record some of my phone calls for my own use due to my disability and if anything is said then I am covered. I would only record audio in private area's of myself and the professional dealing with me. I know I could not get and other persons audio in it and I don't intend to. my only other option is to buy a body cam but I am not sure the rules regarding this.I never thought i would have to but things are getting worse Thanks for any guidance 
    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
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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.

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


Pleasehelpme26
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Can anyone help I'm at my wits end.

 

I have had a mortgage with ge for 10 years.

 

We have arrears of £40k.

These have accrued though ill health and self employment.

 

We have been paying part of the contractual payment each month

although no arrangement set to do so.

 

I am under medication as I'm agoraphobic and mentally unwell.

My GP has written to ge to confirm.

 

They wanted a GP letter to do a final review but have said they are going for eviction.

 

Letter only posted today so not read by ge.

 

My husband starts a new job, more money and as an employee.

 

I have offered as of end nov to pay full monthly payment to prove we can pay each month.

Then I have asked for arrears to be paid off over remaining term.

 

Ge said no.

I have 2 children and one has a heart murmur.

Will a judge listen or just laugh at me.

 

Ge sent police to my door and contacted a social worker today as they thought I might kill myself.

 

Can anyone help?

 

Please :(

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blimey £40k arrears!!

 

so how much was the mortgage for?

when did you take it out?

is their NO MPPI or insurance with the mortgage to fall back on?

what is the full term of the mortgage?

 

dx

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... 

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To northern bloke. I can't send pm yet...Thanks for your reply. When you say 50% is that half the arrears? We could only afford £228 per month but that is repaying over the remaining morgage term. What did ge do about fees and additional interest? Thanks

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Hi, has this case already been to court? is there a suspended possession order in place?

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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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If they apply for an eviction order then you can submit an application to the court on an N244 form

asking for a hearing to have the eviction stopped (we can help you with that).

 

 

Obviously you will have to be able to show you can pay towards the arrears each month and clear them within the remaining term of the mortgage.

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

 

 

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Is the secured loan in arrears ?

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

 

 

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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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Hello there.

 

Ell-enn has written a useful guide on repossession problems. Here's a link in case it helps you to understand more.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

My best, HB

 

Thank you, I'm suicidal

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You will have to start repaying the arrears on the secured loan - how long has it left to run ?

 

It would help you to get an idea of what you can realistically afford if you complete the affixed budget sheet (it calculates automatically as you fill it in) - you need to factor in what you can pay towards the arrears on both the mortgage and secured loan. You will also need to submit a budget sheet with your N244 application so you might as well get it done now and we know what we are dealing with.

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.

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Hi yes ok. Do I tie it in with my other morgage? Will the judge laugh at me because of arrears amount and payment history? I will fill in sheet, can I do it on my phone and do I submit on here to you? Thanks

 

Probably best to do it on a laptop/pc etc. Let me know when you have completed it and you can email it to me at [email protected] (there is no space between the c and 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.

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