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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Britannia Repossession / Eviction - Help & Advice Needed with N244***Suspended***


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Thanks, but I've exhausted every effort for assistance with this. I would be on the street if I was evicted. Would a judge not accept a token payment of what I can afford, or an offer of increased payments when my income increases until the property has sold?

 

 

I note from reading the forum that others have been granted time to assess their income and affordability moving forward - Cannot understand why I would not be given that chance too

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HB is right,  if you need another opinion on this then the very best thing you can do is to contact Shelter they will be open again the the morning it's their job to help people in your situation  https://england.shelter.org.uk/get_help

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The majority of other cases you have read have been where the defendants have been able to offer ta level of payment that a judge considered to be adequate to suspend eviction.

 

Please, please contact Shelter tomorrow

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Why is it not appropriate for you to contact Shelter - they are a marvelous organisation

 

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But Shelter may have another help option for you for court, I know they  can accompany defendants at the hearing and help support the case,  they have a legal team for situations like yours.. don't you think it's worth trying?

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nothing to do with legal aid - its free.

ring them tell them what you are repeatedly telling us here

 

they're the guys that can probably help you are affirm what we are saying is your best route.

 

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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What is it exactly they can do to assist me?

 

Sorry if I am repeating myself, but under severe stress and also have various health problems.

 

I am also a stroke survivor and suffered massive brain haemorrhage in 2014 which nearly killed me...

I have some brain damage as a result of the bleeding and cognitive problems and any stress could cause a fatal bleed in brain, so this situation is obviously not good for me

 

People keep mentioning shelter, but no point getting assistance at court if I have no chance of success.. That would only exasperate my health conditions

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They may be able to provide some legal representation at a hearing which could give some weight to what you are trying to achieve

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I feel that would cause more stress and hassle for me at the moment. I have tried many avenues to get legal assistance and is not possible... It would be less stressful and easier for me to defend in court myself. If I had a good chance of success, I would be physically and mentally capable of going to the court myself to defend, but with a slim chance, I see no point in doing that

 

If they affirmed what you have said of hardly any chance of succeeding then that would be a waste of my time and energy and pointless to me

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Some of the replies on here have been so supportive, helpful and encouraging, but quite upset that some feel the need to cause further anxiety & distress with comments such as telling me I am just repeating myself over and over. These comments seem to have been removed now, but were clearly made with intention to cause upset rather than any support. Yes, maybe I do repeat myself. Some of my questions have gone unanswered and am also on several medications which can cause cognitive problems. Just wish people were a bit more mindful of their comments.

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I don't believe any of your questions have been unanswered - I have tried my very best to advise and help you but you always have a reason not to act upon it.   If an eviction notice arrives I will happily help you put in a defence asking for time to sell the property - I would never leave anyone without help - but I always have to be realistic.  It wouldn't be right to give anyone false hope.

 

However  I cannot understand why you refuse to contact Shelter who may be able to sort out rented accommodation for you as well as provide a legal representative in court - when I say they may be able to give "weight" to your case I mean their knowledge of court procedures and hearings will be invaluable when talking to a judge and the lender.  Legal assistance in court is invaluable.

 

However,  if you do nothing - you will be evicted that is fact-  bailiffs will turn up on  the eviction date, you will have to leave and they will secure the property.  You would then have to make arrangements with them to come back at a later date to collect any belongings you haven't already taken with you.

 

Please try to do something to make your situation better.

 

Which area of the country do you live in ? (county)

 

 

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Hi Ell-enn,

 

It may be less costly for me to apply with N244 now rather than wait for an eviction date. Not sure I would have to pay the court fee anyway due to low income.

 

In addition to asking the judge to allow as much time to sell as possible, could I also ask for more time to assess my finances / raise funds towards mortgage payments? 

 

I fell into arrears due to problems with a spinal injury and other health problems which affected my ability to work and also other factors. Since falling into arrears I have also suffered nervous breakdown and am currently taking several medications which affect day-to-day functioning / ability to work. I hope to be off of these medications soon, which would allow me to return to work and resume regular mortgage payments. In the meantime I could maybe offer a small amount towards arrears. I also may be awarded PIP, which would be an additional income, although it may be a couple of months before I would receive that. 

 

I can provide evidence for the judge of property on the market and GP letter. Am I allowed to ask the judge to not allow the lender to add any legal costs to my mortgage account? 

 

Would really appreciate your help with this and what to write on N244, as just don't want to lose my home.

 

 

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OK,  Firstly can you fill in the affixed budget sheet (it calculates automatically as you fill it in) - we will need this to go with your N244.  Let me know when you've done it.

 

We will take this one step at a time,  so everything is clear for you.

 

Do you have a printer at home?

Budget Sheet - Blank.xlsx

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I don't believe I always have a reason not to act upon your advice.

I appreciate your advice.

 

I am sure Shelter are great, but have already contacted several organisations and exhausted efforts to get legal representation.

From my understanding Shelter can help find private rented accommodation, which isnt a problem for me to find myself

- They problem is not currently having funds available to rent

- Hence trying to stop/delay eviction.

 

As for legal representation in court, I do not have enough time left to pursue this, so feel it would be best to focus on your assistance with N244 and maybe their might be a duty legal advisor available in court.

 

I don't think i'm doing nothing and trying all I am capable of to make my situation better.

 

Cambridgeshire.    

 

Thank you. Yes I have a printer and will do this as soon as I can.

 

Do I put my current income, or what my income will be when I return to work?

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You put what your current income is - we can deal with what the future income might be in your N244 statement

Help us to keep on helping

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

 

 

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Hi Ell-enn,

 

Sorry I have only just seen your reply.

My current income is zero as I am not able to work at the moment due to ill health & several prescription medications.

My family are currently helping me with small amounts of money for food and basic survival

- So not sure what I would put on the I&e form...

 

I was thinking I should put what my normal income & expenditure will be when I am able to return to work, along with offer towards arrears and normal monthly payments, so that the judge can see that I can afford payments in the near future, until property has sold and ask if the judge would allow me some time to return to work on a certain date?

 

I'm not sure what I can put on I&e form otherwise... 

 

Would really appreciate you help. 

 

Hi HB,

 

Thank you for your reply. I am not eligible for any legal aid and cannot afford any legal representation.

 

I have also sought legal assistance on a pro-bono basis, however there is not enough time left now to pursue this and am not eligible due to court hearing already having taken place..

. I think will be better for me to go with assistance from Ell-enn with N244

 

 

 

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We have already explained that Shelter's legal assistance is NOT legal aid - they have a legal team that can accompany you at your court hearing, hopefully you will understand this tine....  they could also find you a place to rent.   Please consider giving them a call

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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Agree that contacting the charity Shelter might help you deal with this. They have advisors in most arears of the country and may be able to support you while you are trying to seek a resolution.

 

The other very important aspect is your mental health. You must ensure that you receive help with this. The charity Rethink can help point you in the right direction.

 

https://www.rethink.org

 

 

We could do with some help from you.

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As, already stated, I don't have any money to privately rent anywhere at the moment.

 

I do not feel I have the time to pursue any legal assistance in court through Shelter and as stated before,

 

I think it would be best for me to go forward with your assistance with an N244 now and ask for a duty legal advisor if one available at court.

 

I have replied to your previous reply re budget sheet and await your reply

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