Jump to content


  • Tweets

  • Posts

    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
  • 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

Britannia Repossession / Eviction - Help & Advice Needed with N244***Suspended***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1755 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

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

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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

 

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.

Link to post
Share on other sites

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?

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.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

 

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.

Link to post
Share on other sites

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)

 

 

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.

Link to post
Share on other sites

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.

 

 

Link to post
Share on other sites

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

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.

Link to post
Share on other sites

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?

Link to post
Share on other sites

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

 

 

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.

Link to post
Share on other sites

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

 

 

 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Link to post
Share on other sites

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...