Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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

Loan Maker Broker/Advantage/ADV2/Paragon/MARS - Secured 2nd charge debt consolidation Loan May 2007 - still owe more than i borrowed!!


Recommended Posts

I have had so much help on here in the past with Halifax and Paragon.

After my win in court last october with Paragon they sold the debt to Mars Capital.

I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it.

The original loan was £35 k and paid in multiple payments to people i owed money to and some to me.

Ive had high levels of arrears for at least 10 years i think .

Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007.

I have high levels of chargers on there which i need to add up and ask to be deducted.

If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  

I want to offer a lump sum to get rid of it this year but there are so many issues with this loan -

i SAR them back when paragon had it but i don't want to rock the boat

- but if they don't have the credit agreement do courts still view this as unenforceable ???

should mars keep to the same rate that the original lender took loan out for??

 I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think

Link to post
Share on other sites

any improper fees and interest accrued upn those fees is recoverable by you from the people who are the creditors. So if Paragon added unlawful fees you claim them back form Mars.

 

Get your SAR's in to everyone involved in this mess and then note any charges, fees ect and  we can help you calculate the interest accrued. It may well be that Mars paid very little for this account  and when hit with a claim for £35k unlawfuls fees recovery they may just cut thier losses and drop any interest they say  have

Link to post
Share on other sites

When I was in court last year with paragon and suspended possession order when they were going for eviction they stated the high levels of arrears and were told off by the judge as to why they let it get so high and only just acting on it now

.. I won by skin of my teeth but I think they sold it off as soon as they could after that. 


If , once I have worked out all fees etc in coming months and interest and I hit them with a figure

- if they refuse it am I in a position to take them to court ?? 

Link to post
Share on other sites

Just thinking about this from another angle, if I understand this correctly this loan is the only one you have secured on the house. 

If that's correct then £35K is quite small by mortgage standards. 

 

Could you take out a more conventional mortgage at a sensible interest rate, and pay this loan off? 

Or are you tied in for the term? 

 

 Even if there were early repayment penalties it might still be worthwhile given the high interest rate mentioned earlier.

Link to post
Share on other sites

If your record with Halifax is good it might still be worth asking if you could take "additional borrowing" (that's what Lloyds called it when we extended our mortgage). 

 That's assuming there's enough equity in the house, and also that your income meets their affordability criteria. 

 When we took additional borrowing we were also allowed to take it on a longer term than the existing mortgage

  • Like 1
Link to post
Share on other sites

yes you can take them to court for the fees.

here is your agreement extracted from an earlier photobucket link

which you might like to close now as your full name is in the account name there.

 

2007-06-14 Advantage Signed Agreement.pdf

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

  • 2 months later...

Hi am still on with this.

Am wanting to SAR Mars soon and work out charges etc , what I've paid and the balance ..

i know they are saying it is 50k plus over 25k arrears?

i am wondering if they bought it cheap would they perhaps when hit with it all , agree a pay off???

I really need advice here as i want to finally sort it.

I know that going down unenforceable route is a no go but what else can i do them for??

Link to post
Share on other sites

you need to get all the info 1st then we know what cards we are playing with.

 

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... 

Link to post
Share on other sites

you've already sent an sar .

you need to await the information.

 

yes ofcourse they must hold everything

else how can they so confidently rook you upon supposed arrears.

now you'll never get to see the deed of assignment sadly 

 

lots of threads here 

get reading up

 

mortgage charges reclaiming.

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Loan Maker Broker & Advantage/ADV2/Paragon Secured 2nd charge Loan - now with Mars

good so get all the info from mars and see if it matches the old sar data.

wouldn't hurt you too sar advantage too.

get every piece of info you can then hit back

this cash only? secured 2nd charge loan will be mostly unlawful penalty fees and bogus insurances.

tha'st called rooking.....the arrears are false.

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

not it's not arrears.

just they trying to be cleaver by using words and terms that do not apply to the crap they are going on about.

 

a shortfall is where a secured loan or mortgage fails to be settled after the property that it was secured against has been repossessed and the latter sale figure failed to meet the remaining outstanding debt it had secured against.

 

in you case neither are true.

 

sadly throughout this whole 10yrs thread

other than the agreement I did earlier, we haven't seen any paperwork like a previous SAR returned scanned up in full

so we don't really know anything of this 10yrs debacle, you just repeatedly disappear for a few years, then comeback again.

 

have you ever checked who's name is now on the charge on your deeds of the current property??

did

adavantage

advantage2

paragon

mars

 

...all successfully apply to have it changed to their name with land registry?

did you ever get a notice of assignment each time the owner of the loan sold it on.??

 

 

 

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

well .. i certainly don't understand saying that theres a shortfall

- my house isn't repossessed just has the terms on it as suspended. ??

i feel like calling and asking where this comes from but ill save it..

i wonder how they can call it that and lie???

also i still have equity 

in the ten years I've had a suspended possession I've always put a n244 in and fought with your help and last time the judge was not happy with them that they had let the arrears get so large so sided with me.. month later they had sold it on to Mars.

I fought them in 2014 after some errors on their part and had a solicitor but i had a serious mental breakdown so my dad agreed that i pay interest only for 6 months to which they agreed after we lodged official complaints of their conduct while i was in hospital 

I had then in 2014 paid £24595.20, charges £3874.42 ,

i have another 6 years of charges which i started getting more of and i think my payments are higher than they were too.

years ago i think it was paragon on my charging order - i may need to check

also yes they informed me of new owners of the debt each time

Link to post
Share on other sites

well time to take control and not be controlled.

send anyone/everyone an sar today

get every piece of info you can from everywhere.

then get reclaiming. hit back and hard.

get your deeds copy from the .gov.uk site ONLY (£3) 

and lastly one last time, as you appear to 'forget'...

you never ever ever ring or use email...

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

I have called and done payments over phone and spoke to them as I have been scared to rock boat again but we want to sell and move in the next few years and I want this out the way it’s ruled my life and finances too long.

When I do call though I ask if calls are recorded and I could request them.

what will I get with SAR..

I just got payment history and letters send last time I think 

Also just ordered my deeds to see the charging orders

Link to post
Share on other sites

well i'm not sure how many times we've said never ever call them in the 10yrs of this thread?

you don't have to be scared to rock any boat by not complying to their demands because they state crap to you to make you scared...

and you wont get any call recordings ever as they distort them afte 10 weeks.

 

stop ringing them ....never use the phone ever again in or out..even to pay them....now

you can pay by bacs transfer 

 

so find all you existing sar from before

get it all scanned up and put it up here so we can HELP YOU...

read upload carefully...

 

 

 

 

 

 

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

Checked the charges on property and Mars are listed so they must have changed it - nevermind 

 

another thing

- say that I've paid back £50k of the 35k loan - they will expect me to pay 148k in total as thats what it would be with interest am sure i read years ago??

 

how do i even try and get a low full and final payment figure when they can hit me with that.

.. i don't really understand it all

Link to post
Share on other sites

well i'd get all the info 

then we can help

without it..

as with the above post.

.it's mere this and that speculation...

 

 

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

  • 11 months later...

open

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

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...