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    • 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.   
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    • We have finally managed to obtain the transcript of this case.

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MCE Portfolio Advice Required


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Hi, Im new here and just after a little advice please. 

 

I got a letter from MCE Portfolio for a sum of £3021.41 for someone that used to live at our house with us, but left 9 years ago.

The debt is in her name for something to do with Clydesdale Bank/Yorkshire bank.

To cut a long story short, they put a charge against my house, because her name was still on the mortgage.

 

I was going through some old paperwork and seen it was dated 2013.

I am thinking about contacting them to see if I can pay it off to get the charge removed before I re-approach her to remove her name off my house.

As I read on the letter that it will be accruing interest every year.

 

I'm now frightened to see how much the sum would be now.

I contacted them at the time to tell them that she left etc.

 

Im just trying to work out what to do for the best.

 

Kind Regards

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Hi and Welcome to the Forum.

 

Is this someone connected to you...ex ?  For her name to be on your mortgage ?

 

Andy

We could do with some help from you.

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Hi Andy, My wife owns the house, it was a friend of hers, before I met her.

There should be a covenant stating my wife owns 75% and she had 25% share, but the solicitor is no longer in business,

 

I contacted the SRA and they don't know where the paperwork is, so we are in a conundrum, etc.

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probably only a restriction k surely so totally worthless to anyone?

 

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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1 hour ago, FriendlyAdvice said:

To cut a long story short, they put a charge against my house, because her name was still on the mortgage.

 

On a jointly owned property, unless the debt was also jointly taken by the same joint owners - it is a restriction k.

which is all but useless to whomever placed it or has now bought the CCJ/CO .

 

UNLESS the other joint owner agreed to a voluntary charge?

 

https://www.consumeractiongroup.co.uk/topic/410486-lowell-interim-charging-order-from-credit-card-debt-2009/?tab=comments#comment-4912902

 

https://www.consumeractiongroup.co.uk/topic/406428-remortgage-issue/

 

https://www.consumeractiongroup.co.uk/topic/416393-advice-required-re-charging-order/?tab=comments#comment-4986593

 

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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Couple of points....

 

Is the mortgage now paid off or is it still running ?

You say you will approach her so obviously you know where she is and still in contact...have you not given MCE Portfolio her details ?

 

Charging Orders/Restrictions do not accrue interest..its simply a means to secure the judgment (CCJ) against this person.

 

You state the debt was in connection with  Clydesdale Bank/Yorkshire bank....therefore any debt with them will be regulated by the CCA1974 and Post Judgment interest is not applicable..(Unless stated within the T&Cs of the credit agreement ) the amount outstanding should be the same as the Judgment amount awarded in 2011.

 

Even if it is stated within the T&Cs of the credit agreement that post judgment interest is applicable...which I very much doubt....a separate court claim would have to be issued to claim any accrued interest.

 

Andy

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 OTHER

 

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Hi, My wife finished the Mortgage off around 5 years ago, but her mate had also taken out a secured loan, in both their names in 2004. Me and my wife have just paid it off (Swift Advances), otherwise we would have paid the original amount about 3x.

 

At this moment in time, no I do not know where she is, but I will have to probably pay to find her.

When I found her myself last time which is around 7 years ago, I informed MCE Portfolio, and Also Swift Advances (Secured Debt) of her new address and her workplace.

 

When she upped and left in 2011 I also contacted the police, etc., they came to see my wife, and said there's nothing they can do, unless she takes out anything else on the address in both their names after she had left etc.

 

I have to deal with it all, because its making my wife ill, she put £10k down originally from a house she owned in the 80's, to purchase the one we live in now in 1988/89. The friend was kicked out of her parents, my wife put her up at her mothers, then put her name on the mortgage to get the house back then. my wife has been kicked in the teeth so to speak.

 

The MCE Portfolio letter reads;

 

Account type: Unsecured Loan, 60 months, etc.

 

Closing balance £3021.41

 

No contractual interest is payable on the amount outstanding

 

Interest is however accruing on the sum outstanding under the Charging Order obtained against you in respect of this debt, and will continue to accrue, at the rate of 8% per annum.

 

Thank you all for taking the time to reply, etc., Means a lot, when you don't know where to turn.

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Quote

but her mate had also taken out a secured loan, in both there names in 2004.

 

Without your wife's knowledge ?   So the Charging Order is in both names ?

We could do with some help from you.

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Hi, The charging order on the MCE is in her friends name only,

 

 Back in 2004, I come across some paperwork and found out my wife had been giving her the money to go and pay the mortgage and she wasn't. Said friend said I will get a loan to pay off what I haven't been paying on the mortgage,

 

little did my wife know that she had done it through Swift Advances for a sum of £28k, me and my wife were baffled all these years later, when I requested paperwork and saw the amount that she had borrowed.

 

Yet we have no idea what happened to the money, she didnt drive or wear flash clothes, etc.,

unless a lot of the money was swallowed up in her account by charges etc., we will never know.

 

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Well she no longer resides there ....inform the Land Registry to update your deeds and remove her name.The debt follows the debtor...it does  not stick to bricks and mortar. 

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 OTHER

 

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12 minutes ago, Andyorch said:

Well she no longer resides there ....inform the Land Registry to update your deeds and remove her name.The debt follows the debtor...it does  not stick to bricks and mortar. 

Well I suppose its worth a try, got nothing to lose by sending a letter.

 

Thanks

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Failing that inform MCE the same and tell them to remove the charge...they will track and trace her.

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 OTHER

 

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Failing that inform MCE the same and tell them to remove the charge...they will track and trace her.

 

Please dont tell us your wifes name is on the credit agreement and CCJ ...otherwise the above is pointless.

 

 

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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46 minutes ago, Andyorch said:

Failing that inform MCE the same and tell them to remove the charge...they will track and trace her.

 

Please dont tell us your wifes name is on the credit agreement and CCJ ...otherwise the above is pointless.

 

 

 

IMG_20201117_141825.jpg

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