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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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Pensioner About To Be Kicked From Her Long Term Home.


SOD'EM
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If this is in the wrong place, can a Mod please move it for me. Thank you.

 

I was crushed to hear from a friend what her Daughter and Son in Law are doing to her.

 

She bought a house 30 years ago, and was paying her Mortgage without fail. 12 years ago she fell into Financial Difficulties, and was struggling with debt, so she told her Daughter.

Her Daughter couldn't get any money at the time, and needed money herself as she wanted to get married, and was doing a degree overseas. To cut a long story short, her Daughter

applied (and got) a Mortgage to buy the house off her Mum. It was at a reduced rate so the Mortgage Payments were only £250 a month, which my friend has paid without fail for the last 12 years.

Now, her daughter has hit hard times herself and has decided to sell the house. She is not behind on the Mortgage, because my friend has not missed any payments on that. Basically, all she has done

is put her name on a Mortgage that she has not had to pay a penny towards, and is now selling her Mum's house leaving her Homeless. Can she do this?

 

I know that Legally the house his hers, but surely if her Mum can prove she has paid all the Mortgage Payments they can stop the sale. Her Daughter will just pay off the rest of the Mortgage, and then be 

quids in with the rest. My friend has only stopped crying enough to tell me that her Daughter has said that if she tries to intervene in the sale, she cannot see her Grandson (whom she adores, and has done

a lot of looking after him) anymore.

 

Please. If anybody knows any solutions?

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Hi Sod'em. This sounds awful for your friend.

 

IMO, having your name on the mortgage doesn't make you the owner of the house, that would be the person named at the Land Registry, which I assume is your friend. I didn't think you could sell a property without the owner's permission, but I expect other caggers know more than I do.

 

I suppose where it gets complicated is that the loan is in the daughter's name, even though she hasn't paid the mortgage. Has she contributed towards the running of the house financially?

 

HB

Illegitimi non carborundum

 

 

 

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It's a dreadful story. I'm afraid it is outside my area of experience – but I'm sure that there must be a constructive trust in her favour – but I'm afraid that she may be best off going to see a solicitor urgently about this.

This is not advice I usually give on this forum but it sounds a bit specialist and it sounds like an emergency.

In terms of not seeing her grandson, this threat sounds highly abusive but I'm not at all sure what can be done about it. How old is the grandson?

The daughter sounds like a very nasty piece of work

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It's an awful situation. Her Daughter was accepted for a high paying job in the NHS after graduating overseas. She moved back a week before her start date but suffered

a massive Brain Haemorrhage 2 days before she was meant to start work. She was hospitalised for a long time which ruined her career, which was the start of her facing

Financial Hardship. This was a terrible thing for her to go through (I know), but her Mum was there every step of the way. She took over the looking after of her Grandson

(which she was happy to do, so her Son In Law could go to work). He himself has just been diagnosed as Autistic, and he works as a Teacher. My friends Grandson is now

6 years old. It seems the after affects of the Brain Haemorrhage have changed her Daughters personality a lot. She has had clots removed (open Brain Surgery) recently,

and I suppose she will never be the same. A solicitor would give my friend advice, but she cannot afford one. She only gets her State Pension. 

 

It's very hard for all involved I know, but I think my friend is getting the worse of it. Much worse.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Sod-em, most solicitors will do a half hour free meeting before they or the prospective client decide what to do. Your friend could ring a local firm that has property specialists and ask if she can talk to someone.

 

The Law Society has a Find a Solicitor function where you type in your location and what speciality you need and it brings up the people who can help.

 

SOLICITORS.LAWSOCIETY.ORG.UK

Find A Solicitor is a free service from The Law Society for anyone looking for legal services in England and Wales that are regulated by the SRA

 

HB

 

Illegitimi non carborundum

 

 

 

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Grandparents have established access rights these days so I suggest your friend reads up on that and informs her daughter that should she try to stop her seeing her grandchildren she will be compelled to justify that in an investigation by Child Services.

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4 hours ago, honeybee13 said:

For a fee of £3, anyone can check the ownership of a property at the HMRC website, Sod'em. Hopefully your friend hasn't signed over the house, this will make things clearer.

 

@SOD'EMIs  your friend able to do this and find out who is the registered owner at the Land Registry?  You  have to do it online and pay £3 but you get a copy of the Land Registry ownership information instantly which you download as a pdf. If your friend is unable to do this herself would you be willing to do it for her and share with us here what it says (deleting personal details and address)?

 

This is the page you need  Property Search - Land Registry

 

Having a copy of that entry will be important to take with  her when she sees a solicitor for legal advice. 

 

As well as paying all of the mortgage has your friend also paid all the household bills and running costs?

 

I think she is very likely to have legal protection  but it's essential she finds a solicitor for an initial free advice session. 

 

And she must not move out of the house even if her daughter tells her to. Not without getting legal advice first.

 

Has the daughter siad what she expects her mother to do when the house is sold? Is she planning to just leave her on the street homeless? Or find her somewhere else to live?

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Thanks all for replying. It seems her daughter has offered to sell the house with a 'Sitting Tenant' as part of the deal. This is only guaranteed for 12 Months though.

She has been paying £250 a month Mortgage, and she will pay the same in rent for 12 Months. It is then when the new owners can either bump up the rent, or ask

her to leave. 12 Months isn't a long time so I can see why she is upset. As far as she knows, the Land Registry is still in her name, so basically her daughter has only

used her name to obtain a Mortgage.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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I still recommend she spends £3 to get a copy of the Land Registry entry. It's very important for her to know exactly what it says.

 

If your friend is the registered owner at the Land Registry the house cannot be sold without her consent. If the daughter isn't the registered owner she can't sell it. It's irrelevant whose name the mortgage is in.So your friend must not sign any forms about the house without getting legal advice.

 

The daughter might try and get her mother to transfer ownership to her.  Is that what was meant by "her Daughter has said that if she tries to intervene in the sale, she cannot see her Grandson"? That unless she agrees to transfer the house she'll never see her grandson again? That' something else she should tell the solicitor when she sees them. An agreeement made under duress may not be legally valid anyway.

 

Offering to let her stay there for 12 months after the sale is just adding insult to injury. It's not an offer to help your friend, it's to help the daughter raise money quickly. It would  result in your friend being thrown out of the house she's lived in for 30 years in a year's time and left on the streets by the new owner. She must not agree to it without taking legal advice.

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I've recommended she seeks legal advice, but she's scared of upsetting anyone. What makes things worse is that even though she was in Financial Trouble

12 years ago, she never fell behind on her own Mortgage Payments. That original Mortgage would have been finished last year, and the house would be hers.

Her Daughter is saying she should have been paying £400 plus per month rent when she got the Mortgage to buy the house from her. Disgusting behaviour.

My friend doesn't want everything go topsy turvy, and seems like she's about to give up and just let it happen.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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She shouldn't give up and be a victim, there are things she can do.

 

As we've said, the Land Registry is a good start and it's all anonymous. Ethel and I both think it's important to know the ownership of the house.

 

Your friend may not even have to go to a lawyer, I don't know how they're working these days. But who would know she'd spoken to someone unless she tells them

 

HB

Illegitimi non carborundum

 

 

 

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If she won't help herself there's not much else we can advise on here. 

 

This isn't just a legal matter about property law.

 

Let's be clear, everything you've told us points to her being a vulnerable adult who is a victim of domestic abuse - financial abuse - from her daughter. That's potentially a criminal offence. It appears she is being forced into giving up her house and her legal rights by daughter using coercive threats that she will never see her grandchildren again unless she does what her daughter is directing her to do. 

 

There are other sources of help she could seek out if she won't talk to a lawyer. Citizen's Advice is one. Another is Adult Social Services at her local council. Or the police. You could make a referral to the police or social servcies if she won't.

 

You need to do some research on financial abuse of older people. These sites are helpful

 

Financial abuse | Hourglass (wearehourglass.org) There's an Hourglass helpline you could call: 0808 808 8141

 

Protect yourself and loved ones from elderly abuse | Age UK   There's an Age UK Helpline you could call - 0800 678 1174

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