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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
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RBS- Repossession specialist help please


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Hello,

please could I ask if anybody can help/advise 

me with a situation that is not straightforward regarding repossession of a property in ex partners name therefore bank will not deal with myself ?

 

House in ex partners name - I am resident with children. 
ex partner non compliant in any communication 

I can afford to pay the mortgage

15 day warning notice received advising they will seek to apply to repossess.

 

any help much appreciated 

 

Thankyou 

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Hi - who has been paying the mortgage until now - you or your ex partner ?

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Hello.

Thankyoi for replies.

 

lender RBS.

 

Ex partner chose to pay mortgage in lieu of child maintenance.

 

Not made aware by them BUT had stopped paying but

£1900 arrears

 

- wrote to lender to advise of situation and that I was seeking to remedy and could pay mortgage.


advised they can’t discuss with me and to try to get written agreement form signed from ex to deal with me. Without this I was unaware of arrears figure or payment costs.  This has not been given. Ex partner will not respond to them or me. 


I have since proceeded to make monthly mortgage payment myself since. However the arrears outstanding, 


have now received a 15 day notice ( with the exact arrears figure ) and have questions on whether if this is paid by myself this will stop proceedings ? 


thankyou for any help much appreciated 

 

 

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Hi,   if all arrears are paid then repossession cannot take place.  However - I do think you should consult a solicitor regarding your position and the fact that you ex has stopped paying the mortgage and child maintenance.

 

Is there any written acknowledgement from your ex regarding the arrangement ?

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Hi,   I have sent you a message that you can reply to.  While we do not usually keep information off post we do understand that sometimes there are private details that may be recognised.

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  • dx100uk changed the title to RBS- Repossession specialist help please

Hi, thanks for giving details.   As discussed I think that, in order to buy time to get the property status sorted, you could pay the arrears - this would stop any further repossession action. You can then consult your solicitor to progress things.

 

Please keep us updated regarding the possession issue in case you need help with that, and don't hesitate to come back whenever you feel you need support - we will always try to help.

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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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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