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    • the councils notice to owner wasnt even addressed to YOU at your home address as the named driver.  the NHS should have responded to it naming you to the council as the leaser THEN the council should have sent YOU new PCN to your address this resets everything back to £25 if paid within 14 days, else £50...NOT £159. i will guess they didn't? so you neither saw nor got the YELLOW PCN sticker envelope from the windscreen of you car at the time of the offence, nor were sent one later in the post, this PCN is probably appealable -  use the forms i pointed too above (ONLY do this if you def never saw/got a PCN dont appeal if you did) lie )  now as for the bailiff ...you said earlier: what cause you to ring the bailiff? you must have gotten the Notice Of enforcement through your letterbox NOT a txt or phonecall.  lastly... the NHS where you are should NOT BE DOCKING YOUR WAGES FOR UNPAID COUNCIL PCN's (if thats what this code 236 is in your lastest PDF?) if you've a union there id go have a chat with their legal rep. anyway look im not being funny but you seem all over the place so we cant really rely upon just today's story .... with CCJ's toll fees  PCN's wages being docked  and poss debts too? you must be all over the place...hence the pirate ship comment. if you want help with all of it. get your head together on each problem start a thread on each (even debts) and WE WILL HELP. just before i go. it makes me laugh a finance company arnold clarke paid a toll fee £2.20+£32 admin fee + £20 their FEE... have you always had the same car since last summer? thats totally bonkers for them to even be involved in.    
    • It is my work lease car address (hospital). They added 12.50 too for admin fees 🤨. Lease.pdf
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Mortgage express repossession scotland


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Hi,  we will need quite a bit of information before we can advise fully.   Can you answer the following please:

 

Do you have a date for the hearing and what notification have you received regarding the repossession?

How many months in arrears are you?

Have you communicated with the lender at all regarding the arrears?

Are you working and able to pay a bit towards the arrears every month ?

Is the mortgage in joint names or just yours?

 

As soon as you answer the above we can get to work on helping you  🙂

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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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Hi thank you for the replies.

 

I know this sounds unbelievable but I'm not sure what stage It's at as I've buried my head in the Sand and pretended it's not happening 😪 

 

have crippling anxiety and depression and my daughter is neurodiverse/self harming/eating disorder and suicidal so things have been really tough at home too.

 

We have a webex hearing on the 1st March and I've been reading that i can do a "minute for recall" as we haven't replied or represented ourselves at any point 

 

Thing is I have a pretty good job but my wages were arrested for council tax for almost 3yrs and Things got very tight 

 

There is 50k left and 6k arrears 

 

It's actually only in my husband name as we bought in 2006 when i was having babies!

 

Any advice would be appreciated x x

 

Meant to say, I wrote a letter to them yesterday detailing everything, I'm happy to share privately if helpful 

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Thanks for replying - if the outstanding mortgage is 50k and the arrears 6k then the situation is certainly retrievable - how much could you afford to pay towards the arrears each month in addition to the normal monthly mortgage payment?

 

Also, how long is left on the mortgage (years/months) ?

 

Do you have any court paperwork ? I need to know what documents you have been sent

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.

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you cant use a minute to recall on mortgage arrears resulting in a repo hearing..sorry.

 

99% of scottish courts ive been in have an advocate or solicitor or volunteer cab person whom are there everyday from 10am specifically to help on repo cases.

 

we desperately need to see the court paperwork please

scan it all up to one mass pdf 

read our upload guide 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... 

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sort of .....Can we have page 2 of page 3 of your PDF above please?

 

it appears Mortgage express TRIED to attain a unopposed repo degree dated 2020-09-29 but due to covid and latterly some payments, held off , it got sisted (sisted = stayed) and never got granted. this is a good point.

 

did you ever get a default notice? important

 

a section 24 notice? important

 

you are most probably able to get free legal advice even at this late stage 

contact 

 

note for @Ell-enn

 

forget the silly names used in scotland and differing processes , bottom line this is appears to be a suspended possession order they are trying to now enforce.

 

your usual advice as per E&W should work, i'll findout if there are forms to use if i can .

 

 

 

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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SCOTLAND.SHELTER.ORG.UK

You have rights if your home is being repossessed, and you could negotiate with your lender to stop it from happening.

 

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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they are entitled to serve on the premises . stop looking at 'excuses' to poss negate their process of what they did.

not worth going there.

 

i need page 2 of the attached extract from your upload earlier please.

 

 

 

Pages from mortgage letters (3).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... 

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I'm honestly not looking for excuses, but I understand why it looks that way. This mess is completely our responsibility and I may have lost the home my 3 children were brought home from the hospital to, and I'm devastated.

 

The reason for me mentioning it is just that I was shocked that such an important and time sensitive legal document wouldn't need to be sent to us by recorded delivery or at least made sure they handed it to the intended recipient 🤷‍♀️

 

I really do appreciate the advice x

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Hi,  I strongly suggest that you contact Shelter Scotland tomorrow morning  0808 8004444 - they will guide you through the process and documentation, it's what they do every day and they have people who can represent you in court.

 

https://scotland.shelter.org.uk/housing_advice/repossession_of_your_home

 

Let us know how you get on after the phone 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.

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