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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
    • Car maker takes a hit from weakening demand and price war in the world's largest electric vehicle market.View the full article
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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Santander “Notice of execution of possession order”


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Hi I found this website and was wondering if someone could give me some advice on what is going to happen. 
 

I received a letter from Santander solicitors as I have fallen behind on my mortgage payments again after I got a suspended possession order last year. I’m self employed and business has been really slow since December so the money hasn’t been there.

 

Stupidly I haven’t spoken to Santander since January so they weren’t up to date with everything. I’m currently looking for full time employment so I can have guaranteed money coming in every month but until I do things will still be tight. 
 

sorry for the long story but I’m wondering what will be the next step if I can’t make an arrangement with the bank. They said if I can show affordability they may be able to stop the repossession but I need a job first. 
 

I read the pdf at the top of this forum but I’m not sure which section would apply to me or is that only to be used before this stage?

 

Also would the next letter be an eviction date or would I get the opportunity to go to court again?

 

I’m hoping I can get a job by then and have something to show the judge to say I can keep to the payments this time. 
 

any help or advice would be much appreciated. Thank you. 

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Hello Honeybee oh thank you for that I really appreciate it.

 

I’m trying not to panic but it’s quite scary and I don’t know what I’d tell my family if I lost my house or where I’d go with my son. 
 

Thank you in advance Ell-enn for any advice you can give. 

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ENGLAND.SHELTER.ORG.UK

Bailiffs enforce possession warrants after the lender obtained them from court and served a notice on occupiers.

 

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

If you want advice on your Topic please PM me a link to your thread

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there are lots of like cases in this very forum.

 

most came out ok.

 

ill look later.

 

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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Hi, sorry for delay in replying, I have been away for a few days.

If you have received a letter advising that the lender proposes to execute the warrant for possession then the next notice you will get is an eviction notice.   You will then have to apply to the court to have the eviction stopped but we can help you through that process.   However, the judge will need to be convinced that you can actually afford the repayments.

 

Is the mortgage only in your name?

 

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Hi Ell-enn,

 

No worries thank you for responding. Honeybee did let me know you'd be in touch 😊

 

Yes it is only my name on the mortgage

 

I looked through the forum and saw that I need to submit a N244 form (I think those are the correct numbers). If you could help with that, that would be amazing. Would I do that now or wait till the eviction notice comes through?
 

I have started to go through a budget sheet and the good news is I have now been offered a new job. The only problem is I have to pass a DBS check first which they said could take up to 6 weeks. I am still trying to find something temporary in the meantime but I wasn’t sure which figures I should put on the budget sheet. 
 

I was told to complete a budget sheet to, send an email with the job offer letter (which I’m waiting for) and also state the reason for not sticking to the court order. I’m again HOPING this can stop the eviction as they said a manager may be able to do that. However I’m worried about the time it might take to actually start the job. Will they be willing to give me another chance without a guaranteed payment date?

 

I know you probably won’t be able to answer that but if you’ve had any experience or seen something similar maybe I can put my mind at ease a bit. I haven’t spoken to them in a couple of weeks because I’m so scared just waiting for this letter to come in the post and trying to sort out stable employment. 

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Hi,  Firstly, lets get a letter done to the lender - that way if you do need to go to court the judge will see you have tried to come to an arrangement with them.

 

Do you want me to draft a letter for you ?   You should use the budget sheet shown in the repo guide thread - it calculates as you fill it in  https://www.consumeractiongroup.co.uk/applications/core/interface/file/attachment.php?id=18014

 

I can help draft a defence for the N244 form if needed so don't worry about that (I've done hundreds).

 

Ell

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If you could help with the letter that would be great. They told me to email it rather than send in the post. 
 

Should I complete the budget with my current income or what I will have after I start my new job? The current one probably won’t show affordability :(

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Do the budget sheet with what your new income will be - we will mention in the letter about the fact that it is a new job.  If you are in doubt about anything on the budget sheet let me know.

 

How much are the arrears ?

How much is the normal monthly payment and how much extra did you agree to pay towards the arrears each month?

How long is left to go on the mortgage?

 

I'm working at the moment but will do the letter when I get home so you can email it tomorrow - are you OK with editing Word documents ?

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

 

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Thank you! Yes I’m ok working with Word. 
 

I made a note these details on the weekend, but I was waiting for you to reply before I posted :)  

 

 

  • Arrears balance £15,072.86
  • Remaining term 13 years 5 months
  • To clear arrears over mortgage term: £94.21 = £552.38

The court order was to pay £582.55 which I believe included the interest on the arrears. 
 

Once I have a regular income then I’ll be able to manage that comfortably. The income from my own business will hopefully pick up so I’ll have that too to save for any emergencies that come up. 

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I read on other posts that some people were able to get their arrears added to the mortgage.

Do you think it’s work asking for that?

 

The arrears amount does scare me.

I think I read that after 6 months you can ask to have it capitalised.

 

I did stick to the payments longer than that but I’m not sure if Santander do that.

I did ask for it in writing before I went to court last year but I didn’t get a response. 

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I think you'd have to make payments for a while before asking to capitalise the arrears, they will want to see a good payment record.

 

How much is the normal monthly payment ?

Do you have the job offer letter yet?

 

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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OK,  so the court order was for an extra 125.00 per month.  If you can manage that it will get rid of the arrears quicker.

 

I have affixed a draft letter - you need to put your address at the top right and then their address (make sure you have the right one) and also enter your mortgage account no.  If you are emailing it you also need to ensure that you are sending it to the right email address - might be a good idea to ring them and check all addresses.  If it goes to the wrong place it may never get looked at.  Attach the completed budget sheet along with the letter and also  the job offer if it comes in time to affix - if not you will have to send that separately.

 

I strongly suggest you get this letter and budget sheet  off to them today as time is of the essence - it would be better to get this sorted before an eviction notice arrives.

 

Let me know if you need anything else.

 

Nikki-niks letter to lender.doc

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  • dx100uk changed the title to Santander “Notice of execution of possession order”

I recall the court order being for £80 something but Santander put me on a better interest rate to help with the payments because my current rate kept going up.

 

I’m expecting the job offer letter today but if it hasn’t arrived in time I will send it in later. They confirmed the email address with me the last time we spoke but I will call to check they have received it once everything has been sent. 
 

Thank you for the letter I’ll download it now and take a look. I really appreciate your time. 

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OK - put in the extra amount that you think you can manage but make sure it's not less than you have been paying under the order.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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If the normal monthly payment is £458.17 and the court order was for £582.55   then the difference you are paying towards the arrears is £124.38 (I rounded up to £125)

 

If a N244 is necessary then we will mention you have a son.

 

If you receive an eviction notice you need to let us know straight away as we will be under a tight timeline to get a court hearing.

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  • 3 weeks later...

Have you had a reply to your letter?

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