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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • @dx100uk no, haven’t received any correspondence as of yet. Still waiting on a court date but seems to be taking forever. Have noticed an increase in unhappy customers on here
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Reposession advice - terrified


Frenchielover

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Hi there

I fell into arrears with my second mortgage back in 2012 & the lender got a suspended possession order.

Since then I have made repayments on the account but not regularly due to my circumstances but I have always spoken to them so they are aware.

I have only made one payment in 2023 with various health issues & a reduced salary but haven’t spoken to them.


I called them today as they have sent me through a letter advising they are applying for a warrant of possession to talk to them about a repayment pla, n to be told that they are proceeding with litigation so to get a solicitor.

I really need some advice on next steps or who to speak to as don’t know what to do.

can anyone please help? 

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You need to tell us something about the values involved.

I'm afraid that failing on a scheme of regular payments and certainly not talking to the creditor is a very bad idea – but you probably realise this now.

Under the things that you can do to help yourself is to start making some payments quickly. If you can make a lump-sum payment and then an undertaking that you will resume the instalments – then that will help. You need to do this in writing that you need to make the payment – even if they say they won't accept, make it anyway.

More information please

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Welcome to the Forum

 

I have moved your topic to the correct sub forum Repossession Advice .

 

Andy

 

.

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Hi there,  firstly you need to work out what you can afford to pay towards the arrears in addition to the normal monthly payment - if the lender does apply for a warrant of possession then the only action you can take is to defend by applying to the court for a hearing to suspend possession and you would need to have offered a payment plan that you are able to maintain.

We also need to know the following:

How much are the arrears?

How long has the mortgage left to run?

Is your primary mortgage up to date?

I can help you with a letter to the lender once you have worked out what you can offer and have answered the above questions.

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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Apologies for the lack of detail first time round. Bit of a panic post.

I owe £15,123 of a £45,000 loan that comes to an end on 28th Feb 2029.

I don’t actually know the amount of arrears. I asked for a statement today.

My repayment plan previously was £350 including around £33 towards the arrears which I offered today but they won’t negotiate. I’m not in a financial position to make a lump sum payment only monthly payments. 

My primary mortgage has 3 months arrears  on it. I only have 2 years remaining on it and it will be paid up to date. 
 

I realise I should have spoken to the lender once I couldn’t meet the payments but I stupidly buried my head in the sand. Won’t ever do that again. 

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Are you making payments towards the arrears on your primary mortgage?

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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Hi,   you should fill in the affixed budget sheet - it calculates as you complete it) - as you'll need to send it with your offer letter to the lender.  This will help your case if we have to defend in court as the judge will see you've made an effort to  come to an arrangement with the lender.

Let me know when you have completed it.

Are these mortgages in joint names or just yours ?

I have to go out this evening but will check back with you tomorrow.

Budget Sheet - Blank.xlsx

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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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Hi,  looking at your budget sheet how much can you afford to pay towards the arrears on the second mortgage in addition to the normal monthly payment?

Have you received confirmation of how much the arrears are?

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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Hi

At present it would only be £50 a month on top of the set monthly payment.

I still haven’t received the info I asked for from them regarding the arrears. I will look through my paperwork over the weekend to see if I can see the amount.

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  • 2 weeks later...

Morning

Is it worth making a DSAR to get the information I need regarding the arrears?

I'm getting nowhere with them by phone. They keep fobbing me off saying the full amount is the arrears & none of the recent correspondence gives me an amount.

Thanks

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  • 2 months later...

Hi, just wanted some advice on this topic. Since my last post I have been making payments to this account & agreed to make a lump sum payment. They agreed to hold the account until next week.

The post arrived today & I have received court papers for a January hearing from them. No mention of this at all in all the previous correspondence. Is this normal? What should I be doing?

I would appreciate some help & guidance as to my next steps.

Thanks

 

Edited by Frenchielover
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