Jump to content


  • Tweets

  • Posts

    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

OH's EGG Loan CCJ - now want voluntary Charging Order On jointly owned Property


Recommended Posts

Is there anything that can be done?

My hubby took out a loan with Egg.

We got into terrible financial trouble when he had work problems.

He arranged lower monthly payments with them but eventually he couldn't even afford this.

We asked for time to pay and they gave him a couple of months grace then took him to court which ended up with him getting CCJ and an order to pay the whole amount plus costs.

Of course he could not do this so he wrote to them giving them a full list of income and outgoings and an offer of monthly payment:

he sent a cheque for the first instalment.

They cashed the cheque about a week and a half ago.

A couple of days ago we both received a letter and forms to sign as they had applied for a charging order against our house.

The loan is in just his name: the property in both our names.

The letter reads that we cannot object to the order on the grounds that we are negotiating an offer of repayment.

 

Does anyone have any advice for us please?

Link to post
Share on other sites

HI Hogie

Have a look at this link. It is from the court service Time to Pay: Voluntary legal charges

In this you will see that the creditor (EGG) cannot and should not approach the debtor (your hubby) with the initiative of a legal charge.

Write to them and tell them you have researched the subject and understand that they cannot approach your husband about it.

Keep a copy of the letter and send it recorded delivery so you know it has been delivered.

Send them a further income and expenditure sheet (be careful dont rely on possible overtime and make sure all priority debts are covered first) with an offer of a monthly payment.

Tell them if they will not accept it them you will apply to go back to court and have it heard in front of a judge. J

udges do not like anybody wasting courts time and as long as you have evidence of trying to make a reasonable offer per month (use statements to show payments made already and letters sent to and from EGG as evidence)

then I am certain the judge will accept your offer if it is reasonable.

But i doubt it will go that far...EGG will prob accept your offer once they realise you are serious.

Hope this helps

 

Link to post
Share on other sites

Guest ChloeJane

Hi there,

I wouldn't sign it as the house is in both names and debt only in one.

The arguments you can use against the order being made if they seek one, will vary depending on your circumstances, whether you have any other debts, whether you have equity in your house and own your home in joint names or on your own.

If the debt is very small in comparison to the amount of equity in your home, argue that a charging order would be unfair.

If the debt is in your sole name, but you own the house in joint names with someone else, they have the right to tell the court all the circumstances and why they would suffer hardship if a charging order is made.

The co-owner will need to file and serve written evidence of their objections at least 7 days before the hearing.

CJ

Link to post
Share on other sites

  • 16 years later...

There is a Restriction K on my property: the property is in joint names, the debt is in one of those names only.

The original lender, after securing what they thought was a Charging Order, then went on to sell the debt to a collection agency about 15 years ago.

Since then the debt has been sold on two more times.  

My question is this,

does the Restriction transfer to the new owner of the debt?

There is so much conflicting advice regarding Restrictions I really don’t know where to begin to get information.

The property will probably never be sold in our lifetimes but I am wanting to get this Restriction removed.  

Thank you.

Link to post
Share on other sites

Have you received notification that the judgment debt has been assigned (sold on) ?  If not they would have to inform the court for a name change if they wished it to legally stand.

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

Link to post
Share on other sites

Thank you for your reply.

Every time the debt has been sold on we have received notification from the seller and the new owner.

Never have we been told that the new owner applied to have the Restriction updated.

Would it be worth trying to find out what details Land Registry currently have shown on their files? 

Link to post
Share on other sites

If the latest owner is registered on the Land Registry with regards to the restriction then its all in order and even if not if its under the previous assignee the restriction will still be legally valid. Normally the Land registry is invariably never updated but its still legally valid.

I'm not sure how you intend to remove it or for what reason as most restriction k charge are irrelevant and even more so if you never intend selling.

  • Like 1

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

Link to post
Share on other sites

Thank you

I now have a greater understanding of where we are at with this.  

My reasons for removal is firstly that I do not want my beneficiaries to have to deal with this in the future when they inherit the property and also that we are still repaying a monthly amount to the current owner of the debt and would very much like to make this “go away” somehow.  Wishful thinking..

Link to post
Share on other sites

Well it wont be removed until its paid in full no matter how long it takes...or whether you wish to try to negotiate a full and final settlement which would be surprising if they did accept as they have the higher ground and the restriction simply sits as a security of the judgment debt....but you never know money talks to DCAs

Into the future I wouldn't be too concerned if the restriction is still in place at the time of inheritance a good conveyancing solicitor should disregard the entry...only the jobsworths actually take notice and fall for settling it.

 

 

.

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

Link to post
Share on other sites

2 hours ago, Hogie said:

Would it be worth trying to find out what details Land Registry currently have shown on their files? 

That's easy to do online and only costs £3, although as noted the LR entry may not be fully up to date.

But if only to satisfy your curiousity you can download a copy of the Title Register for your property here (you don't need the separate Title Plan). The Restriction K should be noted on it.

Search for land and property information - GOV.UK (www.gov.uk)

If it's the first time you have used the Land Registry to get a copy of a Title Register you will need to set up a Land Registry account first (free).

  • Like 1
Link to post
Share on other sites

why are you paying this at all?

you do realise this money is not going off any debt but they go straight down the pub with it each day or have free holidays on your money.

when was the ccj and what was the debt all about please?

and how did these payments come about?

did the judge order this or you go scammed by whomever to start paying afterwards?

you are being cash cowed

please dont tell us this is your OH's EGG Loan CCJ from 2007?

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... 

Link to post
Share on other sites

  • dx100uk changed the title to OH's EGG Loan CCJ - now want voluntary Charging Order On jointly owned Property

It is indeed Egg, what a good detective you are.

The debt has now been sold on two maybe three times.  

We have been paying a minimal amount for some years now as too scared not to.

Don’t want the current owners of the debt to make us sell up.

Link to post
Share on other sites

stop paying now

they nor no-one can ever get an order of sale on a restriction k whoever told you that want shooting.

you did not ever need to pay a penny to anyone.

stop paying ignore everyone. NOTHING they can ever do!!

On 09/05/2007 at 19:13, Hogie said:

A couple of days ago we both received a letter and forms to sign as they had applied for a charging order against our house.

please dont tell me YOU and your OH's Signed the forms ...You DIDNT did you?
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... 

Link to post
Share on other sites

Yes I imagine we would have signed.

We went to court to try and persuade the judge not to grant the Court Order but she did.

We later found out that it was in fact a Restriction. 

Link to post
Share on other sites

if you signed the voluntary consent order there would have been no court case on it.

so back to my question, dont imagine think remember, disregard your partner whos debt this was.

did YOU sign any forms to do with the voluntary charge EGG tried to get. ?

and just for clarification as i dont think you did.

post up the exact text of the restriction from LR you got please

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... 

Link to post
Share on other sites

The text from LR is as follows:

RESTRICTION:- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to Egg Banking Plc being the person with the benefit of an interim charging order on the beneficial interest of **** ***** made by the ***** County Court on 11 August 2007 

 

Link to post
Share on other sites

so that is a restriction k so no need to worry about if you sign a voluntary charge , you didn't.

ignore them.

stop paying

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... 

Link to post
Share on other sites

  • 3 months later...

Following on from the advice given last year

- my OH stopped paying the debt collector acting for the current owner of our debt with restriction k attached.

After months of quiet, a new debt collector was appointed then another, then another.  

The latest debt collector has begun to push by letter and phone calls for the monthly payments to resume.

We don’t exactly know what we should say to justify stopping the monthly payments.

Have done a lot of Google searches to try and find similar situations as ours but haven’t found anything very helpful.

It seems that there is a lot of uncertainty and misunderstanding about the restriction k and what your rights are if you have them.

I know from previous conversations with CAG members that the restriction k is not as powerful as a charging order but would appreciate a bit more reassurance that stopping the payments is not going to get us into hot water and a lengthy legal battle.

Thank you.

Link to post
Share on other sites

threads merged.

thanks for the block of text with no line spacing nor sentences....now spaced.

nothing anyone can do 

the CCJ is far to old .

ignore, ignore, ignore and ignore again.

block and bounce ALL email addresses, report all txts to Span 7726, block all phone numbers.

as for letters if you wish to scan them to PDF for your own records them do so.

but apart from that give them to your pet hamster as bedding after shredding them.

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... 

Link to post
Share on other sites

  • 3 months later...

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...