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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • 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
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ge money help!


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the thing thats making me laugh is that they have put on the letter recieved today to attend the court hearing on the 28th of february when actually the court hearing is on the 25th of february im hoping they have got their dates wrong and dont turn up :D

 

...now wouldn't that be good:D

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it would make them look stupid:D and im not going to tell them:D

 

Please dont risk it.

 

Their claim can be heard without their presence, as long as they have put their application in writing.

 

Check the listings with your local court, and be there when you should.

 

Let them worry about the rest.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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it would make them look stupid:D and im not going to tell them:D

 

Please dont risk it.

 

Their claim can be heard without their presence, as long as they have put their application in writing.

 

Check the listings with your local court, and be there when you should.

 

Let them worry about the rest.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Tony is right - go to the hearing on the day and time you have been advised on the documents from the court (ring them next week to check nothing has changed). I know it sounds amusing to think of them turning up on the wrong day, but I certainly wouldn't bet on it.

 

Kind Regards

 

Ell-enn

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

 

 

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Tony is right - go to the hearing on the day and time you have been advised on the documents from the court (ring them next week to check nothing has changed). I know it sounds amusing to think of them turning up on the wrong day, but I certainly wouldn't bet on it.

 

Kind Regards

 

Ell-enn

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

 

 

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Maybe they have deliberately got the date wrong as a double bluff in the hope that you don't turn up on the right day. Wouldn't put it past them:rolleyes:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Maybe they have deliberately got the date wrong as a double bluff in the hope that you don't turn up on the right day. Wouldn't put it past them:rolleyes:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i've just received there solicitors witness statement and that has the right date on it:mad: :D never mind, the good thing about that was it had the original morgage documents attached and we couldnt remember wether our morgage was fixed for 2 or 3 years luckily its 3 so it doesnt end till next year and thats also when we dont have to pay the early redemption figure no more so it will be perfect time to move or swith companys.

also with fixed rate morgages can they increase your payments if you are in arrears?

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i've just received there solicitors witness statement and that has the right date on it:mad: :D never mind, the good thing about that was it had the original morgage documents attached and we couldnt remember wether our morgage was fixed for 2 or 3 years luckily its 3 so it doesnt end till next year and thats also when we dont have to pay the early redemption figure no more so it will be perfect time to move or swith companys.

also with fixed rate morgages can they increase your payments if you are in arrears?

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I don't think so, Kensington didn't with us.

 

The only increase is what has been ordered by the court to cover the arrears in our own possession hearing, so I would imagine that would be so with you too :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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I don't think so, Kensington didn't with us.

 

The only increase is what has been ordered by the court to cover the arrears in our own possession hearing, so I would imagine that would be so with you too :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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i'm a bit worried we have our court hearing next monday and our payment is due today we made an arrangement to £750 but i only have £700 which is still £210 over our normal monthly instalment im just worried its going to look bad on us

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i'm a bit worried we have our court hearing next monday and our payment is due today we made an arrangement to £750 but i only have £700 which is still £210 over our normal monthly instalment im just worried its going to look bad on us

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just rang ge and paid the £700 , he was a right arrogant pratt , saying that they agreed to go for a suspended possession based on the agreement and now they will have to go for repossession because we broke that agreement and they wont accept another arrangement its that or nothing

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just rang ge and paid the £700 , he was a right arrogant pratt , saying that they agreed to go for a suspended possession based on the agreement and now they will have to go for repossession because we broke that agreement and they wont accept another arrangement its that or nothing

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Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

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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Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

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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Try not to worry to much. You made a payment that was ONLY a little bit short. At least you paid. IF they take action you are the one that looks in this as we all have bad months and you didnt ignore it which is what I would have done a while back.

 

These people are just bullies. My six year old has a saying Bullies arent brave. As long as you continue to make payments IF it goes to reposession then you will be OK. I walked into the court room last week and I hadnt made a payment in a year. I had a expenditure and income list and made a offer that I could always afford that way I can look good most months by paying more and my hard up months I can still pay.

 

At the end of the day as soon as GE take into court they loose all control of what can and cannot be paid. After last week I think it was the best thing that happened to us going to court as we made a realisitic offer not one that was in the spare of the momement because we got scared. (the previous offers had all been offered like this) and it got accepted by the judge. Kensington were the ones that looked foolish as the solicitor said that they would not accept any offers of payment. As long as you can have arrears paid up before the mortgage ends then you will be fine I am sur of it.

 

We are not the criminals here they are.

 

Hope this helps a bit.

 

Olives;)

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Try not to worry to much. You made a payment that was ONLY a little bit short. At least you paid. IF they take action you are the one that looks in this as we all have bad months and you didnt ignore it which is what I would have done a while back.

 

These people are just bullies. My six year old has a saying Bullies arent brave. As long as you continue to make payments IF it goes to reposession then you will be OK. I walked into the court room last week and I hadnt made a payment in a year. I had a expenditure and income list and made a offer that I could always afford that way I can look good most months by paying more and my hard up months I can still pay.

 

At the end of the day as soon as GE take into court they loose all control of what can and cannot be paid. After last week I think it was the best thing that happened to us going to court as we made a realisitic offer not one that was in the spare of the momement because we got scared. (the previous offers had all been offered like this) and it got accepted by the judge. Kensington were the ones that looked foolish as the solicitor said that they would not accept any offers of payment. As long as you can have arrears paid up before the mortgage ends then you will be fine I am sur of it.

 

We are not the criminals here they are.

 

Hope this helps a bit.

 

Olives;)

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Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

 

 

 

HI how do i go about writing the statement? i wrote to ge telling them that the amount we originally offered was going to be impossible, and offered a lower amount , i also sent an income and expenditure form but this isn,t really accurate, my husband has an attachment of earnings order on his wage for unpaid council tax, which took a bit lump of his wage this month , i was thinking of taking my husbands payslips with me also our tax credits award notice as this has been reduced till april and these have both happened since i filled out the court papers, so our income isnt always the same every month, i would prefer to make an arrangement for an amount i know we can comfortably afford and then if we have a bit extra one month then pay a bit extra , i have kept copies of the letters ge have sent me also a copy of the letter i sent them, we are aiming to get to the court early so we can see the woman from the cab as its almost impossible to see anyone in the actual office. our arrears are about £1400 now so we have paid £500 off them since january, im really worried now though the man at ge was really horrible

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Hi there, OK you now need to take a writtent statement to court with you basically telling the judge that you agreed to an amount which was more than you could afford because you felt under pressure to do so.

 

£250 per month on top of a mortgage payment is far too much and the judge will realise that. There is no point in offering an amount that you cannot sustain in the event of any unexpected expenditure - what happens if your washing machine or central heating boiler breaks down?

 

You should do a new income and expenditure form showing that you can only realistically pay an extra say £150? per month on top of your mortgage payment.

 

Attach the I & E to your statement (I can help you write that if you need help) and take three copies to court with you.

 

I am sure the judge will be on your side, the don't like it when mortgage companies try to make people pay more than they can afford.

 

Kind Regards

 

Ell-enn

 

 

 

HI how do i go about writing the statement? i wrote to ge telling them that the amount we originally offered was going to be impossible, and offered a lower amount , i also sent an income and expenditure form but this isn,t really accurate, my husband has an attachment of earnings order on his wage for unpaid council tax, which took a bit lump of his wage this month , i was thinking of taking my husbands payslips with me also our tax credits award notice as this has been reduced till april and these have both happened since i filled out the court papers, so our income isnt always the same every month, i would prefer to make an arrangement for an amount i know we can comfortably afford and then if we have a bit extra one month then pay a bit extra , i have kept copies of the letters ge have sent me also a copy of the letter i sent them, we are aiming to get to the court early so we can see the woman from the cab as its almost impossible to see anyone in the actual office. our arrears are about £1400 now so we have paid £500 off them since january, im really worried now though the man at ge was really horrible

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Please don t worry. I know I am no judge but he will see that £1400 is nothing to these guys. Even if you offered £25 a month the arrears will still be paid in 5years. Like Ell-en says the courts dont like the way these people work. As long a you can show you can afford to pay. They really dont want people to loose there homes..

 

The man at GE is being paid to sound really horrible at the end of the day they are just robots on the end of a phone. He cant make them decisions about going to court it is the people higher than that.

 

PLEASE PLEASE dont worry. Everybody on this forum is here to help you. You are not alone.

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Please don t worry. I know I am no judge but he will see that £1400 is nothing to these guys. Even if you offered £25 a month the arrears will still be paid in 5years. Like Ell-en says the courts dont like the way these people work. As long a you can show you can afford to pay. They really dont want people to loose there homes..

 

The man at GE is being paid to sound really horrible at the end of the day they are just robots on the end of a phone. He cant make them decisions about going to court it is the people higher than that.

 

PLEASE PLEASE dont worry. Everybody on this forum is here to help you. You are not alone.

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