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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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my case has been stayed


jenny159
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Hey Jenny

 

Can you type up the letter you have had, and a bit of background on your case.

 

Hundreds have applied to overturn these stays but only a couple have been set aside in cases of financial hardship (ie the charges were taken from benefits etc )

 

 

Is the stay on the courts own motion or on application from the bank ?

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before dj Besford at kingston upon hull

 

on 12th sept the papers in this claim were considered by dj besford and upon it appearing to the court that

a) a test case has been issued in the high court between the oft and certain banks with a view to determining issues of legal principle in relation to the recovery of charges made on current accounts and the applicability of the unfair terms in consumer contracts regulations.

 

b)further info in relation to the test case can be found on oft website

 

c) the issues raised will affect this claim.

 

it is ordered that

1) this claim is stayed until further notice with a view to awaiting the final decision of the test case which will also inlude any appeal made by the banks.

 

2)either party may apply to have the stay set aside by application on notice in accordance with the civil procedures rules 1998 part 23

 

 

 

i took hsbc to court and the papers were transfered to hull in may but we recieved no corrospondence from them at all and whenever we contacted them we were told that the dj had our file and we would hear something within a week this went on for 4 months how fair is that

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Hi Jenny

 

I wrote to the DJ @ Horsham, to have the stay set aside... he would not grant it off his 'own initiative'.... that was at the cost of a furthur £30.00

 

However I can apply for a hearing now with the DJ to discuss why he will not lift the stay, and have the privilege of paying another £35.00 to do this.

 

so sum total to Horsham court, to date alone is £310.00

 

Good lord ... the judicial system is making a mint out of this...

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no i wasnt one of the 44 but was told by the court clerk that the dj was just piling up the cases and not dealing with them people i knew were taking their bank to court long after i did an d got court dates surley this isnt right what he has done and yes it does seem to look like another money making [problem]

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Hi Again Jenny

 

I am not in favour of Templated Stay Appeals just for the sake of it , it just cloggs up the system . When Judges see a mass of stay removal applications each saying exactly the same thing most just add them to the pile and they get ignored . If someone has a genuine need to have their stay re-appraised for severe hardship reasons or risk of further debt etc then by all means apply. Otherwise the genuine cases are at risk of being overlooked and forcing people into more hardship . I have managed to successfully get a stay overturned for one claimant against Natwest and hope to be successful again. I would be happy to give you details of this if you PM or email me .

 

Good Luck

 

Jules

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