This week I had another Court case as part of Moneybuddy’s Home Rescue Service, which helps clients stop repossessions and evictions. It is a great alternative to selling your home cheaply to fast cash house buyers (at a huge loss!).

I only heard about the eviction warrant date on Monday 19th September at 5pm. The client didn’t live at the property, as it was a rental (BTL) property and all the Court papers had been served by Stoke County Court to the rental property address.

As the client had been out of the UK on business, they hadn’t received any paperwork from the Court and had only just opened post which had been sent by the lender’s solicitors.

Needless to say, I had a very short amount of sleep that night as I have to put an N244 defence form to file with the Court for an emergency hearing with a District Judge to stop the eviction at 9.40am on Tuesday 20th September (the next day). By the time I had heard about the eviction warrant and tried to speak to the solicitors who were pushing for repossession, the Court had closed in Stoke.

After continually ringing the Court until about 6pm, I eventually managed to get through to one of the managers at Stoke County Court and spoke to a very nice lady there (who is getting a bouquet of flowers from me!) who told me to get into Court the next day by 9am so we could file an emergency hearing application.

It was a bit “touch & go” in the Judge’s Chambers and they did give the clients a bit of an ear bending (which is normal) about why they hadn’t paid in accordance with previous Court arrangements. The solicitor for the mortgage lender got the case at the very last minute, and wasn’t as good as we were in Court.

Finally, the lady Judge said she would give my client one more chance, agreed to reduce the monthly payments over the term of the mortgage, rather than what the lender wanted (over 12 months) and suspended the eviction warrant.

Result! I was exhausted as was my client, but happy to have saved the property and saved the day.

If you know anyone who might need our help in stopping their home from being repossessed and them facing eviction, (or any property investors/landlords who might be about to lose their rental property) whatever stage they are at, please pass on our details to them and hopefully we can save the day for them too!

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I’ve been rather silent of late on the site, because I have been doing some training about Freeman concepts for getting rid of debt.

For anyone who has not heard of the Freeman Movement – it is an alternative (and probably more real/accurate) view of the world we live in. It relates back to the original law of the land and applying that to current day living, including debts and finance,  rather than the current law system which is enforced in the UK Court system.

The basic argument behind the Freeman movement, specifically in relation to debt and finance here, is that there is that Admiralty and Contract Law apply to almost every aspect of the Court system. However, the whole debt collection, finance and Court system in the UK is being used against it’s citizens, and those citizens are at a severe disadvantage as a result.

An example of this was the case I mentioned a couple of weeks ago now, about a couple in London and their eviction hearing (which we won!). I managed to highlight issues of mis-selling against the lender (Central Trust PLC) which are to be heard at another hearing.

My client asked why no other solicitor or barrister they had paid to help them, had spotted what I easily spotted and presented in Court during that eviction hearing. The answer I learned later on, was that solicitors are trained to abide by the apparent laws of the land and must curry favour with the Judge and behave in a certain manner to retain their license to practice law.

This means that you as the client, are at the bottom of the food chain and solicitors and Judges are quietly stitching up good law abiding citizens like you and me, in civil Courts all over the country on a daily basis.

This opinion and realisation has been further supported by investigating other cases for clients who have had CCJs and Charging Orders granted by Judges in the Civil (County) Court system. One would expect a Judge to ask a solicitor bringing a claim for a CCJ or Charging Order, for verification that a debt actually exists, that the debt amount of the claim is indeed correct, and whether they have tried all methods of sorting out the debt prior to Court action (pre-action protocols). The Judge generally doesn’t bother with this at all. And if you fail to attend a County Court hearing, you will be deemed to be guilty or have your defence quashed automatically.

Apparently, the person bringing the claim is in a position of “honour” in the legal system, and those defending their corner are seen as being in a position of “dishonour” and therefore in a weaker position.

So, we all need to learn how to defend ourselves and pro-actively fight against any potential Court action which unscrupulous lenders,  uncaring and unlawful Judges and solicitors abuse to our cost.

Look out for more articles under the category of Freeman for more information and in our Letter Templates section in our RESOURCES area.

Also, if you are interested in how screwed up the world financial system is and what games the Government, the banks and lenders play on us as citizen, read this excellent free book by Mary-Elizabeth: Croft. which will well and truly open your eyes….and make you very angry!

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Money Saving Tips: The Art Of Complaining

August 30, 2011

As anyone who has read my blog before knows, I highly recommend constructive complaining to faceless corporates and those companies in particular, that treat us poorly as consumers. I enjoy it just as an exercise in personal rebellion but also as I hate wasting money and hate being taken for a ride by such companies! [...]

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7 Questions Quiz – How good are you at complaining?

August 24, 2011

Have a go at this fun, 7 question quiz to find out just how good you are at complaining? I thought I was a mistress of complaining…and my friends would totally agree…but apparantly I am rather poor at complaining, or at least seeing a reason for these complaints. http://www.bbc.co.uk/news/magazine-14630224 Enjoy – let us know how [...]

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Lowells Debt Collection Services

August 17, 2011

I had yet another great offer through the post today, from a debt collection company. This time Lowell Financial Ltd, who were apparently “Debt Purchaser of the Year” in 2010 and 2007 according to the footnote on their email to me. They could be really helpful and even let me pay them £1 per month. [...]

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#LondonRiots – an important lesson

August 9, 2011

I am shocked and almost speechless at the scenes of looting and mindless violence on the news this morning. In fact I was rather agitated about it for several hours. Last night it nearly made me cry, listening to Mr Reeves, a shopowner in Croydon who’s shop had been burned down in the riots. The [...]

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World Financial Crisis this week – I missed it!

August 7, 2011

I tuned into the news on Friday, having not watched the news for a week or so, only to find out that I seem to have missed the global financial crisis which has been happening this week! Why then, am I not particularly bothered? Well, at the end of the day, we seem to have [...]

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Pensions rip-offs continue – are you being ripped off?

May 27, 2011

After having looked into my own pension provision from my previous well paid career, I realised that fees were just being deducted and my pension fund wasn’t getting any bigger. So I decided to bite the bullet and learn more about pensions planning myself – as I always advocate…don’t leave financial matters to someone else [...]

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Stopping Your Home Being Repossessed

April 26, 2011

Over recent months I have helped a number of people having their homes repossessed, and been to Court with them. For many people, the fear that they will lose their home, sends them into a blind panic. They are too embarrassed to talk to anyone they know about it, and will often try to seek [...]

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Insurance claims help & advice

April 24, 2011

After many years of holding various insurance policies, I had a flood in a rental property I own while it was empty over Christmas. Claiming to repair the damage and for loss of rental income has been a nighmare and unresolved for 4 months now. To add insult to injury, I then suffered damage to [...]

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