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    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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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Thoughts in your day


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I wanted to start this thread as a middle ground for 'What made you smile/swear today.' We have thoughts which don't make us smile or swear but you contemplate on an issue. What concerns you, what worries you, how you would rectify it. There's also the good things that work, you may have new ideas, a space for any thoughts you have on your mind.

 

My thought today is how large privatised companies can hold the country to ransom, being big and powerful and if there's a problem you will do our bidding. The Banks and energy companies come to mind.

Edited by determindator
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It is said the Chinese are chess players, play over the long term to win. The thing is finding out exactly what the prize is for winning. We have to make sure short term gain so prevalent in our society now, doesn't put us in a bad position long term. It's a concern when another country is investing so much so quickly, at what price?

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If some MPs feel they need a pay rise to meet their financial needs, how do they connect with people who do not earn any where near their current salary or those unemployed. They are advocating we can survive this 'austere' period so why can't they on the wages they earn. Simple really I suppose, they don'y do austere. I don't see that as leading by example.

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After a day surrounded by selfish, rude, strangers who are shopping for presents for loved ones, I suddenly thought to myself.................. Bloody hell I would hate for my family to feel its such a hardship to go and buy me a gift ! Yes its busy, yes its going to involve a queue, but come on, we have all had the same 12 months warning and head start............ yet 10 days to go you would think no one new this time would come until today ! ............. God bless ya xx

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Thinking of our precious grand-daughter Alisha Marie on what would have been her 8th Birthday, forever in our hearts and thoughts xxxx

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Good to see you SG:-D Hope your all goes according to plan. Nice violin piece in the song reminds me of the violin played in 'You wear it well' Rod Stewart 1972.

We performed on Weds, don't have to borrow mics anymore! Vid in the making so we can see how we performed.

 

I may go to a local tnite for mince pies and mulled wine. Mine prefer to watch Tottenham in the rain, good luck!

 

Christmas Supermarket Secrets BBC1tday very interesting.

 

Sounds an idea CD.

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The PM rejects a petition which had received 100,000 sigs in one day calling for foreign aid cash to go to British flood victims. Instead he pledged a blank cheque for councils to deal with the floods. He insists money is no object. He went on to say we are a wealthy country, we have a growing economy. If money is needed for clean-up, money will be made available. He vowed householders would each get thousands of pounds to help protect their properties against future inundations. Now, this is a very different take on the dreaded austerity stance. If we have a national deficit, how can we afford foreign aid? I think the public deserve transparency on what the master plan is, and they wonder why they don't get a majority.

 

Barclays will be adding to the unemployed claimants. That's bankers for you.

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"Agree with all of above" ............Also when did it become ok to rip off people in this country ???????????

 

 

AND WHY DO THEY CONTINUE TO........... "Get away with it" ?

 

 

Its time we all stand firm and say enough is enough............

 

 

I FOR ONE AM SICK AND TIERD OF THE UNLAWFULL GOINGS ON.... Apparently "WITH OUR GOVERMENTS HELP" ! ..............

 

 

WHO appear to be "LOOKING ON" AND JUST HUMMING ...........SWEET DIXSY !

 

 

Thank god for CAG and all the CAGGERS who believe in justice for all , Amen xxxxxxxxxxxWB

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If we have a national deficit, how can we afford foreign aid?

 

Because when your cushy job at Downing Street comes to an end, you use your contacts to gain a position in the UN as an Ambassador.

 

This guarantees a top wage, kick backs, nice hotels, 3 lunches a day plus banquets in the evening & all at the expense of most of the UK.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Because when your cushy job at Downing Street comes to an end, you use your contacts to gain a position in the UN as an Ambassador.

 

This guarantees a top wage, kick backs, nice hotels, 3 lunches a day plus banquets in the evening & all at the expense of most of the UK.

 

Stigman

 

:madgrin:

 

It's becoming clear to those affected by the flooding how the water is managed. It really wasn't transparent and we see again how the truth is air brushed. Climate change experts want that 500 mil to sort our long term flood management needs. Overseas aid should become home aid.

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We are starting to see the admission of the changing status of National Insurance contributions. It was set up to fund the state pension and the NHS, unemployment contributions? We are guided to understand, maybe for some time, it's use has had a wider scope. Maybe there was a concern people's concept was the NI contributions were for a specific reason, and there were certain expectations from that. I suppose it won't be long before it's amalgamated with tax deductions so it can be justified to be used for general use.

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I have a friend who is a registrar. There was a marriage to take place which was reportied to immigration. The couple could clearly not communicate with each other. Immigration was contacted and they said they did not have anyone available to get to the venue and intervene. The marriage had to go ahead because there was no one in authority to intervene on what was clearly a questionable 'marriage'.

 

Water cannons? What are you expecting? Social discontent? I wonder why.

 

Mr Clegg asked if the Government have any clout with bankers bonuses. His reply IMO was a resounding No!

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  • 2 weeks later...

The Church shouldn't have to feel they need to consult MP's before they speak out for the electorate, as IDS has suggested this morning. The Clergy know more about what's happening at grass roots I believe.

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why do some people think it is funny to view your house just to pass the time, have they nothing better to do? :mad2:

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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no Determindator, we are trying for a house swap/exchange and of course you get people who want to view to make sure it is for them etc, well am sick of people coming and saying the want the house blah blah blah and you make arrangements to go view theirs but before that you never hear from them again! We call them " window shoppers" or Sunday afternoon people with nothing better to do!

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Very frustrating for you and the family BC. Tell the authority you've got a problem with time wasters, maybe they can find a way to stop this, i.e the person viewing is obligated you can view their home. Hope you get the move you want soon.

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