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    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. 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. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations 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. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. 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. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This 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. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
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      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.

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

       

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We are being forced to have a water meter - Suggestions?


Guest 10110001
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Guest 10110001

A few weeks ago, we got this through our door:

 

1.jpg

2.jpg

 

I immediately wrote to my own water supplier Thames Water telling them we didn’t want a water meter and got no reply.

 

This morning we got this put through the door with the mail. It says we’re getting a water meter tomorrow.

 

3.jpg

 

I just phoned them and they say we HAVE to have a water meter TOMORROW and it’s a government thing.

 

Having a water meter:

 

1. Devalues our property.

2. Increases our insurance premiums as we need to cover for burst pipes losing metered water

3. We are paranoid every time we turn on the tap.

4. It’s an excuse to increase water charges and make increases less transparent.

 

 

Our house is modern with all water saving devices (6 litre toilet tanks, no tanks in attic/mains pressure/no overflow pipes/always shower rarely use bath etc). but we STILL don’t want a water meter.

 

Suggestions?

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Hey 10110001

i live around the corner from you (dont worry I am harmless LOL but you may want to remove your addy from view!!), and we have not received anything about water meters and we are with the same water company as you. have you checked with your neighbours? do they also have to have the work done?

Legally I am not sure where you stand, but I keep hearing that everyone will eventually be on a meter for water.

Sorry i can't specifically help, but have you paid all of your bills on time? I just dont understand as locally i have not heard of any government intervention regarding meters.

Definitely start with your neighbours, and see what they have been told (not advised!!)

Red

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Guest 10110001

I'll ask the neighbours and report back.

 

I pay the water twice yearly so no issues of late payment of bills.

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Hi. I've just been through southern water website. I can't find that phone number in any of their ,contact us, numbers or the address either. Have you tried ringing them on one of their other numbers? The main one seems to be 0845 278 0845.

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Guest 10110001

UPDATE:

 

 

We had our unwanted water meter fitted and following a solicitor’s consultation here’s the legal position.

 

 

When the name of the water utility bill payer changed, the water company is allowed to compulsorily change the supply so it’s charged by reference to volume (metered).

 

 

The legislation is Water Industry Act 1999 and there is no legal precedent (yet) when a metered bill payer faces a disproportionately high water bill following the change (meaning greater than the RPI for the previous 12 months) to reclaim his financial losses.

 

 

The water company cannot charge you for installing a water meter as it’s inconsistent with The Unsolicited Goods and Services Act 1971.

 

 

If you voluntarily opt in for a water meter, you can revert back to fixed-fee water billing within 12 months.

 

 

 

OTHER POINTS

 

 

A Water company can also force change to charging by reference to volume if:

 

 

1. You have a swimming/recreational pool larger than 4,400 gallons or a any pool that is replenished automatically.

 

 

2. You have a sprinkler or unattended garden watering device.

 

 

3. You change address

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Well 1011, it sounds as if you did everything you could (I am impressed about the solicitor!) , and I hope that even though your meter is unwanted, I hope that it still works out with reasonable water rates for you.

I think eventually as previously stated that we will all have to have a water meter fitted in the future!

Thanks for the update

Red

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Guest 10110001

Even though we are light users (we are Gatwick crew and out much of the time). I fail to see the benefits of having to pay for water via a meter.

 

We still have to pay a fixed charge for water at £24.57 a quarter plus our current waste water charge (to Thames Water) at £94.95 a year and the metered water bill is on top and charged at £0.76 per cubic meter.

 

The water meter is a charge increase.

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Oh 101 that is not good then is it? I was under the (wrong) impression that water meters were a good thing, in the sense that they could be cheaper. Should have known really that this was not going to be the case.

I guess that when your current rental agreement ends, if you decide to move from the property that you will consider the water meter as a factor, as this is a lot more money, and at time of writing we don't know how much in addition to the fixed charge you will end up paying.

Please keep me informed!

Thank you

Red

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Guest 10110001

Even if we move we cannot avoid a water meter because the company exercises Section 7(2)(b) of the Water Industry Act 1999, and that applies to anyone who buys our property.

 

Also the burden of liability for the pipe work under the front of the property passes to the consumer as this carries measured chargeable water.

 

There is no protection for the consumer for burst pipes even if it takes place out in the street.

 

Having just taken some photographs of our new water meter (covered in styrofoam) under the street (I lifted flap with a large screwdriver), we no longer have a stop cock or emergency shut off device at the metered water point, and it was replaced with this.....

 

watermeter.jpg

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Bloody hell 101, no wonder you were unhappy. It goes from bad to worse. Has said water company offered you insurance against any potential problems that may arise with your pipes? and is there any sort of guarantee or warranty along with this compulsory fitting? I guess not. I am really sad about this, where are the consumer's rights?

Sorry for my assumption that you were renting, and not owning!

red

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Guest 10110001

Im afraid we have no such insurance policy to cover pipes out in the street and we are committed to our current annual home policy. To add metered water losses to our policy increases the premium and we still pay the first £250 policy excess.

 

The law is definitely not on the consumer's side and obviously designed to bring price increases in water bills.

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  • 7 years later...
Im afraid we have no such insurance policy to cover pipes out in the street and we are committed to our current annual home policy. To add metered water losses to our policy increases the premium and we still pay the first £250 policy excess.

 


The law is definitely not on the consumer's side and obviously designed to bring price increases in water bills.


 

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  • 1 year later...
These AMR meters emit wi-fi radiation which has been linked to various diseased including cancer (by WHO).

 

Without verifiable, independent peer reviewed reports, this kind of statement is, um, codswallop.

 

There was similar scare stories about microwave cookers, then mobile phones - All have been since debunked.

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Without verifiable, independent peer reviewed reports, this kind of statement is, um, codswallop.

 

There was similar scare stories about microwave cookers, then mobile phones - All have been since debunked.

 

Nothing was debunked - you are referring to industry founded studies.

 

There is no doubt in my mind that wi-fi are affecting us in negative way. How do I know that?

 

Well we are looking at how they affect humans and I have to admit it takes much longer to see effects on people than on bacterias for example but let's not forget that we depend on the bacteria in our body! We know that bacterias have a much lower thresholds and are affected art much lower (thousand times lower) exposure levels.

 

The bacteria, fungi and other microorganisms that comprise your body's microflora actually outnumber your body's cells 10 to 1, and it's now becoming increasingly clear that these tiny organisms play a MAJOR role in your health—both physical and mental.

The impact of our microflora on our brain functions has again been confirmed by UCLA researchers who, in a proof-of-concept study, found that probiotics (beneficial bacteria) indeed altered the brain function in the participants.

 

So I am asking you to consider that if bacteria have much lower resistance to wi-fi radiation (wifi, smart meters, mobile phones etc) than are we not affected by this as well. Just think about that.

 

Problem is that you do not feel that it is RF that it's causing your illness because it is associated problem always misdiagnosed by doctors who do not even take RF radiation into consideration hence so many syndromes and unexplained illnesses such as autism early Alzheimer's etc just research it and start connecting the dots this is the only way you can see the whole picture.

 

stopelectrosmog.weebly(dot)com is a good source of information

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Thanks for that website.

 

I needed a good laugh.

 

I am glad, however only ignorant would laugh. The amount of over 200 experts, professors, doctors from all around the world can't be wrong. I listen to those because they do not need to please any regulatory body like those payed by the governments or by the industry. I have refused my AMR meter based on medical grounds and requested them that the radiation is harmless to living organisms (including bacteria). This can't be done so far so good. People need to learn how to hold your grounds. That's my advice.

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Can we please get back to the issue in hand and assist the OP.

 

Pete7811 If you wish to discuss the issue you raise further can you please start your own thread on that issue rather than on someone elses thread.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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