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    • Breaking News Biden wins Kennedy family endorsement Fifteen members of the storied Kennedy political family endorsed U.S. President Joe Biden at a Philadelphia campaign event on Thursday, with some joining him onstage, in a rebuke of Robert F. Kennedy Jr's independent bid for the White House. and 30 members in the extended Kennedy family   nytimes.com WWW.NYTIMES.COM Kennedys endorse Biden over their relative RFK Jr WWW.BBC.CO.UK Robert F Kennedy Jr is running for president as an independent - but many family members oppose him. More than a dozen Kennedy family members endorse Biden, snub RFK Jr. | CBC News WWW.CBC.CA President Joe Biden accepted endorsements from at least 15 members of the Kennedy political family during a campaign stop...  
    • Speaking of Frost and Johnson the corrupt liars' grate deal they forced through   Shortages of life saving medicines has become ‘new normal’ for UK after Brexit WWW.INDEPENDENT.CO.UK ‘The medicines supply chain is broken at every level,’ warns Dr Leyla Hannbeck   "Professor Tamara Hervey, of the City Law School, said: “There is nothing inevitable about this ‘new normal’ where Great Britain is isolated in efforts to manage fragilities in global supply of the products and people we need to run the NHS. It is the consequence of policy choices and those could be different.”     Mind you, the private sector is making hays while the NHS is burned. Private health insurance market grows by £385m in a year amid NHS crisis | Private healthcare | The Guardian WWW.THEGUARDIAN.COM Demand for private treatment booms as NHS waiting lists remain long, while more people also sign up for dental cover  
    • That's an idea on Maquarie. On being accountable, you also have to blame Ofwat and possibly the Environment Agency although they've been badly defunded. I put the Frost article up for balance.  
    • I agree HB, but there were no laws broken - its perfectly legal to fleece the UK and its infrastructure - and labour were little better than the Tories Perhaps an option would be to ban the aussie investment fund from the UKs markets
    • surprised you gave that frost article the light of day HB Long been the case that no further evidence of his wing-nutishness needed. Heck he even railed against the rubbish grate deal he largely created
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Bank Of Scotland Mortgage Penalty Charges


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I lost my income in March this year and put my house up for sale. I have a £210000 interest only mortgage.

When I enquired about settlement figure the inevitable ERC was given as £6300. I queried this with Senior Customer Relations Manager on the grounds that I was suffering financial hardship due to being reliant on State Benefits. My request for charges to be waived was declined.

I know there has been many threads on this subject, but as I am unable at 62 to carry the mortgage to a different mortgage product as I have had to face facts of only being able to rent going forward, I see this as a totally different situation to customers who are solvent wanting to just ditch their current mortgage deal and find a better one.

House has not sold in 5 months despite now having 2 Estate Agents acting, whilst also reducing price by £20000.

If mortgage provider loses patience and starts repossession proceedings my belief is that ERC would disappear from equation.

Why therefore should ERC not be waived before it is too late? It is bad enough to lose owning a house and job but giving the mortgage provider an additional £6500 more than borrowed in 2005 when I am only 4 months away from ERC 2 year completion is totally illogical in my situation.

Any solution please??

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If you are only 4 months away from the completion of the ERC then I would be inclined to sit back and wait. The house is not sold and even if a buyer appeared tomorrow the paperwork takes at least 6 weeks.

 

I know it's not easy have you claimed for mortgage interest relief through the DWP? in some circumstances it can kick in straight away in others you have to be on benefits for 39 wks.

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Thanks Vonnie

Yes I have applied for Mortgage Interest relief and have been waiting reply from Pension Credits since July 4 when B of S sent back forms to DWP.

What is worrying to me is that I am now claiming Housing Benefit through Local Council simultaneously having vacated Mortgaged property on June 8 due to sale being cancelled 24 hours before exchange of Contracts. Renting had been committed. It was a major shock as vibes had been so positive

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