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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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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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Thoughts in your day


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Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.

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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Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.

 

he wont have suffered

 

i felt the same when my cat went, but he knew what it was at the time

 

he could barely breathe but as soon as that needle went in he started purring and i swear he was trying to get up to headbutt me the way he used to before it kicked in

 

that last thing i made sure i did before i buried him was finish that headbutt he started

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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  • 2 weeks later...

Really interesting YT video on the Economies of Airline classes

 

 

Airlines make much more from business class and first, with economy really just filling the plane up.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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A bit long, but even for republicans there are some poignant thoughts raised both in the article and almost certainly in any inquisitive and observant mind considering some of the points within

 

https://www.theguardian.com/uk-news/2017/mar/16/what-happens-when-queen-elizabeth-dies-london-bridge

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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Great thoughts everyone:-D

 

I listen to radio tunes daily and I hear lines in songs which make you grin for many reasons.

 

I'm going to start posting lines from songs now and then and see if you can guess song:madgrin: More likely to be known mainstream songs

 

Here's first 'Jennifer Alison Phillipa Sue Deborah Annabel too'

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Mambo Number 5?

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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significantly more? 2% at present self employed dont get sickness benefit, holiday pay, dont get their allowance for doing jury service, nigh on impossible to claim housing benefit as the rules of proof of income atre so arcane it is impossible to satisfy them, less pension etc. Agreed, the cost of the extra NI to employers is crippling and that affects the wages offered to employees but direct taxes are still about the same as they were back in the mid 1970's when the tax rate was 30%

The real problem is that NI is just another tax and not what it was set up as back in 1910. It is not rerlated to your pension and it is not for the NHS so what we should all be demanding is to know why it is separate on our pay slips/tax returns. Also the BBC is a tax upon us but their employees are encouraged to make themselves limited companies to avoid paying tax! What next, HMRC freelancers? Even the last DG used a company to minmise his tax bill as he was an "agency" employee- no he wasnt and the HR at the beeb should have been dragged through the courts to explain themselves with that evasion exercise.

My national Insurance is more than the tax I pay. Will be looking into that. I'd like to know why minimal amounts are paid if you are self employed yet if you are PAYE it is significantly more, even though you earn less money.
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If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

 

If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

 

Maybe all workers should set up a company in their name and invoice the company they give their services too.

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cant believe the political hypocrisy.

it was likened to mandela on the news. wtf. well mandela never endorsed the killing of civilians.

(had to post, but shldn't be :))

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cant believe the political hypocrisy.

it was likened to mandela on the news. well mandela never endorsed the killing of civilians.

 

Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

not 100 % obviously, just going by his autob and some historians. seemingly not quite at the same level as mcg.

and re quite different circumstances. the news' analogy was wrong.

he was not 'clean' at all, but more of an economic one (blowing up pylons for one eg). as he said himself if you see him as a saint then he is '..not a saint, unless you think of a saint as a sinner who keeps on trying...'

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Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

 

 

Its all relative.

In nazi germany some people rescuing Jews had to lie and cheat and sometimes murder 'the bad guys' (who may often just have been 'following orders' and who believed the lies and propaganda of their leaders ....

 

Take Osbourne - 6 jobs - or perhaps should we say 'paid positions' while drawing an MP's salary and expenses ...

 

and before anyone says 'yes but we need fewer professional politicians and more with experience in business as MPs ...

Well, Yes I agree but we need those sort of people who bring that experience and devote full time to politics

Surely those who claim they can do 6 'jobs' properly simultaneously while claiming 75K + massive expenses as full time politicians are exactly the sort of 'professional politicians' that we already have far too many of.

 

 

http://www.dailymail.co.uk/news/article-4331992/George-Osborne-defends-six-jobs.html?ITO=1490

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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your tax isnt 30%, it is 20% on all earings over £11.6k. NI is paid on all of your earnings and the taxable amount includes NI contributuions so you pay tax on your NI tax- like paying VAT on petrol duty. Self employed people can claim back VAT on certain items that they then sell on with VAT added and then only when their turnover is above £83K. They cant claim back VAT on items that are not sold on and if they claim th VAT on fuel for their van for example they pay a different rate of VAT on all of their turnover, not just VATable things so they have to apy the govt tax where it is not due to claim back money they have spent on theior business. you dont have to spend money to pay your employer for your desk or lighting, you dont buy the bog roll at work and then pay VAT on it as a non VATable item.

Self employed pay tax at the same rate as you do and NI at 8% rather than 10% so they pay 30% in tax on their income above £11.6k, not 32% . Another thing they have to do now is pay tax on account so they have to estimate their income for the year to pay tax on money they arent going to get paid for the next 9 months. would you like it if your boss paid you 3 months pay without deducting tax and then taxed you for the whole year in month 4 and said that was his best guess for the future and the matter will be adjusted in january if it is wrong?

The PAYE system is rotten but dont blame the self employed for having a slightly different system that looks to be better at first glance but one of the reasons that people become self-employed is because the companies they used to work for decided to lose their services so they now go it alone doing the same sort of thing on an individual basis. How many people are employed in the building trade directly? hardly any and that means little training opportunities for the young. the brickies, sparks etc are still in work but with no security of tenure and that saves the employer money, it doesnt benefit the individual much and loses the govt needed NI revenue (mostly from the loss of the employers contributions). I work part time in education on zero hours contracts so dont pay NI as my hours arent enough at any paticular place to get over the threshold. Even full time teachers are now being offered posts where they dont get paid for the whole year, just 38 weeks. Who would be a maths teacher in a sink school with that as an incentive? 6 weeks compulsory unpaid leave in the summer? lovely. I know some who spend their time working as stewards at sporting events or fruit picking. They still have their pupil assessments to do for the coming year and all of the other admin/lesson planning etc but they just dont get paid for it.

If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

 

If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

 

Maybe all workers should set up a company in their name and invoice the company they give their services too.

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your tax isnt 30%, it is 20% on all earnings over £11.6k.

 

 

I know what you mean Ford, but you shouldn't leave out council tax

(or water tax really as there is no competition and no choice)

 

Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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I know what you mean Ford, but you shouldn't leave out council tax

(or water tax really as there is no competition and no choice)

 

Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).

'Ford' ? :)

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'Ford' ? :)

 

Sorry Ford, I must have had a moment

That should have been Ericsbrother of course.

 

apologies to all

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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Gosh that was 21st March when I posted that:madgrin:

 

Are you sure :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Beautiful south 21st March

 

What next year, where can I see them :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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