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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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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.

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      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
      • 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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