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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
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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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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Social Housing/Council Housing/Housing Association/Housing Trust etc Information


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Guide to taking in a Lodger

 

What is a Lodger?

 

A Lodger is a person who rents a room in your home without having exclusive rights to any part of the property. Usually there is a formal arrangement in place that sets out the rooms that the Lodger can use and those that they share with the rest of the household (e.g. the kitchen, living room and bathroom) for an agreed payment.

 

Close family members such as a parent, step parent or parent-in-law, a son or daughter, step son or step daughter, a son-in-law or daughter-in-law, a brother or sister are not normally classified as Lodgers so you need to be fully aware of this.

 

Do I need Permission to take in a Lodger?

 

As a Private Home Owner

 

--You may need to inform your Mortgage Provider.

--You may need to inform your Insurance Provider.

--You may need to inform the Local Council (Council Tax).

--You may need to inform DWP if you Claim any Benefits.

 

As a Council Housing / Housing Association / Housing Trust etc Tenant (Social Housing)

 

--You may need to Request Permission from your Landlord to have a Lodger.

--You may need to inform your Insurance Provider.

--You may need to inform the Local Council (Council Tax).

--You may need to inform DWP if you Claim any Benefits.

 

We would recommend that you always get Permission in Writing from the Landlord.

 

Do I need to provide a Furnished Room?

 

To comply with the Governments Rent a Room scheme to earn a tax free income you must provide a Furnished Room.

 

How much can I charge a Lodger for a Room?

 

This will depend on the area where you live and what condition your property is in. Have a look on www.SpareRoom.co.uk at other rooms available in your area to get an idea what the going rate is likely to be.

 

How do I Evict a Lodger?

 

It is easier to evict a Lodger than a Tenant but you will still need to give ‘reasonable notice’ to the Lodger if you intend to evict. We would always recommend a written agreement between you and your Lodger(s) so the conditions are agreed upon in advance.

 

Will I be Taxed on my Income and do I have to Declare it?

 

Under the Government’s Rent a Room scheme you can earn up to £7,500 a year tax free by taking in a lodger and, provided you don’t earn more than this, you won’t need to declare it. Important if you do earn over the amount you must inform your Local Tax Office ASAP.

 

Do I need to Comply with the New tenancy Deposit Laws?

 

The law only applies to Assured Shorthold Tenancy (AST) so you can take a deposit without having to use the tenancy deposit scheme. (Ensure you have a Lodger Agreement signed by Lodger and Yourself)

 

Do I need to Comply with Right to Rent Laws?

 

As of 1st February 2016, the law requires everyone renting out property in England to check whether their tenants are legally allowed to live in the UK, regardless of the type of agreement, whether they're written or verbal. (this includes Lodgers so you need to be aware of this)

 

Right to rent checks introduced for landlords in England

 

Right to rent document checks: a user guide

A short guide on right to rent

 

Right to rent checks: what they mean for you

 

Check your tenant's right to rent

 

The PDF below contains the above information but also:

 

1. Lodger Agreement

2. Lodger Interview Form

3. Inventory List

4. Example Notice to Quit letter.

 

Guide to Taking in a Lodger.pdf

 

 

 

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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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  • 2 years later...

ENGLAND & WALES ONLY

 

Citizens Advice England

https://www.citizensadvice.org.uk/

 

Electrical Safety for Landlords – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-landlords/

 

Electrical Safety for Tenants – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-tenants/

 

Electrical Safety Responsibilities in Rented Homes – Shelter

http://england.shelter.org.uk/get_advice/repairs_and_bad_conditions/health_and_safety/electrical_safety_responsibilities

 

Gas Safety for Tenants – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqtenant.htm

 

Gas Safety Landlords and Letting Agents – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqlandlord.htm

 

Gas Safety Register – Gas Safety for Tenants

http://www.gassaferegister.co.uk/advice/renting_a_property/for_tenants.aspx

 

Gas Safety Register – Gas Safety for Landlords

http://www.gassaferegister.co.uk/advice/renting_a_property/for_landlords.aspx

 

Homes & Communities Agency

https://www.gov.uk/government/organisations/homes-and-communities-agency

 

Housing Ombudsman Service

http://www.housing-ombudsman.org.uk/

 

Inside Housing

http://www.insidehousing.co.uk/

 

National Housing Federation

http://www.housing.org.uk/

 

Resolving Neighbour Disputes Guide

https://www.gov.uk/how-to-resolve-neighbour-disputes/overview

 

Samaritans

http://www.samaritans.org/

 

Shelter England

https://england.shelter.org.uk/

 

TPAS is the leading national tenant involvement organisation in England.

http://www.tpas.org.uk/Default.aspx

 

Valuation Office Agency Rent Officer Handbook

https://www.gov.uk/government/publications/valuation-office-agency-rent-officer-handbook

 

Social Housing - England & Wales Only.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

SCOTLAND ONLY

 

Citizens Advice Scotland

http://www.cas.org.uk/

 

Electrical Safety for Landlords – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-landlords/

 

Electrical Safety for Tenants – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-tenants/

 

Electrical Safety Responsibilities in Rented Homes – Shelter

http://england.shelter.org.uk/get_advice/repairs_and_bad_conditions/health_and_safety/electrical_safety_responsibilities

 

Gas Safety for Tenants – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqtenant.htm

 

Gas Safety Landlords and Letting Agents – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqlandlord.htm

 

Gas Safety Register – Gas Safety for Tenants

http://www.gassaferegister.co.uk/advice/renting_a_property/for_tenants.aspx

 

Gas Safety Register – Gas Safety for Landlords

http://www.gassaferegister.co.uk/advice/renting_a_property/for_landlords.aspx

 

Housing (Scotland) Act 2001 and 2010 Guidance for Social Landlords on Pre-Action Requirements and Seeking Repossession of Social Housing

http://www.gov.scot/Publications/2012/06/2337/0

 

Housing (Scotland) Act 2010

http://www.legislation.gov.uk/asp/2010/17/contents/enacted

 

Inside Housing

http://www.insidehousing.co.uk/

 

National Standards for Community Engagement

http://www.scdc.org.uk/what/national-standards/

 

Tenant Information Service (TIS)

http://tis.org.uk/

 

The Scottish Housing Regulator (SHR) regulates registered social landlords and the landlord and homelessness services of local authorities.

https://www.scottishhousingregulator.gov.uk/

 

The Office of the Scottish Charity Regulator (OSCR) became a Non Ministerial Department and part of the Scottish Administration following implementation of the Charities and Trustee Investment (Scotland) Act 2005

http://www.oscr.org.uk/

 

The Scottish Public Services Ombudsman are the final stage for handling complaints about public services in Scotland.

http://www.spso.org.uk/

 

TPAS stands for Tenant Participation Advisory Service and TPAS Scotland is the national tenant and landlord participation advisory service for Scotland.

http://www.tpasscotland.org.uk/

 

Right to Repair Housing (Scotland) Act 2001.

http://www.gov.scot/Publications/2002/09/15485/11211

 

Resolving Neighbour Disputes Guide

https://www.gov.uk/how-to-resolve-neighbour-disputes/overview

 

Samaritans

http://www.samaritans.org/

 

Shelter Scotland

http://scotland.shelter.org.uk/

 

Valuation Office Agency Rent Officer Handbook

https://www.gov.uk/government/publications/valuation-office-agency-rent-officer-handbook

 

Social Housing - Scotland Only.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

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Registered Social Landlord (RSL)

 

The general name for not-for-profit housing providers approved and regulated by Government.

 

Housing associations are independent, not-for-profit organisations that provide homes for people in housing need. Many also run shared ownership schemes to help people who cannot afford to buy their own homes outright.

 

Over recent years a number of local authorities have transferred all or part of their housing stock, including their sheltered housing, to Registered Social Landlords (RSLs).

 

The following is a General List of the different Polices that a Registered Social Landlord may have.

(Note the Policy title may be worded different with the different RSLs.

 

As a Tenant/Service User most RSLs now publish their Policies on their own websites but some don’t and their may be an occasion whether it’s a complaint or for clarification that it is useful to know what policy to ask for especially if that RSL is using a Policy against a Tenant/Service User you need to request a copy so you can see for yourself that the RSL has correctly followed its own policy.

 

Council Housing/Housing Association/Housing Trust etc Example Policies

 

Adaptions and Assistance Policy

Affordable Home Ownership Allocation Policy

Adult Safe Guarding Policy

Allocations Policy

Anti-Social Behavior Policy

Arrears Management Policy

Asbestos Policy

Asset Management Strategy/Policy

Assignation, Subletting & Lodgers Policy

Change of Tenant Procedure

Children and Young People Safeguarding Policy

Communication Policy

Complaints Policy

Compensation Policy

Confidentiality Policy

Customer Care Policy

Cyclical Maintenance Policy

Decanting Policy

Decoration Allowance Procedure

Equality and Diversity Policy

Estate Management Policy

Gas Safety/Maintenance/Servicing Policy

Garages Policy

Money Advice Policy

Mutual Exchange Policy

Neighborhood Management Policy

Parking Policy

Pet Policy

Procurement Strategy/Policy

Rent Arrears Policy

Rent & Service Charge Policy

Repair Policy

Responsive Repairs Policy

Right to Buy Policy

Right to Repair

Right to Compensation for Improvements

Service Improvement Strategy

Shared Ownership Policy

Shared Equity

Social Investment Policy

Staircasing Policy

Starter Tenancy Policy

Tenancy Policy

Tenant Handbook

Tenant Improvement Policy

Tenant Participation Policy

Tenant Responsibility Repairs Policy

Under Occupation Policy

Void Property Management Policy

 

Corporate & Governance Policies

 

Anti-Bribery Policy

Anti-Money Laundering Policy

Board Members Expenses Policy

Business Continuity Management Plan

Business Plan Summary

Complaints Policy

Conflict of Interest Policy

Customer Service Standards

Data Protection Policy

Equality & Diversity Policy

Freedom of Information Policy

Governing Body Membership Policy

Health & Safety Policy

Housing Association Rules

Lone Working Policy

Management Board's Minutes

Membership Policy

Notifiable Events Policy

Openness and Confidentiality Policy

Payments & Benefits Permitted

Schedule 7 Policy

Standing Orders

Staff Code of Conduct

Staff Handbook

Unacceptable Behavior Policy

Whistle Blowing Policy

 

Registered Social Landlord Policies.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

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Private / Social Housing Renting Checklist

 

These checklists have been created by CAG to assist you the consumer when deciding to rent a property.

 

These checklist can be used for both Private and Social Housing and are a good way for you to keep a personal written record and there may be things you haven't considered.

 

the Checklists are as follows:

 

1. Rental Property Inventory checklist.

 

2. What to ask before you decide to view a property checklist.

 

3. Before signing or agreeing to a Tenancy Agreement checklist.

 

4. Fire Safety of the property checklist.

 

5. Property checklist.

 

6. Security checklist

 

Below is the first 3 PDFs

 

1 - Rental Property Checklist.pdf

 

2 - What to ask before you view a Property Checklist.pdf

 

3 - Before Singing or Agreeing to a Tenancy Agreement.pdf

 

 

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

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Next 3 PDFs

 

4 - Fire Safety of the Property Checklist.pdf

 

5 - Property Checklist.pdf

 

 

 

6 - Security of the Property Checklist.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

SOCIAL HOUSING JARGON BUSTER

 

Due to the amount of information it is in PDF format for downloading only:

 

 

Social Housing Jargon Buster.pdf

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

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If you need to add something to this thread then

 

Please click the "Report " link

 

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If you want to post a new story then

Please

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That way you will attract more attention to your story and get more visitors and more help 

 

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