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    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.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. 
       

      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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Hi,

 

I'm currently in court with a dealer due to a fault car being sold to me. We've both been told by the court that we need to fork out £750 between us to gather expert evidence to determine if the car was faulty before 6 months of purchase or after. We were told by the court that if we can't agree on an expert to look at the car then the court would chose for us. After talking to somebody at the court yesterday i've now been told that I need to fill out an N244 form for the court to choose for me and this will cost £155 to do so.

Is this correct or can the court just pick one for me? I've already paid a lot of money in court fees and don't have the funds to pay out that much + half the £750 as well.

 

Thanks for any help

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Good Morning JackBD and Welcome to CAG

 

I have removed your DUP Thread and moved the original here for you. I will ask someone to advise.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Hi Jack...

 

As a N244 is a variation form I believe this means the court will have made an order for the above to be done.

 

Would you please be able to post up said order minus all personal info so we can advise?

 

Plus can we have some ideas on the fault and whats happened to date please?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi did you opt for expert evidence in your DQ (unless this is small claims track) ?

 

 

https://www.justice.gov.uk/courts/pr...art35#IDAJH0HC

 

CPR 35.5

 

(1) Expert evidence is to be given in a written report unless the court directs otherwise.

(2) If a claim is on the small claimsicon track or the fast track, the court will not direct an expert to attend a hearing unless it is necessary to do so in the interests of justice.

 

CPR 35.7

 

(1) Where two or more parties wish to submit expert evidence on a particular issue, the court may direct that the evidence on that issue is to be given by a single joint expert.

(2) Where the parties who wish to submit the evidence (‘the relevant parties’) cannot agree who should be the single joint expert, the court may –

(a) select the expert from a list prepared or identified by the relevant parties; or

(b) direct that the expert be selected in such other manner as the court may direct.

 

 

CPR 35.8

 

(1) Where the court gives a direction under rule 35.7 for a single joint expert to be used, any relevant party may give instructions to the expert.

(2) When a party gives instructions to the expert that party must, at the same time, send a copy to the other relevant parties.

(3) The court may give directions about –

(a) the payment of the expert’s fees and expenses; and

(b) any inspection, examination or experiments which the expert wishes to carry out.

(4) The court may, before an expert is instructed –

(a) limit the amount that can be paid by way of fees and expenses to the expert; and

(b) direct that some or all of the relevant parties pay that amount into court.

(5) Unless the court otherwise directs, the relevant parties are jointly and severally liable(GL) for the payment of the expert’s fees and expenses.

 

Regards

 

Andy

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Hi Jack...

 

As a N244 is a variation form I believe this means the court will have made an order for the above to be done.

 

Would you please be able to post up said order minus all personal info so we can advise?

 

Plus can we have some ideas on the fault and whats happened to date please?

 

The court order states 'A single expert is to be instructed jointly by the parties on the engineering issues. If the parties cannot agree on the expert to be instructed by (date), either party may apply to the court.'

'The fees of the expert shall be paid by the parties equally and be limited to £750.'

 

In a nutshell what has happened is I went to look at a car last year and noticed a fuel smell coming from the engine bay, I agreed to place a deposit under the condition that the fuel smell would be checked out and nothing was wrong. A few days later I bought the car as the dealer assured me nothing was wrong. A few weeks after this it became apparent that there were problems with starting and the fuel smell had worsened. The dealer offered to have another look so I took it back, after some heated phone calls I eventually got the car back 10 days later in the same, if not worse condition than before. A few weeks later driving home from work the car lost all power, took it to VW and they said there's no compression in 2 of the pistons and there possible engine damage but can't diagnose without further investigation.

The judge has said we need a mechanical engineer to look at the car and determine if the faults were there within 6 months of purchase(which they were!) or after 6 months. As we can't agree I would like the court to pick an engineer so I am wondering how to do this? I've rang the court and the lady said to use an N244 form which costs £155 but the judge said nothing of this. All he said was that they could pick an engineer from a list?

 

 

Hi did you opt for expert evidence in your DQ (unless this is small claims track) ?

 

 

https://www.justice.gov.uk/courts/pr...art35#IDAJH0HC

 

CPR 35.5

 

(1) Expert evidence is to be given in a written report unless the court directs otherwise.

(2) If a claim is on the small claimsicon track or the fast track, the court will not direct an expert to attend a hearing unless it is necessary to do so in the interests of justice.

 

CPR 35.7

 

(1) Where two or more parties wish to submit expert evidence on a particular issue, the court may direct that the evidence on that issue is to be given by a single joint expert.

(2) Where the parties who wish to submit the evidence (‘the relevant parties’) cannot agree who should be the single joint expert, the court may –

(a) select the expert from a list prepared or identified by the relevant parties; or

(b) direct that the expert be selected in such other manner as the court may direct.

 

 

CPR 35.8

 

(1) Where the court gives a direction under rule 35.7 for a single joint expert to be used, any relevant party may give instructions to the expert.

(2) When a party gives instructions to the expert that party must, at the same time, send a copy to the other relevant parties.

(3) The court may give directions about –

(a) the payment of the expert’s fees and expenses; and

(b) any inspection, examination or experiments which the expert wishes to carry out.

(4) The court may, before an expert is instructed –

(a) limit the amount that can be paid by way of fees and expenses to the expert; and

(b) direct that some or all of the relevant parties pay that amount into court.

(5) Unless the court otherwise directs, the relevant parties are jointly and severally liable(GL) for the payment of the expert’s fees and expenses.

 

Regards

 

Andy

 

Thanks Andy, yes this is small claims track and I opted for a expert in my application.

 

Regards

Jack

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The court order states 'A single expert is to be instructed jointly by the parties on the engineering issues. If the parties cannot agree on the expert to be instructed by (date), either party may apply to the court.'

'The fees of the expert shall be paid by the parties equally and be limited to £750.'

 

In a nutshell what has happened is I went to look at a car last year and noticed a fuel smell coming from the engine bay, I agreed to place a deposit under the condition that the fuel smell would be checked out and nothing was wrong. A few days later I bought the car as the dealer assured me nothing was wrong. A few weeks after this it became apparent that there were problems with starting and the fuel smell had worsened. The dealer offered to have another look so I took it back, after some heated phone calls I eventually got the car back 10 days later in the same, if not worse condition than before. A few weeks later driving home from work the car lost all power, took it to VW and they said there's no compression in 2 of the pistons and there possible engine damage but can't diagnose without further investigation.

The judge has said we need a mechanical engineer to look at the car and determine if the faults were there within 6 months of purchase(which they were!) or after 6 months. As we can't agree I would like the court to pick an engineer so I am wondering how to do this? I've rang the court and the lady said to use an N244 form which costs £155 but the judge said nothing of this. All he said was that they could pick an engineer from a list?

 

 

 

 

Thanks Andy, yes this is small claims track and I opted for a expert in my application.

 

Regards

Jack

 

That Order does not mean that the Court will choose a mechanic expert for you, that's not how it works.

 

Why have you been unable to agree an expert with the other side?

 

Unfortunately you are going to have to pay half of the expert's fee with the other side, but you could probably find one for cheaper than £750.

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That Order does not mean that the Court will choose a mechanic expert for you, that's not how it works.

 

Why have you been unable to agree an expert with the other side?

 

Unfortunately you are going to have to pay half of the expert's fee with the other side, but you could probably find one for cheaper than £750.

 

The defendant wants me to use his garage to diagnose the problems and for obvious reasons we don't want him to. I understand we have to pay half the £750 but I need to know if I need to pay the extra £155 because we can't agree on an expert. We've already gone past the deadline so I need this sorting as soon as possible. What is the best way apply to the court for this engineer? I've sent a letter requesting but they said that's not enough.

 

Regards

Jack

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Surely the court don't expect both parties to submit an application and fee to designate the expert...and if you have to it shouldn't require a hearing as you are only notifying so the fee will only be £50.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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The defendant wants me to use his garage to diagnose the problems and for obvious reasons we don't want him to. I understand we have to pay half the £750 but I need to know if I need to pay the extra £155 because we can't agree on an expert. We've already gone past the deadline so I need this sorting as soon as possible. What is the best way apply to the court for this engineer? I've sent a letter requesting but they said that's not enough.

 

Regards

Jack

 

You are correct not to agree to that.

 

The expert should be totally independent to either party and address their report to the Court and be familiar with CPR 35.

 

You need to Google expert vehicle mechanic engineers. There are plenty.

 

As you've missed the deadline now you will need to apply to Court for new Directions and in the meantime have an expert ready to go.

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