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    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • 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 ??  
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    • If you are buying a used car – you need to read this survival guide.
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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.

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      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
      • 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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strict choice housing scheme requirements


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I have been in my current flat for 9 years and currently I get all my rent covered by housing benefit.

 

However this year the landlord decided to make things difficult and my terms are changing.

 

Extra £20 a week rent.

New guarantor required even tho I dont have arrears or ever had arrears. Without this 3 months rent paid in advance.

Early termination fee payable in advance

 

So to renew I need this amount of money.

£1245+£495 up front

and extra £20 month rent.

 

Council and charities have confirmed housing benefit will not cover extra rent, in fact I actually already get more than the allowance which I think has only been allowed as I was getting it anyway before the rates got revised.

 

My only income is ESA SG. Given the situation I have put in a claim for PIP although I think I will only be rewarded lower rate mobility.

 

It seems most councils will allow people to get on their choice schemes for needing more affordable housing, but my council seems very strict, unable to afford rent is not a valid reason and they wont let me register. They told me I can only register when I am actually homeless and only then if not intentional homelessness.

 

Shelter have advised me I am in a very tough situation, I can be deemed intentional homeless if I refuse to sign the new tenancy terms, but also likewise if I sign knowing I cannot fulfill the terms. My landlord has said if I dont sign I will get a section 21.

 

My council just kept refusing to acknowledge the private rental market is completely out of touch with local housing allowance rates and refusing me access to the housing association property market. Bedsits in my area cost more than the 1 bed flat LHA rates, thats how much of a difference there is.

 

I found one housing association property on housefinder thats the same rent as LHA rates but sadly they already got a tenant, they said they got 200 available on choice website, but just this one available outside of it.

 

It does seem a bit of a [problem] to be honest, one has to be homeless to get access to affordable housing.

 

My sister's council choice scheme doesnt have such requirements, one can register simply for 'affordability' reasons. But I do require a 'local connection', my sister however has only lived there 2 years (didnt tell them this), and they want 5 years as a minimum term for a relation.

 

Is there any advice on how to get housing association properties outside of choice schemes? or low priced benefit friendly places? I did wonder why these places never seem advertised and now I know why, they all seem locked away by the councils.

 

I have registered on all the housing associations on my councils website, none of them have any properties available, but have been told I have to do this and keep checking them or I risk been deemed intentionally homeless. I dread to think what happens then, do they literally chuck me on the street? What a society.

 

Since I have mobility issues and where I live now I currently cannot have a scooter, I am going to ask my GP this week if i get on the scheme for medical reasons, but I dont know if she will support me on that.

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Hi worried33

 

I really do sympathize with your situation which is a difficult one to get from private housing to social housing for the reasons you describe.

 

The actions you have taken by trying to apply to as many housing associations etc is what I would have advised even then as you have found out there are also barriers.

 

What I would advise is for you to get together as much medical evidence as possible (GP, Hospital Consultant, Occupational Therapy etc), in fact have you contacted the councils social work team to ask for an Occupational Assessment in your present property.

 

You need to get as much evidence as you can to give you a strong case.

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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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Have you tried applying for discretionary housing payments to cover the extra upfront money they want, and possibly even the extra rent?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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England or Scotland?

 

Although I doubt it matters in this case.

 

You have been living in the same property for 9 years? If so you have a local connection by default. If your sister provides support or any caring duties even better tbf. But it's the 9 years which counts.

 

As for making yourself intentionally homeless are you sure the Shelter person said that?

http://england.shelter.org.uk/get_advice/homelessness/help_from_the_council_when_homeless/intentional_homelessness

 

But it would be considered unreasonable for you to stay in your accommodation if:

 

you or someone you live with was experiencing violence or threats of violence

the accommodation was very poor compared with other local housing

you couldn't afford the rent or mortgage payments unless you went without essentials such as food and heating

the accommodation was causing damage to your health

 

Basically asking you to stump up so much money in advance is unreasonable and pay an upfront termination fee? Seriously!

 

Being honest it looks like they want you out so you need to be pro-active about things.

 

Have you applied for the housing list? If not do so also there's an extra section you need to fill in for disability .

 

On the contract thing as above I seriously doubt that you could be accused of making yourself intentionally homeless by not signing. You do need to be careful though if the rent is above the LHA limit as signing then being unable to pay is considered to be one reason.

 

Next question is and this is very important is your deposit protected and in an approved scheme and do you have the prescribed information and was it given to you within the correct time frames?

 

Even if you think it is check to make sure it still is!

 

I'm assuming you've signed a new contract since 4th April 2007 if so it has to be protected. If it isn't don't tell your landlord as it's a very big potentially expensive bargaining chip!

 

Any further advice depends on deposit protection.

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  • 3 weeks later...

Hi worried33

 

Is there any update on this at all?

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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