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- H.Samuel - Designed Engagement Ring - Main Gemstone Coming Loose - Paid by CC
  
  By Homer67 · Posted 6 minutes ago
  
  No, do the section 75 chargeback to your credit card provider.
- misuse of partners freedom pass
  
  By honeybee13 · Posted 8 minutes ago
  
  See what dx thinks but it seems to me that sending a photo of your own pass isn't relevant to what happened. Let's wait and see what he says. HB
- misuse of partners freedom pass
  
  By worry · Posted 14 minutes ago
  
  1st letter image.pdf1st letter 2nd page.pdf
- MET CCTV PNC - Starbucks closed- Southgate Park, Stansted CM24 1PY
  
  By Hikertrash · Posted 18 minutes ago
  
  Many thanks for the replies and advice! I what to send this email to the Starbucks CEO and the area manager. Your thoughts would be appreciated. [email protected] [email protected] Re: MET Parking PNC at your Starbucks Southgate site Dear Ms Rayner, / Dear Heather Christie, I have received a Notice to Keeper regarding a Parking Charge Notice of £100 for the driver parking in the Southgate Park Car Park, otherwise infamously known as the Stanstead Starbucks/McDonalds car park(s). Issued by: MET Parking Services Ltd Parking Charge Notice Number: XXXXXXXXX Vehicle Registration Number: XXXX XXX Date of Contravention: XX.XX.XXXX Time: XX:XX - XX:XX After a little research it apears that the driver is not alone in being caught in what is commonly described as a scam, and has featured in the national press and on the mainstream television. It is a shame that the reputation of Starbucks is being tarnished by this, with your customers leaving the lowest possible reviews on Trustpilot and Trip Advisor at this location, and to be associated with what on the face of it appears to be a doubious and predatory car park management company. In this instance, during the early hours of the morning the driver required a coffee and parked up outside Starbucks with the intention of purchasing one from yourselves. Unfortunately, you were closed so the driver walked to McDonalds next door and ordered a coffee, and for this I have received the Notice to Keeper. It is claimed that the car park is two separate car parks (Starbucks/McDonalds). However, there is no barrier or road markings to identity a boundary, and the signage in the car park(s) and outside your property is ambiguous, as such the terms would most likely be deemed unfair and unenforcable under the Consumer Rights Act 2015. I understand that Starbucks-Euro Garages neither operate or benefit from the charges imposed by MET Parking. However, MET Parking is your client. Additionally, I understand that the charge amount of £100 had previously been upheld in court due to a ‘legitimate interest in making sure that a car park was run as efficiently as possible to benefit other drivers as well as the local stores, keeping cars from overstaying’. However, this is not applicable when the shop or store is closed (as was the case here), as there is no legitimate interest. Therefore, the amount demanded is a penalty and is punitive, again contravening the Consumer Rights Act 2015. As the driver’s intention of the visit was genuine, I would be grateful if you could please instruct your client to cancel this Notice to Keeper/Parking Charge Notice. Kind regards
- Extra headrest: Do I have to declare this safety mod?
  
  By benawhile · Posted 34 minutes ago
  
  I received the promised call back from the Saga man today who informed me that the undertakers have decreed it IS a modification and they will need to recalculate a quote individually for me. However it all sounds very arbitrary. The more I think about it, and with help from forum replies, the more I am sure that it is not a modification. If for example the original seatback had become damaged by a spillage or a tear, I would be entitled to replace it with the nearest available part. The problem is when it comes to a payout after an accident, there is no telling what an individual insurer will decide when he notices the change. I am still undecided which of the two best routes to go with, either don't mention the replacement at all, or fill in the quote form without mentioning, and when it comes to buying the insurance over the phone, mention it at the time.
Our picks
- If you are buying a used car – you need to read this survival guide.
  
  BankFodder posted a topic in Vehicle retailers and manufacturers, January 30
  If you are buying a used car – you need to read this survival guide.
  
  1 reply
  Picked By
  BankFodder, January 30
- Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
  
  ATJ posted a topic in Vehicle retailers and manufacturers, January 19
  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
  
  81 replies
  Picked By
  BankFodder, January 24
- A2Dominion - Housing Association property flooding - damning ombudsman report
  
  WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues, August 4, 2021
  Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
  
  161 replies
  Picked By
  WanTToMoveOn, December 24, 2023
- Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
  
  BankFodder posted a post in a topic, November 30, 2023
  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
  Picked By
  BankFodder, November 30, 2023
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Guide to taking in a Lodger

By stu007
March 25, 2017 in DWP References /Guidelines

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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

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