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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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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.

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Joint application mortgage


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Hi, I’m not sure if I’m on the right forum or not but here goes.

 

After a lot of thought, we are considering the possibility of starting a shared mortgage with our next door neighbours whom we are very good friends with,

we would be looking for a 6 bedroom house as we have four kids between us.

 

Now my problem is that I haven’t got great credit, past mistakes of being reckless etc, which I’m slowly but surely paying away .

I have no ccj’s but do have a number of defaults, the last issued default being approximately 4-5years ago.

 

I have a next account that we regularly use and have been sensible with, which I hope shows that I’m managing my credit better than in the past.

 

My question is though, will I be a liability in a joint mortgage application? Even if the other applicant has good credit? Thanks in advance

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yes the defaults will harm the application

and paying them off wont improve things either

defaults are registered for 6yrs

paid or not, paying or not.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Begs the question as to what sort of purchase you are making, it will be very complicated and I doubt if a normal Bank/BS will lend and then you fall into their hands of the companies that make money out of misery rather than as mortgage lenders.

 

For example are you going to be joint tenants or tenants in common? What will be the share each person has if the latter? what agreement will you reach regarding the death of one of the mortgagees?

 

I woudl say that these things need to be tied down before you search for a mortgage lender as you certainly will be spending money on solicitors as soon as you try and find somewhere to borrow the money

Edited by Andyorch
Paras
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