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tony3x last won the day on June 30 2015

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About tony3x

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  1. It seems to me he is relying on the fact that there is a lot of equity that the lender will not try to repossess, quite a risky thing to do. The service charges would have been in the original lease so must have been agreed at the time it was bought. Not justifying the amount as that seems very high. You mention it was bought decades ago - depending on the length of the remaining lease this could possibly be another issue as the shorter a lease gets the more expensive it is to renew. May be worth checking and hopefully it was on a very long lease originally. Regardless of the rights or wrongs it looks like the problem with the ongoing service charge will always be there and will rear its ugly head every year. As I said a lifetime mortgage that provides a lump sum to clear the outstanding debts and an income to pay the service charge seems like a sensible way out unless your friend has other ways of finding the funds. A lot will also depend on whether your friend intends to come back to the UK, if not I think selling would be a sensible thing to consider as the funds released could be used to generate an income which could be more useful than a property sitting there not producing any sort of return, or actually a loss to be honest. Other option would be to consider letting the property to generate an income to cover the fees and mortgage and probably a bit extra. I realise that the selling or letting is not ideal but the situation could end up getting out of hand if it carries on. If a lender does repossess it would not be unrealistic for it to be sold at less than 75% of the true value which is not good in any way.
  2. Not sure where the flat is but the property market is not that low. Prices have plateaued in the SE with some decreases for high value properties in London, the rest of the country is generally seeing some small increases. Seems your friend is between a rock and a hard place. He has a flat he cannot afford to maintain costs on but will not sell as he thinks that prices will rise albeit not knowing when.
  3. Something else that may be an issue here. If friend has a mortgage they will have to have buildings insurance and I am sure that one of the questions relates to the property being empty for extended periods. Has this been addressed, if not and there is a claim there will be a good chance of it being refused. Not sure what you mean with regards a poor sales market, if its regarding property its not that bad and will not grow by any large amounts anytime soon.
  4. Is your friend still a UK resident. If so he may be able to get a Lifetime Mortgage to replace the current mortgage and raise enough for the outstanding fees, and also receive an income that could pay the annual service charges. Would have to come back into the UK though.
  5. EB - I have already stated that the Oyster has already been cancelled and the print out from TFL shows that she tapped in but then did not tap out. It was not used after that. All the stations she uses have barriers so cannot get through without a card or ticket. I was no way being aggressive, just thought that the comments were not entirely helpful. Stating byelaws etc was not what I wanted, just some advice from someone that may have been through the process. Stigy - I was not making excuses for my daughter losing her card, just annoyed (as any father should be) that a older person has reduced her to tears when a more sympathetic approach would not have done. You call me an entitled snowflake, i will treat the comment with the contempt it deserves. When you are born & bred in Dagenham you don't get entitled to anything, you have to work for everything you have/want. Looks to me that you work in the industry so the comment in your last post "I have heard of people appealing and having their PFs withdrawn" should have been in your first post when you decided to give me a lecture about rules/regs. If it had of been it would have been more help even if you had put some caveats in. Basically what I can deduce is that she may be lucky on appeal, if not a decision has to be made.
  6. But you haven't really given any advice, you have just thrown rules/regs at me. I just asked if anyone had any experience of the appeal, you obviously haven't. You have not advised me of anything. Still defending the member of staff when you wasn't there (unless you are the person involved!). Please explain what about my attitude you do not like, because I didn't suck up to you. What you have said has not taken this forward at all unless it was to massage your own ego about how much you 'think' you know!
  7. I understand your defence of the inspectors attitude now. Handled more compassionately - nothing to do with different to who. An 18 year old approaches a member of staff to tell the truth and not try to get through the barrier (which is not overly difficult in London rush hour) and instead of being a bit compassionate and explaining the situation with regard the penalty fare he makes her feel like she has done something wrong - which no doubt you agree with. Not my idea of how to deal with the public! I will not be continuing this debate with you as you quite obviously feel that the inspectors attitude was justified.
  8. So my daughter approaches a staff member and is reduced to tears by his attitude, handled differently and, although the outcome is the same regarding the 'offence' my daughter walks away feeling differently. While I was not there my daughter has a very good recollection of what happened as well as phoning me straight away, I stand by my thoughts that the inspector would have handled it differently with someone older. The way you deal with people in difficult situations says a lot about the person, a bit of empathy goes a long way. The appeal does not mention the inspector at all as his attitude has nothing to do with the 'offence'. This will be dealt with by way of a complaint to TFL. Looking at the ticket again, it has been issued in accordance with the Greater London Authority Act 1999 and checking the act it says that the penalty fare is £50 reduced to £25 if paid within 21 days, although I may have missed any amendments. Daughters 'fine' is £80 reduced to £40. May need further investigation if the appeal is unsuccessful!
  9. My daughter is 18 and the inspector basically accused her of lying even though he could see she was upset - typical of the type of bully that do these jobs as I am sure if it was someone a bit older his attitude may not have been the same. The penalty is for 'no ticket or pass' which as you say is technically true but I really can't see how they can penalise someone for losing a pass when we can prove that it was used to tap in and not used since. Quite willing to go to court as long as it remains a civil matter, regardless of cost as its the principle that is important to me. Appeal has been submitted along with her journey history that shows the tap in but no tap out. I was a couple of trains behind her so asked at the originating station if anything had been handed in but nothing, the staff were all very helpful and all thought that the ticket will be cancelled. Fingers crossed.
  10. My daughter has received an on the spot penalty charge from TFL for travelling without a ticket. She has an apprentice Oyster card with her season ticket on it. She tapped in at the beginning of the journey (only way to get through barrier) when she got to her destination she realised she had lost her Oyster card. Went to a ticket inspector who proceeded to read her the riot act and had her in tears (a complaint will be going in about his actions). She willingly gave her details and the inspector even made a call to check she was telling the truth about her season ticket - he then issued the charge notice. She has been onto TFL to get the journey history but they need 48 hours for it to show, and to order a replacement card. I am assuming that on appeal this will be cancelled as she had tapped in but just wondered if anyone had any experience of this. Thx
  11. Hi All, Friend of mine was working for a contractor (Ltd Company) on a CIS basis. He has now left due to not being paid. He is owed £4000 gross (£3200 net) plus some expenses. The lack of payment has also meant he has incurred bank charges, He has been in dialogue and keeps getting promised the money is coming but still no luck. I have told him that from now on either to record phone calls or only communicate via text/email. He now wants to start proceedings to get his money. I understand that an LBA is required but could do with some guidance on how to start things off.
  12. Several threatograms from zenith now received this from Gladstones. I assume still sit & wait.
  13. Not sure that Samsung are correct re the warranty. My S7 crashed so I took it to the local Samsung store and they replaced the mother board and charge port under warranty but I had to pay fro a new screen as it was cracked.
  14. Look at other options of raising funds. If he sells the additional property there is the possibility of CGT, same with the art. It may be worth considering a lifetime mortgage on the additional property as the amount required is so small in the grand scheme.
  15. Surprise surprise the BPA back Smart Parking! https://www.echo-news.co.uk/news/17236537.westgate-car-park-basildon-is-doing-nothing-wrong-according-to-watchdog/
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