Jump to content

Showing results for tags 'there'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location

  1. Just starting a thread on Electric Cars. I have noticed a Taxi Firm in my town has gone fully Electric. Can you believe this news. As i looked around Great Britain to see what was going on other towns have done the same. Just a quick look around but sure i read that cost of electric v fuel was roughly 1500.00 Electric per year v 7500.00 for fuel a saving of 6,000 pounds.This was a Taxi and i will have to find the article again. Also that batteries are improving and most motorway service stations have recharging points now. Better put a couple of articles on as i have not looked at Electric Cars before. Electric cars could rule the road in just over 10 years say motor industry experts Sales of the vehicles are surging so fast the market looks set to meet government forecasts for the end of new diesel and petrol cars by 2040 http://www.mirror.co.uk/lifestyle/motoring/electric-cars-could-rule-road-8305609 How the all-electric Leaf is becoming a favourite of taxi drivers http://nissaninsider.co.uk/how-the-all-electric-leaf-is-becoming-a-favourite-of-taxi-drivers/ One dramatic chart shows why electric cars are about to become mainstream http://www.techinsider.io/electric-vehicle-battery-cost-decreases-2016-3 Taxi Built In Britain known to us as a Bomber,well was when i last used one about 20 years ago. Metrocab Electric London Taxi- Made two years ago so probably technology has moved on much more since then. Another reason to switch to EV...there are plans for electric cars to drive in bus lanes http://bit.ly/292fWiL Electric cars are so refined and quiet, you can record a song in one. Here’s how Cerys Matthews and her band did it. https://www.youtube.com/watch?v=fNfyVHbn3xE Have you got a electric car. Sounds like you are saving a few bob if you have.
  2. Hi My gf has some debts, and she is thinking of trying the same thing. One of the debts has put a ccj in place on the house value, and the creditor is listed as solicitor so anything we can do there? i thought id ask just to be sure thanks
  3. I should imagine there are a few Gardeners about in the Bear Garden. Well a little story for you. A possible nightmare for me,though i will live through it,i think. Last summer i planted two groups of Lupins,both the same type.About a Metre apart,a small path same distance between them. I have been watching them like a Hawk waiting for their colorful display. Slowly the flower buds have formed,suppose i could call them flower stalks really as when they flower they are large. Well two days ago i came down at Dawn to have a little talk to them,as i do,to tell them how well they were doing and how i am looking forward to their flowers.And put a transistor radio on low to keep them happy.As you do. Classical of course,seems to sooth them.Sure they move in time to the music,but could be my imagination. The next day i came down and they had been invaded by giant Whitefly,can you believe such a thing. Quick Google and it seems this is a difficult one to deal with.Believe originally they arrived from America. As many things seem to.Some good,some bad,same as everything,and everywhere,good points and bad points. Well what a shock i had i tell you,i nearly fell over and had to be revived by many cups of Coffee and tender loving care. And a smell of smelling salts applied on a cloth.A little roughly by she who must be obeyed. I think for a moment wifey perhaps thought it was Chloroform.I wonder many things sometimes with the looks i get. When i was fit enough to look at things again,i noticed over the next two days the Lupins only a Metre away were showing no signs at all from Whitefly which you must admit is strange.Not one of the blighters. The only difference i can see is that i have Two Foxgloves at either side of the Lupins keeping guard. And one Lavender plant. Do you think the smell perhaps of the Foxgloves or Lavender emit could be keeping the Giant Whitefly at bay. Now i used Washing up liquid diluted a while ago but believe it can contain salt and is oily. Although perhaps it can kill the Whitefly,but am not sure of that,i do not want to block the pores of the plants. Stop them breathing .Can you imagine if that happened.Slowly suffocating as i look on,the thought fills me with horror. Now who has the answer to my problem. Thanks. Tawnyowl.
  4. Hi All This is a long post so bear with me. I've done a lot of research and I think I know what I'm doing but I would really like to hear your thoughts, comments and suggestions on my tail so far. At this point in time small claims is unavoidable so any suggestions where my claim is weak and what I could do to address it would be greatly appreciated. I have laid out the story so far in a time line below. Many Thanks Jonathan At the beginning of May I purchased a Mercedes A Class A200 for £3000 including delivery. I stupidly bought it unseen from a dealer over 150 miles away using my debit car for the deposit and then the balance. I did call the dealer and ask a lot of questions before hand and do a HPI check which was clear. The car came with a 6 month third party warranty from WorldofWarranty.com which I now know is not worth the paper it is written on. 03/05/2015 Called dealer, Confirmed specification, Asked pointed questions about rust as 2005 mercs can have a problem, was told the car was good and although rust had been there is had been sorted. Paid deposit and received receipt for deposit stating car identity, amount and number of miles on clock was 105K 06/05/2015 had to chase dealer to pay balance 14/05/2015 Car is delivered by a driver, I have no time to look at the car as I have to give the driver a lift to the station to get a timed train. I do notice the instrument cluster display is blank/faulty I am unable to see mileage. 15/05/2015 I email the dealer say I am unhappy with the car and it is not as described. I outline the following faults which I have found. Ask dealer to call me · Engine is overcooling · Engine light on due to faulty glowplugs · Obvious and advanced rust in both doors and tailgate · 7K more miles on clock than advertised · Service history missing last two stamps · Instrument cluster faulty, no mileage displayed · Passenger side folding mirror faulty & unsecured · Both front tyres need replacing · Warped front brake disks, and rears badly corroded. 16/05/2015 email dealer chasing reply, I get what looks like an automated response saying I will get a response in 48 hours 17/05/2015 received email from dealer, says that the faults are not that serious and that he has already spent money fixing the car, stated that he has already spent putting a brand new shock and spring on the front and a hand brake cable. Dealer offers £100 as good will. 18/05/2015 I respond to dealer stating that some of the faults are serious and need to be addressed. I try to be reasonable and state that I will keep the car if they agree to two things They source two replacement doors in the correct colour within the next 6 weeks and I will fit at my expense, They arrange to have the glow plugs replaced at a garage or their choosing, near my address. If they agree to this I will fix the remainder of the faults myself. 18/05/2015 I get almost immediate automated response stating I will be contacted in 48 hours 21/05/2015 in the morning I send chaser email as I have had no response. Not long after this I spot a very similar car being scrapped on ebay. I contact the scrap yard and an able to do a deal for two doors and a tailgate for £75 each plus £80 delivery. 21/05/2015 I email the dealer stating I have found these doors and suggest that if they agree to pay for the doors I will pay for the tailgate. A couple of hours later I receive an email from dealer stating that he agrees to pay for doors but not postage???. I feel as they are agreeing to my terms outlined on the 18th that I will foot the postage just to get this sorted. That evening I receive an email asking for an email confirmation stating if they pay for the doors I will agree that they have resolved the issue and have been very helpful. 22/05/2015 I send email saying I am happy to state the replacement doors will resolve the rust issue but that I am still waiting for the glow plug issue to be resolved. 22/05/2015 late evening I receive £150 from dealer into my account for the doors. Over the next two weeks I chase the doors and get them fitted and sort out a trip to the garage to get the car looked over. Perhaps naively I assume the dealer is sorting out somewhere to get the glow plugs replaced. 22/05/2015 Concerned about how the car feels and sounds and now loosing trust in the dealer I put it into a local garage for them to service and look over. The following faults are found on top of what I had already discovered · Fuel filler pipe corroded · Centre exhaust corroded · OSF shock & spring broken ( the one they said they had replaced) · Flywheel worn I ask about flywheel and was told that although it is noticeably noisy there are no other symptoms like vibration, slippage, or poor gear change so just keep a close eye on it. The mechanic also stated that in his opinion no service had been carried out on this car for a very long time. The air filter had a 2011 date stamp on it and was effectively blocked. Having a broken spring and shock renders the car dangerous to drive so I booked the car in to get this replaced. 23/05/2015 two front tyres replaced £182 at my expense(I have not claimed for these) 24/05/2015 Instrument cluster from ebay fitted at my expense(I have added this to my claim) 29/05/2015 Replace all brake disks and pads at my expense(I have not claimed for these) 08/06/2015 I contact the dealer stating the doors have arrived and been fitted and that the rust issue is now closed. I request that we deal with the glow plug issue. I provide 3 quotes from local garages ranging from £220, £300 and £500. I state that I wish to go with the £300 one and in an effort to be reasonable and bring this to a conclusion I will pay the difference between the lowest and the middle quote. 10/06/2015 I request a response to my email from the 8th 12/06/2015 Again I request a response to my email from the 8th 12 06/2015 I get the front shock and spring replaced at my expense (I have added this to my claim) 13/06/2015 I receive a response from the dealer simply asking me to resent email 14/06/2015 while driving the car develops strong vibrations indicating the flywheel has taken a turn for the worst 15/06/2015 I resend my email from the 08th 15/06/2015 I arrange the car to go into a local Mercedes specialist to diagnose the vibrations. I give them the warranty information I was supplied with the car which appears to cover flywheel faults. Later that day they confirm the flywheel is faulty and could possibly disintegrate if driven. They tell me they have been in contact with the warranty company who will be sending out an engineer to confirm their findings. 16/06/2015 I receive an email from the dealer simply stating the final payment has been made and matter is closed. I don’t know if this meant they have sent payment for glow plugs or are just talking about the doors so I send an email asking for confirmation about what payments have been made and when. 17/06/2015 I call the Mercedes garage. The engine has been removed so that the flywheel and clutch can be closely examined. This was at the request of the warranty company. He confirms that in his opinion they are beyond repair. He confirms that the warranty company have sent an engineer to examine the flywheel clutch. He tells me I am looking at over £1000 for replacement. He will get a more accurate estimate when he gets the actual cost for the parts 17/06/2015 I immediately email the dealer stating that the flywheel and clutch have failed and that the warranty company are looking at it. I state that the warranty only cover up to £500 and the actual bill will be significantly higher. I state that as I have only have the car 5 weeks and have done less than 250 miles in that time then the fault was clearly there at time of purchase. I state I wish to invoke my rights under the sales of goods act and will either return the car for a full refund or accept a substantial contribution towards the repair. I ask them to call me to discuss. 18/06/2015 the warranty company call to inform the garage that the clutch and flywheel are not covered as they have simply come to the end of their life rather than suffering premature failure. They state due to the short period of time between the the inseption of the warranty (ie when I purchased the car) and the failure that the fault was already there when the warranty was started. 18/06/2015 I email the dealer stating that the warranty company have refused to cover the flywheel & clutch. I State they are now liable for the full cost of repair or I will accept a refund + plus the costs of diagnosis. I also state that the car is currently taking up a ramp at the Mercedes garage with its engine out and needs agreement today. I also state that given the time they usually take to respond to emails that I require a response today or I will be forced to have the repair done at my expense and will seek to recover the cost from them. I give them the number of the Mercedes garage and again ask them to call me to discuss. 30 mins later I get the following email form the dealer Sorry to hear once again from you that you are complaining about something else.We are surprise to hear every time you email us you come with new issue I spoke with gaffer and he confirmed that full and final payment of settlement has been sent to you last time when we replace the door and we have email to confirm it there will be no further emails. We are not here to make cars from Old to new You been given warranty Best warranty cover for this age and warranty allowed us to grant under the Act or under any condition on second hand car dealers are not liable for wear and tear That's why warranty been given so in case of any issue you can contact with them and get it repaired Unfortunately on this occasion i am unable to help Thanks Trying very hard to keep my calm I immediately send a response outlining all the faults to date. I pointed out the lied about the mileage, they lied about replacing the front strut and spring, they lied about servicing the car before delivery, they lied about it having a full service history and they lied about obvious rust being present. I pointed out they they have made very little effort to address the issues I had raised and that they where legaly obliged to do so. Yet again I stated that I either wanted a full refund including the cost of repairs to date or they paid to have the clutch and flywheel replaced. An hour later around 12:30 I received the following We received your email and pass it to legal department so they will answer you within 14 Days Thanks So I was left with a car in pieces in the garage and the garage pressing me for a decision as it was taking up a ramp and space. I could have simply got the car put back together with the faulty parts at a cost of £600 labour or I could go ahead with the repair at a cost of £1300, the only silver lining is as the engine is out it is very easy to replace the glow plugs and thermostat so that would only cost £100. I figured at this point it was reasonable to conclude that the dealer has no intention of refunding or repairing the car, they said as much when I asked about the glow plugs before the flywheel issue. If I simply paid the £600 and to put it back together I could get it home but it would be unsafe and unusable and a complete waist of money. Also I need my car for work. So reluctantly I reached for the emergency credit card and asked the Mercedes garage to go ahead and replace the clutch flywheel and glowplugs. 18/06/2015 I send a final email the the dealer thanking them for the confirmation that they would not be addressing any issued raised. As they are apparently an AA garage I send them a link to the AAs website where it outlines my rights as a buyer and ask them to send all my emails so far to their Legal department for review. I again outline the circumstances and their legal obligations and the consumer rights act and give them one more chance to pay for the repair or I will be forced to let the small claims court decide on all the issues. 19/06/2015 I send them a registered letter outlining the above except AS I was being forced to go the small claims route I was now including full repair costs for the flywheel, clutch, glowplugs, instrument cluster, Shock and spring plus a small amount to compensate for the additional 7k miles the car seemed to have traveled from me paying my deposit to it arriving. In total £1840 and I gave them 7 days to reply. 20/06/2015 at the suggestion of a friend I look up the cars MOT history online. It turms out that it had an MOT in March this year where among other things it failed on osf shock and spring its mileage at this time was recorded as 112K, no retest was done. Its next MOT was on the 12/05/2015 2 days before delivery, it failed on OSF shack and spring, it was retested the following day and passed with a recorded mileage of 112K. The OSF shock and spring was the one I had to have replaced. I think this establishes that the garage think nothing of selling cars with dodgy MOTs and that they knew the mileage when they sold the car. I have to date received no further reply from the dealer.I have retained all receipts, replaced parts and emails sent and received and I received from the warranty company an independent engineers report stating the flywheel and clutch where faulty when the car was purchased. Tomorrow I will send a final BEFORE ACTION letter and give them a final 7 days to reply. IF I don’t get a response by then I will start proceedings. As mentioned above any thoughts, comments and suggestions much appreciated. Thanks Jonathan
  5. I used booking.com to book a hotel near Frankfurt for two nights in October this year, 12 Oct. and 10 Oct. I paid in full using a credit card for both nights. I have requested a cancellation and have been informed that I will forfeit the full price. An email has been sent to me requesting that I confirm either acceptance of this or do not cancel my booking. I have a notion that despite the fact I did not insure my booking, I am entitled to a refund, on the grounds that they have ample time to find another 'punter' and that they have had the use of my cash for 3 months now. Is this the case and if so what legislation can I quote back to booking.com/ hotel.
  6. Hello, I wondered if anyone knows how long MET and euro car parks have to take you to court once all letters have been ignored by the motorist? I received a euro car parks ticket for an incident on 5/9/15 when I had sat in the car for 10 mins or so as I was not feeling well (I have a medical condition). My ticket was for staying longer than than the hour's ticket I paid for by that 10 minutes. I ignored all the letters, the last being on 31/12/15 from their debt company giving me a' last chance to pay to avoid court proceedings'. I also received a MET ticket for an incident on 12/9/15 when I had 'overstayed' at a large McDonald's I spoke to the manager saying I was in the restaurant the entire time giving them business as can be proven by their CCTV. i was not a driver using the car park to wait for airport passengers as others are doing there. He agreed to cancel the ticket but I carried on getting letters. Last letter was a final reminder on 3/12/15.My friend had also driven and out at the same time but she did not get a ticket. Am i safe to assume any time limit is over for the car park companies as it has been over 6 months since both incidents? Thank you in advance.
  7. HI there i am appealing a mandatory review from the ESA. Is there a form that i can use to ask for all info they have held on record about me? If there is could you post a link as i can't find one. Is there also a charge for this? \thanx in advance
  8. Hi I’m new to this forum so ‘hello’ & I’d be very grateful for any thoughts that people have. In summary I’m in dispute with a local Estate Agency. I allege that, in July 2014, employees of the agency caused £300 of damage to the bodywork of my car. Initially the agency did not respond to my complaints & requests for compensation. Eventually they contacted me by ‘phone to deny liability and refuse to put their position in writing. I referred the matter to The Property Ombudsman Service (TPOS) who was able to conclude that the agency had failed to respond properly to my complaints, but they were unable to conclude that the agency had caused the damage to my car based on the documentation I provided. At that stage the agency made me an offer (via TPOS) of £150 to settle all aspects of my complaints. To date I’ve not taken-up the offer because it doesn’t cover my losses. So I’m currently deciding what to do next. A few weeks ago I sent a carefully worded ‘Letter Before Action’. The Estate Agency replied (i.e. their first written response to me) to once again deny all liability for the damage caused to my car. They failed to refer to any of the specific points in my letter and simply defended themselves by way of a statement to say their staff are fully security-checked professionals who would never behave in ‘that way’. They also stated that the offer of £150 was purely in relation to their mishandling of my complaint. They also stated that my claim seemed opportunistic. They also stated that they’d be referring the matter to their solicitors. I was intending to make a claim against them which would hopefully proceed through the small claims process. I’ve discussed this course of action with TPOS and with legal advice/advisors via my Trades Union both of whom were broadly supportive based on the evidence I could provide. I’ve already drafted the claim form and was going to submit it last week but then I got cold feet and decided to check whether I’d done enough and got enough evidence to make my case as strong as possible in court. I’ve now used the permitted amount of legal advice I’m entitled to via my Trades Union so am now a bit stuck for further advice. Hence I’m making this post. So, my questions can be condensed thus... 1) Are there any other avenues that I should pursue before proceeding to make a formal claim/court action? I’ve tried to follow pre-action protocol by attempting to settle the matter directly with the defendants and attempted mediation via TPOS. The defendants have had plenty of time to respond fully. I’ve considered arbitration which it seems would be too expensive given the amount I’m claiming for (i.e. £300). The ADR specialists I’ve spoken to have suggested further mediation (at £100 +VAT for 2hrs) but the matter has already been mediated by TPOS without successful resolution and as far as I know I may be offered free mediation by the courts later in the small claims process (which I would happily participate in). I suspect we’re at an impasse that can only be broken by a judgement by someone with authority. 2) Is my case strong enough to present convincingly at a court hearing? I have photographs of the damage to my car. I have a reliable witness (who’s given a witness statement) who saw my car being manhandled roughly by 2 of the Estate Agency workers. The snag is that no one actually saw the damage being done – they’re simply able to say that they witnessed the car being treated in a way that could have definitely caused the damage. Also the Estate Agency have not admitted in writing that they touched my car (although they have done so verbally) – my fear is that in a court hearing they could simply deny ever having touched the car and then it’s the word of my witness against theirs. A bit more info. to put all this in context... I live in a house that’s been divided into flats. One of the flats is let to the aforementioned Estate Agent and they use it to house social tenants temporarily. Back in July 2014 the tenant in this flat was a hoarder who failed to pay his rent and was evicted by the Estate Agent. During the eviction all of the tenant’s hoarded possessions were placed on the driveway of the house alongside my car (which was untaxed, uninsured and SORN at the time). The Estate Agency hired a skip to clear–up the hoarded rubbish. I returned from work one evening to find that my locked car had been dragged from its position on the driveway and left on the side of the road. The skip had been left in its place. There had been no communication with me about this beforehand (although 2 days later one of the agency staff told me that they’d moved my car – I pointed-out the damage which he denied doing – accusing me of lying that it wasn’t there beforehand – I do have some blurry photos taken beforehand which show no signs of damage). So my car had been left untaxed & uninsured on the public road with £300 worth of new dents in the bodywork. I was fuming! I’ve received a fair amount of legal advice about the matter and essentially it seems that all my evidence is circumstantial and any ruling would be on the basis of probabilities. My witness is one of several neighbours in the street who saw my car being manually bounced, pushed & dragged across the road by 2 men working for the Estate Agent’s property management team (at one stage they asked him whether they could borrow a jack from him). I’ve been advised that the photos and the witness statement should be convincing enough for a magistrate. .. but recently I’ve been afraid that the Estate Agent is going to deny that their workers ever touched the car and I’ve actually got no written proof that they did. They’ve tried to blame it on the skip company but there’s no evidence to support this and surely if the skip company were working under the direction of the agency and the agency workers were present when the skip was put into position then the agency are still liable as it was their ‘project’? thanks for reading if you’ve got this far – any informed thoughts or constructive comments would be warmly welcomed! JulianS
  9. To quickly outline my problem; I gave Vodafone 30 days notice to end my contract with them on 1st June 2015 (been with them for donkeys years (bills always paid,never missed one!) .Felt like a change so EE looked like a better bet for mobile internet .A week or so later Vodafone offered me an S6 phone at a very good rate to keep me so I took it ,the customer (dis)services operative arranged the phone delivery for the following Saturday morning,great!. Saturday morning came and went-no phone. Called VF (Vodafone) to query why my new shiny phone hadn't arrived and was told "Oh sorry,it hasn't actually been ordered", I straight away cancelled the order on the phone with this person (as I was entitled to with the 14 days cancellation agreement) and also informed them that I wished my contract to be cancelled as per the 30 days notice I had previously given,this was agreed and that was that. THIS WAS ONLY THE BEGINNING!!!!!!. After the 30 days notice was up,happy with my new EE phone, i noticed my old VF sim card was still working ,phone VF customer (dis)services and "Sorry sir,i'll sort that out straight away for you") .And so started 3 months of chasing Vodafone to actually cut off my phone and end my contract. In that time I must have phoned them 20 times ,spoke to Egypt ,India, South Africa, Scotland, England etc, every call taking a minimum of 30 minutes or so whilst I had to explain myself. I've spoken to just about every department they have, heard the promises of "I'll make sure this gets done for you" EVERY and I mean every time.... .and of course nothing ever happens, AND they just don't bother to get back to you. I received a letter from them about a week ago saying my phone services had been suspended???? REALLY!! and I should pay for the 2 months outstanding (the 2 months AFTER I ended the contract). I again contacted them, and the really pathetic thing is, when I now phone them, I ask the person I'm speaking to, to look at the notes on my account BEFORE we speak. They all, without fail, come back after looking and can immediately see that its Vodafones mistake that the account is still showing as active with payments outstanding. I always then get the apology and the "I'll make sure this get sorted sir". I fired off an email to the Chief Executive last Friday, i got a reply, obviously from an admin person, asking for my details the next day, sent them and waited with baited breath... ....still waiting!. Phoned again today, got passed to 3 people, the final of which told me "I'll go and get the account sorted and make sure customer (dis)services put a zero balance on your account a nd I will get back to you within the next hour or so"..... .obviously I didn't get a call back, didn't really expect one really and am exasperated with their disgusting treatment of loyal customers by their poorly trained staff. Final straw this evening is an email from Ardent credit services saying I need to contact them urgently ref my outstanding bill with Vodafone. I have and always have had a good credit history, no CCJ'S etc etc and this is precisely the thing which may ruin that through no fault of my own. VODAFONE - YOU SHOULD HANG YOUR HEAD IN SHAME!!!!!!!
  10. I will make this as brief as possible. Back in the day,my day.Many years ago. As a First time buyer went looking around, found a house that needed a little work then spent a few years slowly doing it up.Family came,happy days. Prices reasonable,usually a few houses around that suited the first time buyer on a low wage. Now i have talked to a few Landlords in the last few years. Worked for a few but never really enjoyed the work.Not like working for owners. Sometimes more dough but not the same. Not the people but the thought that many of these properties should be bought by young couples who have connections to the area. Old fashioned i suppose. Anyway said one day,"Hey Mr Landlord how many properties have you got." "Only one hundred going to buy another one next week".3 bedrooms needs a little work 50 k. Well i knew the house and area and thought,i am older now by the way so no interest myself,should be a first time local buyer who buys that then left it. Talked to another and gleaned a little info of a group who have 400 plus houses,estate agents and friends. So buying properties rapidly doing up and renting out. You could ask the question,cough,connections but will refrain. Now you first time possible buyers out there maybe i do not know really,if this is repeated town by town,city by city are losing out in my view. You possibly get a mortgage arranged to be wiped out by the instant buying power and connections through friends. Convinced myself that communities are being altered to much.A mix fair enough but it seems some towns are becoming rent only towns. What is the situation in your area for first time buyers.What chance have you got.Are you being beaten back by entrepreneurs who are grabbing houses before you get a look in. Any experiences. Hope this thread makes a little sense,if not ignore it. Not the first time i have opened a thread for it to sink faster than the Titanic did. Good luck anyway,first time buyers i wish you well. The end till the next strange thought that enters my head. Please feel free to say what you feel.
  11. Hello. I am new to this forum. I wish I had joined ages ago. Please bear with me because the full explanation of my situation is quite lengthy. The mortgage start date was 24/01/2008. No payment was missed until 07/2011. I had gone to university in 2009 as a mature student to pursue an undergraduate degree. I was working around my studies when that contract ended, it was difficult to find other employment due to the recession. I was only able to get two short-term contracts during the whole three year period. A repossession order was issued in June 2012. The order was suspended in September 2013 following an eviciton notice, my filing the N244, and a hearing. I was in employment and could afford to pay enough to cover payments and arrears by the end of the mortgage term. I kept to the arrangement for a full year but problems resurfaced when I went back to school for further study in September 2014. It should be noted that I secured part-time employment before resigning from my job to resume further study, aware that my monthly mortgage payment would soon reduce by over £500 due to my having paid off one ‘Element’ of the mortgage in full which meant I would be able to get by for the 1 year duration of the course. I however had to cancel the Direct Debit because my mortgage lender failed to amend the payment amount despite my communication with them, and attempted to take payment of the same amount as previously on two occasions. All this was explained in detail on an Application to Suspend the Warrant of Possession which I filed on 06/08/2015, but a hearing never took place because I came to an agreement with my mortgage lender. Under the new agreement, I was supposed to start making payments on September 2015. At the time, my course had ended and my part-time employment had become full-time. I changed my bank, had a few problems and missed that payment. I explained this to my mortgage lender in October. However, the real problem arose because I left the job shortly after due to some internal changes after a company takeover. I was not fired and therefore did not know how to communicate this to my mortgage lender, especially since I had no other means of making payment. I was also sure I would secure another job quite quickly it turns out I did not start a new job until the beginning of January 2016. Meanwhile, I had received an eviction notice sometime in Decebmer 2015. I filed an Application to Suspend the Warrant of Possession on the morning of the eviction and had an emergency hearing (9th February 2016). The judge was extremely dismissive. It was as if he had decided I was simply irresponsible. He was not even interested in my new job or ability to make the payments going forward. He dismissed my case on the basis that I had a bad payment record and he was not convinced I would keep to a new agreement. He also mentioned something about credit card debts which I had included in the "creditors" section of the Income & Expenditure form. He said my numerous credit card debts contradicted my statement that I live a simple lifestyle and he therefore did not accept that I could live on the amount stated on the form. The credit card debts are not new and have nothing to do with my lifestyle. They were incurred during my undergraduate degree. I told the judge this but he did not care. Credit card statements will demonstrate that that level of debt did not exist prior to 2009, but started and gradually grew during the period of study (mainly accommodation costs). These credit card debts have been included in the "creditors" section of every Income & Expenditure form I have submitted from the very beginning. They were there in September 2013 and during the full year that I was paying £1350 per month. My mortgage lender obviously did not have a problem with them when coming to that agreement and did not have a problem with them in August 2015 when agreeing that I should pay £1493.97 starting from September 2015. They do not seem to care that this was partly their fault. Had they adjusted the payment amount when they should have, I would have continued to make payments under the first arrangement up until October 2015. Now they are adamant that the only way I can get the property back is if I pay the mortgage balance in full, not just the arrears. Amount outstanding on mortgage - £50,469.71 Arrears - £24,541.81 Property value at last valuation - £105,000 (1 bed flat) Remaining mortgage term - 2.5 years Is there anything at all I can do? It has now been 6 days since I was evicted. Thanks in advance.
  12. I need some help with building regulations. I live in sheltered housing and have a patio door which leads out on to a path which is just over 1 metre wide before a fence. I think that the step down from my patio door is in violation of the rules but I cannot be certain so this is where you builders may be able to help. BTW, this is not for me as such as I can get out of the door in the event of an emergency but my neighbour who has the same step cannot get out. The dimensions are. The patio door has a lip which is 41mm high The threshhold is 65 mm wide The drop to the drip strip is 47mm down The drip strip itself is 94mm wide (although I don't stand on that bit) The drop from the drip strip is 200mm down to the steo The step itself is 206 mm wide. The drip strip overhangs the bottom step by 55mm meaning that the step itself is 151mm. Bearing in mind this complex is supposed to be designed for the disabled, I don't feel the step is suitable. The building was opened in 1977
  13. I was one of the first people to go through the ESA nightmare. Failed then appealed, placed in WRAG, appealed again finally placed in support group. On DLA awaiting PIP assessment. My wife as two types of Arthritis which over the last two years as forced her to give up nearly all her work. We manage at present but I believe that shortly my wife will need more help than I can give her due to my own physical limitations. Both my wife and I found my experience of the ESA/DLA very stressful. I ended up in hospital with severe mental health problems and my wife is very reluctant to but herself through this herself. As anyone on CAG made a Joint Claims and if they have what are the pitfalls or benefits of doing so?
  14. Hi All, I had a business back in 2007 and when it went pear shaped a lot of people helped me out on the basis that I would pay them back when I could. Sadly things have not gone well. Bad to worse really. I have been unable to repay significantly anyone that helped me. That apart, no one except one creditor seems to be worried about it. This guy wants a charging order on my house. I cannot at the moment make any sensible offer of payment and I am concerned that the charging order is the first step to an order for sale. Now there's not that much equity in my home. I could voluntarily grant my eh.. non-combative creditors a second charge collectively in the amount of the equity in the house. My question really is... can this guy get a charging order once there's no equity or can he make other trouble for me if he can't get the charge? Thanks, Bob.
  15. I am just about to send a letter to Blemain about the charges and fees et cetera. Just wondering if anyone has been successful and got their charges returned to them, apart from the wonderful Wp3.
  16. Does anyone know of any genuine employment lawyers that will do a FREE assessment for no win no fee. All the websites offering this always want an assessment fee which totally goes against the principle of no win no fee! I do however need help as I have a five day final hearing coming up in February.
  17. I have to start at 9am and end at 5pm, but the bus doesn't arrive near the shop til 9..46am and last bus is around 4pm. I have never been to this town before, and don't know the bus routes. I have been suffering from travel sickness and have been to the doctor about my diareah(sorry, but the doctor said that was normal to go to the bathroom every few minutes). I have an appointment on Monday to pick up travel money and have to be there by 2pm. From March to June of this year I was volunteering at a charity in my home town. I am wondering if I should apply to a charity shop in town? But this woman (who was dressed like she was going out to a party) said that SEETEC only ran a few shops. Can I refuse this placement due to it being in a part of the county where I've never been? There is no way I am able to get to the placement in time, I'll be late. And according to the letter if I am late it can effect my benefits.
  18. Hello everyone, I'm new here so do please bear with me and forgive me if I don't get things quite right or breach any conduct.I've done some research and this forum seemed to be my best option for gleaning some advice. I'll try and give you as brief an outline as possible but please feel free to ask questions if it doesn't seem clear.I have a resident's parking permit for where I live but there is space for only about 5 cars maximum in the designated area.As a consequence this mean that I sometimes have to park in an area that is owned by a business just a little further down from the resident's parking spots. I have parked in this said area on numerous occasions,usually with absolutely no problem.There has been the occasional note plastered to my screen telling me that it's private land and not to park there but it has only been occasional and there has been no threat attached. Yesterday,however,I found another note attached to my screen which is somewhat different in its wording.I'll give you the full thing as follows - "WARNING You are parked on private property.You are parking in a paid space. CAR REG **** *** DATE 7.10.15 By using this space you agree to pay the following: - A daily charge levied at £30 per day (Ownership details are obtained via DVLA v8882) This notice is official notification of this charge,the charge payable for each period the car is parked between 12pm and 12am daily. This notice and your details have been recorded; ********" (name of company) It is perhaps also worth mentioning that this is not a car park that is "patrolled" by a private parking company.This notice is solely from the people running the business.I do try not to park there and won't if there is ever any viable alternative.It seems odd that 90% of the time that I have parked there I've received nothing.Then there's been the occasional "nasty note" and now this.And this just seems to be a little more sinister somehow,certainly sinister enough to make me do some research which brings me back to where I began Any and all help and or/advice will be greatly appreciated. Kind regards to you all and thank you for your time
  19. Hi I currently have a together mortgage with NRAM, got this back in 2006. I took this mortgage on with my now ex girlfriend. For the last 4 years I've been trying to get her off the mortgage and she is happy for this to be done. I have 3 defaults on credit cards, which are due to expire in 2016, when I asked NRAM to do a change of parties, they want to do a affordability check, which then stalls due to the defaults. They won't even go any further with the application as soon as they hear the word default. I have paid the mortgage without any missed payments for the last 4 years and find it frustrating, that NRAM simply can't remove my ex who doesn't work and hasn't contributed in those last 4 years. Surely they should look at the payment history on the mortgage to see there aren't any issues. I know the affordability checks are to stop people overspending, but they aren't supposed to use this with existing customers. Has anyone been in a similar position with NRAM and actually managed to get their ex removed from the mortgage? Thanks in advance Chris
  20. Anyone speak Chinese who could tell me what this says under this brass bowl? [ATTACH=CONFIG]58907[/ATTACH] Many thanks if you can - sorry if it's upside down but I have no idea which way it goes! I'm the wrong side of 60 now and been polishing it since I was at least 5 years of age and never knew what it meant. Probably 'Made in Hong Kong', but....surely not? A1
  21. Yes. I know that a date of "offence" and date of notice appear on the charging notice but I'm pretty sure that I received it well after the notice date. It should of course been served within 30 days but I'm sure it was well after that time. Any ideas?
  22. Hello, I was wondering if anyone knows if I can find a written statement anywhere that states that as a consumer, under UK law, I have a right to shop around for the best deal on goods and services. I have spent a couple of hours looking around online but cannot find a statement like this anywhere. Any help anyone can give would be very much appreciated Thanks in advance. Pickles18
  23. Hi need some advice please I had a 82.00 parking fine that I didn't pay (stupidly) I was unemployed for over 4 months had letter from marstons with 70 fees on top. Seeked advice from cab and Baines & Ernst , emailed marstons to offer £5 a week repayment ignored! Then got a 2 nd letter from Marstons debt now 397, which I rang and complained as to why they didn't accept my repayment offer to which they replied was withb bailiff!!! And to speak to him which was a waste of time he wants all the money... I'm now working so I paid my original fine of 82.00 via website which I was suprised I could do So now a week later a baliff has been posted a FINAL NOTICE to pay £310 today Do I have to pay these fees?
  24. I was offered a house which was in dilapidated condition from the council. At the time an acquaintance tried to sort me out with a shared private let, rather than move into this house of horrors, but this fell through. The council deemed me intentionally homeless because of this. I was refused access to my housing officer and refused my right to make a complaint about the property, at the time when i had to make a decision. I had a couple of days time frame to make this decision. My appeal failed and i was to be cast onto the streets like a leper, but fortunately luck was on my side. An near impossible feat for an unemployed person in Edinburgh, i found a private let through an x-landlord i was with while i was at university here. So my question is, how long does this unusual punishment last if you are struck of by a council? Is that it for you? are you just left to die on the streets or maybe luckily find a prison cell? https://www.flickr.com/photos/124422960@N08/with/14339100655/ some pictures from a temporary accommodation dwelling courtesy of Edinburgh council and associated partners. A few of my holiday snaps heres the house i refused
  25. Hello I have two separate cases with the FO, i have tried to ask the progress of each case and they don't reply. 1, I'm trying to get back dated credit card statements from Natwest 2, Barclaycard messed up my credit card balance 8 month 0% transfer at the start and did not honor it and they are charging me the full 19.00% Any advise would be welcome Many thanks Dan
×
×
  • Create New...