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  1. Hi all, writing this for my mum as she's too stressed to think at the moment, I hope you can help us out. Some time back my mum and dad got a joint loan, she did the earning and he did the spending, she wasn't wanting the loan but was talked into it by him. A few years later they seperated and she remarried. Financialy the loan was taken over by idem servicing and the debt was just over 10k, they had both aranged to repay this equaly from June 2000. Mum stopped payment as she had paid her half, then was contacted by letter in her old name asking to get in contact for the acco
  2. Hi Guys, Wondering if I can find out if I have a Liability order. I left the UK 8 years ago and I am planning to return. I did have a dispute with the Council at the time of departure. As far as I understand it, the LO does not appear on the credit file. Is there another way of finding out. I really to not to get into a phone conversation again with the council after all these years. Thanks
  3. Hi, looking for advice I've discovered this forum. Apologies for long post...... Two weeks ago I was involved in a car accident on a roundabout. I was on my way home after picking my children up from school. I approached in the right hand lane, this lane leads to either the middle lane or the right hand lane of the roundabout. The lane markings on this major roundabout are clearly marked. I travel this route 2 to 3 times a day and as usual went to the middle lane. There were numerous cars on either side of me as we went over the motorway. After the next exit my lane becomes the left
  4. Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults fo
  5. just wondering if anyone can tell me what the position is RE liability when there are 2 names on the council tax bill. I only just discovered council tax has been unpaid for the whole year. The bills have been shall we say intercepted before I ever saw them. Likewise any letters from baliffs (the company is one i've had dealings with before - and I don't like them - the seem very underhand.. I digress). So, having finally been made aware of this i'm looking to pay the bill by end of next week. (I contacted the councill last friday about it and got them to send me a bill). Howeve
  6. 2 years ago i bought a motorcycle and titles never changed to my name .seller called me now and told me that 1 year ago supposingly someone took my bike and failed to stop on police signal in the night. the police contacted previous owner as it was still registered to him, went at the police station but he didnt remember my details to contact me. now,after 6 months, he remembered my details as he stands a court for failing to transfer the titles and he said he is going to mention me in the court. ofcourse it wasnt me. by the way i have transferred the titles to my n
  7. Hi all, I wonder if there is anyone that could advise me in a pressing matter. Below are the details: Myself and two others held a lease for a commercial property between June 2012 to June 2017. In 2015 upon the breakdown of the business we had agreed with the landlord to surrender the lease and hand back the keys. The keys were handed back amicably however we were foolish in not signing any documents and neither was any provided or suggested. Until this time all business rates had been paid and settled. In the last two weeks a letter was received at my
  8. This is regarding a tripartite agreement between a Principal, Agent and Third party. The Principal is only liable for the tort (and/or failure) of the Agent if the Principal is undisclosed. The Principal is NOT liable if he had been disclosed prior to the agreement. However, can the Third Party sue a prior disclosed Principal on the grounds that he was negligent in choosing the Agent in the first place? Also, can the prior disclosed Principal be sued because he had significant control over the Agent? Thanks a lot and I would greatly appreciate any case law.
  9. Hi all I hope that somebody an assist with a money claim online against FedEx. It concerns a package that was mailed by my wife and I from the UK to India. It contained life saving medicine for our cat. Unfortunately it was delayed –FedEx admits liability for the delay – and it meant that the medicine was no longer viable. It was specially packaged in insulated wool with ice packs which kept it temperature controlled for 72 hours. FedEx have refunded the £177 that we paid them for carriage but we have had to pay another £207 for the medicine (its original cost) plus another £50 or so f
  10. Hi everyone, I have joined this forum for some much needed help. I bought a car from Available Car (i won't say which one or no doubt they will email me and kick off) with all cars they offer a 3k 3 month warranty. I noticed the car had a window fault and also a mechanic had noticed during the service the spark plug plug rail had a spark plug damaged. I contacted them and they told me it was no worry and i was covered under warranty so to bring the car in. I took the car to them in July and they diagnosed it did have a fault and they would repair it once the part ca
  11. Dear team No matter what I do I cannot post this to your consumer forums online as you won't verify my email which I do not find in the spam folder or any other folder, it is not being sent. Council tax liability order was received after I received a notice to quit from my landlord on July 31st 2017 at [address removed]. At this time I was considered homeless by the council and I have attached all forms to prove it. The agreement shorthold assured tenancy states at 3b that all council tax as might apply to the rental of the room at flat [address removed] will be paid by th
  12. First post, so hope I'm in the correct place regarding the Motor Insurer's Bureau? Keeping it short: I'm interceding on behalf of an associate who's educational level is low in a liability case concerning the Motor Insurer's Bureau (MIB), which means my associate was 'uninsured'. Further, and to the best of my knowledge - I read postgraduate law and interned at a criminal law practice - my associate is 'liable', namely, not only did he have no insurance, but he rear-ended a vehicle. As a result of this my associate is not only banned from driving, but served a custodial sentence
  13. hi im after a bit of advice i recently used my local sainsburys car wash and managed to get stuck in it twice which caused quite a bit of bodywork damage so i reported it to sainsburys head office and they asked me to get 2 vat registered quotes which i done and they confirmed that the car wash was faulty and have decided to go along with the cheaper of the 2 quotes. the problem i am now having is the car has developed a fault which is far too costly and in my view not worth repairing and sainsburys want to pay the body repair shop directly to have the work done and i have benn offered a par
  14. In the main area of the forum a few days ago, a debate took place regarding a question from a member of the public regarding a letter that he has received from a firm of bailiffs in relation to a Liability Order granted 6 years earlier. The OP wanted to know whether the Liability Order was statute barred (which it is not). Another poster advised that a complaint to the Local Government Ombudsman should be considered and that the LGO may likely make a finding of 'maladministration'. The following two LGO decisions would indicate that a complaint to the LGO would not amount to 'maladminist
  15. I don't want to go into a 1000 word essay so I've tried to summarise this down into valid points and be as brief but detailed as possible. On 24th December 2014, I visited Halfords and purchased engine oil 5L bottle and engine oil top up service. When the gentlemen from the 'we fit' team came to my car he just had a orange pouring beaker and nothing else. On pouring the engine oil into the vehicle and inspecting the dipstick I was slightly alarmed that the staff member wasn't using any measuring device and was seeming freely pouring at his hearts content, I decided to take a
  16. If a taxi passenger opens a car door in to the road to depart, and the door gets hit by a van, can the passenger be held liable? He is arguing that the driver should have made sure it was safe for him to alight, and why did he let him out roadside, instead of turning the car around to park him on the pavement. My friend never seen the van when he checked out the mirror. The van and taxi exchanged details, but neither left their details with my friend, who has been in deep shock since it happened. The taxi was a settle car, and it's they who are telling my friend he will get
  17. The property has always been let to tenants using a letting agent. Local authority are always informed of tenants who rent the property. The tenants are always instructed to register for council tax and household utilities. Between 2015 – 2016, the property was let to a tenant who was in receipt of both housing benefit and council benefit. I’ve since found out that the local authority have managed to obtain liability orders and a charging order for non-payment of council tax for the same period, between 2015 - 2016. If the outstanding £1,600 council tax arrears are not pa
  18. Hi All, Can anyone help, our Council have issued 3 Liability Orders relating to council tax which is outstanding. details as follows: Liability Order Granted on 28/05/2013 £205.00 ( Arrears 01/04/2012 - 31/03/2012 ) Liability Order Granted on 30/04/2013 £405.00 ( Arrears 26/09/2011 - 31/03/2012 ) Liability order Granted on 30/07/2013 £1408.69 ( Current Year 01/04/2013 - 31/03/2014 ) The arrears was during the period that I was unemployed and on benefit, we paid all of the year 01/04/2012 - 31/03/2013 in full and have been unable to pay towards the arrears, they
  19. Got a weird one here for you guys. In March i had a prang with a neighbour. I was driving out of our cul de sac and i stopped because the woman in the end house started to reverse. She carried on and i sounded the horn continuously, she stopped for a split second then carried on and hit my car. I notified the police as the woman's partner came out of the house and was very aggressive towards her and then myself. He later came to my door as we are neighbours offering me money for the damage but due to the car being leased from Motability i couldn't and my next door neighbour had to a
  20. Not sure if this is the right thread so apologies if not. In April 2014, I moved into a shared accommodation property with two other girls. As lead tenant, I organised everything, all bills etc were in my name. In April 2015, one of the girls moved out. In October 2015, I cancelled my virgin media account as I was going to be travelling for work and the flat was really just a 'home base' for when I got a week off etc and so that all my bills were still going to the same place. Work was paying for my travel and accommodation in other places so it wasn't too big a deal
  21. just out of curiosity this one work has issued us all with a locker and declaired that no personal items will be allowed in work - they must be all kept in the locker to go with this they have issued us all with a yale combination padlock i have demonstrated why these padlocks are not secure to my manager, basically by popping his open in under a minute after this i asked if i could fit my own padlock - which was refused i also asked if i could have a key padlock not combination - refused if i can demonstrate the padlock is unsafe but work insists i use it can i ins
  22. Council refuses to pay gran after breaking her windscreen http://dailym.ai/2qomwbu A council lawnmower propelled a stone into a car owners back windscreen smashing it. The car owner issued a court claim and the council are defending it next week, saying their employee was not negligent. You can understand why the council are defending the claim, as a lawnmower operator in this situation would not be negligent, if they were operating the lawnmower in accordance with its operating manual. It is not possible to check every little bit of grass to see whether there might be a ston
  23. Hi, Unsure if this is the correct area? Need some help / advice please. A relative has been involved in a accident where a car has gone into the back of his scooter at an island. The driver admitted causing the accident (noted by a passing officer) so my uncle has perused a claim against the drivers insurance company axa (uncle ins, is 3rd Party) Axa, have sent out their guy to view the bike, and has confirmed that the bike is a write-off.. (Garage purchased bike from has provided a report which details over £3k of damage - bike is worth £2400 at today price on auto trade
  24. Hello everyone, I need a bit of help and some clarification. My cousin-in-law has a large amount of council tax arrears fopr Brighton & Hove Council, he has emigrated to another EU country and in his absense the Council have been awarded a Liability Order against him. Yesterday an enforcement agent came to my mother-in-law's house who lives in Twickenham, saying that he was there for the cousin and to collect money or possesions to pay off the debt. My MIL explained that the cousin doesn't live there and now lives in another country. (He grew up in the house as child but ha
  25. I just need some advice and help in what to do to trace this miss sold PPI in 2001. I bought a car from Northampton Car Shop end of 2001. I have some record of paperwork with an agreement number. I was paying First National Motors PLC a direct debit – their letterhead states First National Motor PLC is an Abbey National Group Company. Abbey National Group Company rebranded itself as ABBEY and then it was taken over by Santander UK plc. I bought the car for £6000 and ended up paying just over £8500 with added PPI. Every month I paid a direct debit via my ba
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