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    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
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    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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Child tax credit claim how long to process?


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Hi guys

wondered if anyone could give me any advice? On a previous thread i mentioned my mum was going to claim ctc never claimed it before anyway the adviser she spoke to said she could claim and have it backdated 93 days whoopee! well anyway she sent her claim form back on the 8/5/08 they say its not on their system but she has to wait until tommorrow and if it is still not on they will resend out the claim pack again which takes 2weeks to arrive then two weeks to process! Can they do this she has already been waiting 4 weeks already! any ideas guys:confused:

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I know when my sister claimed such credits the process took just under 3 weeks from applying to getting the 1st payment, and therefore every month, remember the new year has just started for renewals ect so the offices will be sifting through quite alot of claims and renewals, the money can be back-dated, did you look on line to calulate things, look at do i quailfy..least then you will have an idea of how much to expect.

 

IR Tax Credits Online

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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well guys quick update they cannot locate my mums application for for ctc! said they will raise a trace but could take up to anther two weeks! so after waiting 2 weeks for the form to be sent then 2weeks for the claim to show on screen then another 2 weeks for the trace to come back ..........any ideas this is ridiculous!

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  • 2 months later...

I am in pretty much the same position, I am claiming tax credits for my 8 week old baby, I applied 3-4 weeks ago.... rang today to see what was happening with my claim, they told me there was something wrong with the claim and put the phone down I rang back and spoke to someone else who said they had amended the claim so now it will process....they wouldnt tell me how long or anything (probably another 3 weeks). Really they have a backlog of claims and mine is not top priority and they are just trying to hold people off. I have been advised to call back and speak to a supervisor. :!::mad::!::mad:

Edited by fiona87
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Just thought id tell you rang them and told them I had no money to feed myself or my baby and guess what they are now processing my claim....but still cant tell me when I will be getting the payments.

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I've been waiting 6wks now after changing from being single to getting back with my bf and him living with me. Every wk since the 3rd wk I've been phoning and everytime its the same. That they are still processing it or its been sent somewhere to be processed. If it were the other way round and we owed them money, we would've been flipping penalised for it wks ago!

Am sick of phoning them up. Anyone else waited this long? I almost wish I hadn't told them my change in circumstances.

We are now struggling to pay for stuff so will phone again.

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its just a load of b***ocks they can process it with a press of a button, tell them you have no money and need your claim putting through give them a sob story anything.. ask to speak to a supervisor and dont get off the phone untill they tell you that A) your claim is now in place and B) they are sending you confirmation of this including how much you will get. Im calling back on tuesday to see if they will tell me when i will get the money.

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  • 2 weeks later...

Blimey that does suggest they are overworked at the moment!!!! I informed them of a change in my circumstances in January and it was actioned within 4 days. I do sympathise with you all though. Hope you hear something soon but in my experience it shows up in your bank account before the notification arrives (at least that's something the right way round).

 

 

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  • 1 year later...

i know this is an old thread but just had to say i have been waiting to get child tax credits now since i took in a partner in December 2009, i been waiting Soooo long they finally called me and asked me to go up their office , this was Wednesday 26th may 2010, i had my appointment went up their and was then asked why i was their :-o Errrrrmmmmmmmmmmmmmmm,

Because i was called by them and asked to come up their,

I think they are all bloody useless and none of them know what the hell they are doing,

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