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    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Personal/business debt - please advice


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Please, Please is there anyone out there who has had experience of both personal and business debt - I am at a real loss and feeling so down about it. Not sure who to ask for help really - business debt line/cab, -?If we go to solicitor who can I be sure that I am not paying a load of money for nothing? This site is so good as it is run by people who have had first hand experiences - which why it works - like they say the best things are free!! It's not my debt but my husbands (married 10 years) and my real concern is the house. I am sure that he is on his way to bankcrupcy - it may not be now but it is on the horizon and I am so worried that we will loose all equity in the house - I have a trust deed via the solicitor that shows I put down the deposit on the house when we bought it 13 years ago - the house is in his name with me have an interest shown on the land registry.

 

Our relationship is on the rocks and it could be that we end up seperated - who would that work with regards my equity?

 

Is there anyone who has been in similar situation who could either thread on here or pm me - feel out on a limb on this one - most of the threads I read are for personal debt only.

 

The debt is to the tune of 70k ouch - equity in house 85 ish at a push poss less in this climate.

 

Please please someone guide me

 

Thanks

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First of all when a business is tied up with the proerty then it is more complicated and although you may get some help here it may be worth a visit to a solicitor or CAB first for professional advice. If you go to a solicitor the first 1/2 should be free and then you will be suprised what you can get answers to within that time if you take a list of questions with you. It is good that you have an interest lodged at land registry - but there are lots of factors to take into account . Have you ever had to sign any forms regarding debts etc on the property?

 

I think maybe your thread is in slightly the wrong section - but hopefully some other posters will coma along with some support as well.

 

There is a similar case in the mortgages and secured loans section at the moment where the main residence is at risk because of the business may be worth a read.

 

Also there is a good site Website of the UK government : Directgov which has a section on money /arrears / debt which has some good links to other sites such as the insolvency site. You may be able to ask them how your husbands insolvency will affect your share of the house.

 

Because of the equity involved a solicitor will be your first move - perhaps CAB can recommend one who delas with family/ and or business law?

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

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offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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He Has One Secured Loan Of 23k Against House. Credit Cards Unsecured 30k I Think At Some Point About 5 Years Ago I Signed A Bank Thing At The Time I Asked If It Was Secured Aginst House - Which Was Quite Clear It Was Not - But Now I Am Thinking That It Is A Personal Guarantee. The Bank Over Draft Then Was Set At 10k

 

Sole Trader.

 

I Am Resigned That We Will Probably Have To Move At Some Point - If Things Don't Pick Up. But Would Hate To Loose Every Single Penny In The House.

 

Morgagte On Payment Hols At Mo Then On Interest Only For One Year Poss If They Under Write It. Morage 71k. Secured Loan 23k House Worth 185k Poss Less In This Climate.

 

We Are Currently Talking To Our Suppliers To Negotiate Some Payment Plans The Largest One Is For 6k Another For 2k Others V Small. Bank Is On 25k Unsecured But Poss Guaranted Over Draft.

 

What A Mess!

 

Feeling V Down Wth It All - Jsut Want It All To End - Never Have I Wshed A Way Time More Than Now!

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