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    • Changes in the US are enticing more people to file bankruptcy to clear their student loans.View the full article
    • Servicing Stop Limited Registered Office Address: 57 London Rd, Enfield, Middlesex, England, EN2 6DU Company Type: Private Limited Company Company Status: Active Company Number: 06558606 Directors: Oliver Joseph Richmond Appointed 8th April 2008, Toby Robert Richmond Appointed 8th September 2009 Companies House Link: SERVICING STOP LIMITED overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK SERVICING STOP LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual...   Endole Link: Servicing Stop Limited - Company Profile - Endole SUITE.ENDOLE.CO.UK Servicing Stop Limited is an active company located in Enfield, Greater London. View Servicing Stop Limited profile, shareholders, contacts...  
    • Hi I assume the Loft Conversion with the eaves and crawl space was there when you initially purchased the property. Even in done after purchasing the property and the correct permissions were in place i.e. Local Authority, Land Registry, Freeholder which is Southern Land which would be required as a Leasehold property. The difficulty is if the Loft Conversion was there when you purchased the property and there is no evidence in your documents of the eaves and crawl space due to where the Red Lines stop in the plans or even after purchase it was added this is the reason you are having issues with selling due to those missing Red Lines in the Plans and any other Buyers competent Solicitor would flag this up. I can understand the reasons the Buyer wishes a Deed of Variation probably there Solicitor requesting this to ensure those missing red lines are covered before the Sale as they Flagged this as an issue as Red Lines missing on Plans and want buyer protected. As for the £8000 costs Together and cohort Southern Land are trying to charge have you thought of contacting a few Property Solicitors yourself to get a few quotes. (only mention this because when I research this possible costs can range from £500 - £2000 depending on the Deed of Variation work required and nothing to stop you doing this then approaching Together and cohorts with it) Also ask Together/Southern Land for a breakdown of the £8000 costs for the Deed of Variation. Yup do send both Together and Southern Land a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that data in whether it be emails, written, recorded calls etc. They then have 30 Calendar Days to respond and that time limit only starts once they acknowledge receipt of your SAR Request. When you purchased the property some 17yrs ago are the Solicitors that you went through at that time still operating? (I know probably a silly question but if they are nothing to stop you contacting them and asking them about this especially if the Loft Conversion was in place when you purchased the property) Another link that will be useful to you as Leasehold is The Leasehold Advisory Service: Home - The Leasehold Advisory Service WWW.LEASE-ADVICE.ORG Government funded, independent advice for residential leaseholders and park home residents  
    • Why struggling parents aren't choosing cheaper brands when it comes to infant formula milk.View the full article
    • Musk's profane attack on advertisers baffled experts - without adverts, how would X survive?View the full article
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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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4


    • Pizza delivery insurance.mp4




      Parcel delivery insurance 1.mp4
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Utility Warehouse, changing their mind!

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4 months ago I switched my home phone and broadband to utility warehouse, at the same time I took out a new mobile contract with them.

I decided 2 months later to get a second mobile for my wife, but when I phoned them they said they would need £100 deposit or I could wait until after my third payment had cleared and then there would be no deposit so I decided to wait.


when I phoned nearer the time I mentioned it again and was told the same, but to leave it about a week after the direct debit went to ensure it had cleared.

When I called them to order it I was told I needed to pay a deposit I explained what I had been told, but was told they had changed their policy due to a dishonest executive or something.

I have put in a complaint and spoke to a chap who is putting my case to a director, but dosent hold out much hope, but he said one solution was I could cancel my existing mobile with no penalty for early termination.


I told him they were not honouring their initial offer and I would contact trading standards, but I have just got to wait for him to phone me back now with the directors decision.

this is briefly my problem, question is where else can I get a mobile contract from with a few defaults on my file?

or should I admit defeat and stay with my contract even though they lied to me.

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After all that, I cannot believe you still want to be tied to a contract. Why? Defaults don't matter on PAYG, and with the levels of competition, the cost benefits are almost the same. Buy toyr phone unlocked and put a SIM in it.


It is also a bat idea to have all your comms accounts with the same supplier. If for whatever reason they go bust or your DD doesn;t clear - all your lines of communication are disabled. Common sense dictates that you don;t catty all your eggs in the same basket, and I'd suggest you diversify to save on possible problems later.

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Problem is when I had a payg phone I never topped it up, and as I spend a lot of time on the road now as a driver, I dont want to get stuck, and the inclusive minutes are handy to phone the mrs when im away.

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PAYG networks allow you to lodge a credit or debit card to permit manual OR automatic credits should the threshold for calls fall low. The inclusive calls may be useful, but they are NOT free, you pay for them as part of the montlhy rental - as the networks admit 80% of users fail to use their allocation every month, they make more money from this (non use) that when the remaining 20% utilise them to the full. Work out what you lose in NOT making the calls you've already paid for each month, to work out how less beneficial it is.


Your dealer not only gets a cash bonus for signing you up to a contract, they now get a revenue share of your monthly fees. That money is better in your pocket than theirs, and you prevent this by going PAYG, AND don;t have to worry about the unexpected causing your credit file to be fried for another 6 years (again!) :)

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