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    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
    • The EV maker slashes more jobs and brings forward new models as profits drop by more than half.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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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Hi everyone..this is the first time I have posted on anything ,anywhere but after reading your forums and finally working out how to post (well I hope I have!) I would very much appreciate some urgent advice and if i am honest ,support.

I will try and keep this as brief as possible...I am married with 2 children aged 9 and 6 and my husband works full time earning 27k a year. I am self employed and earn approx 3,700k per year petsitting. Before i had my children I ran up debts after my husband was made redundant and then I became pregnant and was signed off work at 10wks pregnancy due to pregnancy related condition. I had credit card debts but thought I was protected by insurance...wrong. So I started life as a mum with debts that we have struggled to manage ever since but we have just about got by. Fast forward to today and after another sleepless night I am posting. a friend has suggested that I apply for an IVA. Most of the debts are just in my name but there are two debts that are in joint names. one is our old halifax account which after going overdrawn by £90 ended up at £5000 overdrawn purely due to fees and one debt that is owned by asset link financial...a really nasty company that insisted they take a tomlin order out against us for just over £5000 debt. I also owe £1000 to the inland revenue due to my misunderstanding advice at the local IR office but this has been subject to a payment plan to pay it off.My debts could go over 25k...i say could because and this is the final straw i found out yesterday that the tax credits office have stopped my tax credits saying they have grossly overpaid me but I am hopeful that I can fight this successfully. I am continuing to look for better paid PAYE work to get more income in but it is very difficult out there.My question to anyone out there is

1) If after i speak to National Debtline or someone today (impossible to get through) they advise that an iva might be best can I apply for an IVA in my own name without my husband having to do it too? I am worried about the two joint debts .

 

It is worth adding that we are in a shared ownership property that has always been just in my husbands name. We really want and need to hang onto our home but also my husbands job could be badly affected if he had an IVA. I tried to look up details on various websites yesterday re joint debts and IVAs but could not find anything. Please ,if anyone can offer any help or advice I would be very,very grateful. Thank you

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I am based in Scotland and normally very reluctant to comment on matters in English Jurisdiction. However having read your post it would seem to me that bankruptcy may be in your best interest taking into consideration that you do not own property. As for the two joint debts they would automatically become your husbands responsibilty. Nevertheless, if you are in a position to meet the mortgage payments and the two non-priority debts, I can see no reason why you cannott keep the family home in such a senario.

 

We do not have IVA's in Scotland but we do have similar albeit not identical system called Trust Deed, which lasts for three years and in my opinion the only people who benefit are the Insovency practitioners.

 

Perhaps someone with more knowledge of English procedures may wish to comment on this.

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Thank you so much Crocdoc for taking the trouble to post (it's all new to me!). Bankruptcy seems so scary and I am just frightened that they would try and pursue my husband to sell our home. I will have a look around the website to find out some details about bankruptcy now. Have to say that it makes me feel just a little better to know that I am not the only one. It is so hard to keep smiling for your children when you are frightened all day every day so i thank you again for posting

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Hi Katie.

 

Nobody can pursue your husband or take away his house for your debts.

 

Arrange to see a local insolvency practioner ASAP.

They will go through all your options with you. It should be free if they think that they can get a IVA out of you, but you dont have to use them at the end of the day.

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Thank you so much Crocdoc for taking the trouble to post (it's all new to me!). Bankruptcy seems so scary and I am just frightened that they would try and pursue my husband to sell our home.

 

How long have you had the property.

 

Have you ever contributed to the purchase of the property or the household bills?

 

Is there equity.

 

You can get through if you hold, the wait times are usually 10-15 mins. The best time to call would be at about 4.30 now.

 

You could always try and call bang on 9.30 tomorrow if you have no luck today.

 

For the record based upon what you've stated I think an IVA is an unlikely option. Let me know how you get on with NDL.

 

Best wishes,

 

Seq.

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Hi...until recently we had a joint bank account so joint names have been on my name is on some bills like the gas and elec and council tax. It is shared ownership and was bought in 1993 before we were married but I have lived there since we were married in 1995

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oh and at the moment there is equity but my husbands share is only25% . we did try and think about using the equity to buy the house outright a couple of years ago but on paper (our joint income is about £33k) no one would help

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Yes they must be very busy! Thank you so much for asking.I have to say that I have felt terrible...so stressed out and couldn't see a way forward but just being able to get on here today and find out more and have the benefit of the experiences of others has made me pull myself together (well..a bit). I have phoned the council tax people,two really horrible debt companies and the county court for advice on tomlin orders and managed to pick some brains there which has been a help. To be honest if it meant that I could sleep well I might choose the bankruptcy option before it chooses me but i do really want to pay my debts. I just want to find a way through it all. Thank you again...I will try phoning again 1st thing tomorrow.

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