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    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
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    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • 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!! 
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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.

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      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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Fluffystuff's OH & MBNA


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Thanks for the links SS.

 

It appears that the agreement is enforceable but I have the following queries.

 

1. It doesn't specify the credit limit as a figure, just states "We will choose your credit limit and tell you what it is." Is this sufficient?

 

Yes it is

 

2. The interest is just expressed as a rate per annum. Should a monthly rate also have been shown?

 

No requirement for a monthly rate

 

3. There are obviously other T&C's as it states - "Before signing this agreement you must read sections 13-14 in the T&C's provided."

So where would this info have been - it's not on the back of the agreement so if provided, it would have been under separate cover. Should this therefore have needed a signature?

 

Unfortunately, most Judge's will overlook this unless you manage to get a really thorough Judge

 

4. There is no provision for the creditor to sign. Is the applicant's signature sufficient?

 

Yes, a creditors signature is required, but having read a lot of cases here on CAG, most Judges look for a debtors signature, interest rate and a credit limit.

 

Appreciate comments please.

 

Thanks.

 

Hope this helps or not as the case may be. :Cry:

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  • 4 weeks later...

Fluffystuff,

 

You refer earlier to MBNA Default Notices; they are noramlly defective as they use UKMail postal service to serve.

 

The DN's normally only give a date 14 days from the date of the Default Notice........thus making them invalid.

 

Do you still have yours ?

If so, post it up.

 

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