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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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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.
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      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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Mortgage Interest Support, MI12 and JSA3


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Andy,

 

Did you get anywhere with the "rapid reclaim" or what ever it is called. I wonder if Ant and Dec, sorry Nick and Dave, will tinker with the MIS at the emergency budget... Let's hope not eh??

 

Anyone else with any news to share?

 

Blurred:D ( It's sunny and I will be in a beer garden in a few hours :D )

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Andy,

 

Did you get anywhere with the "rapid reclaim" or what ever it is called. I wonder if Ant and Dec, sorry Nick and Dave, will tinker with the MIS at the emergency budget... Let's hope not eh??

 

Anyone else with any news to share?

 

Blurred:D ( It's sunny and I will be in a beer garden in a few hours :D )

 

Well..Yes..and ..no. the actual rapid reclaim bit went through easily and my mortgage interest claim kicked in..BUT the problem was that my 3 month temp job I had was on a self employed contract basis, through a Ltd company (my brothers), so I had to pay my own NI and Tax which is no big deal

 

The problems came when I happened to mention the words 'self-employed' to the job center over the phone, they then automatically assume that youve been running your own business, I was sent all sorts of strange forms asking questions like 'when do you expect your business to pick up?', completely irrelevant to my case, I explained over the phone to staff who understood my position, (i.e I wasn't self employed running a company, I had simply had a temp 3 month job, paid on a self employed basis).

 

Anyway the upshot is that this delayed my claim and I did eventually get my money about 6 weeks later which was difficult !.

 

So a word of warning if anyone is in the same situatiuon and is offered short term contract work (im my career, IT Support, being paid on a self employed basis is normal).

 

The strange thing is, that no-one ever checked or asked to see paper work from my temp job, they only knew it was self employed as I used those words and wished I hadn't !

 

Despite all this, everything else kicked in to where I was before I had the temp job.

 

Andy

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Good info Andy,

 

Just thought I would tell people that I have just been informed by GE that I am £230 and odd to the good, i.e. the DWP overpayments have cleared the arrears and are now accumulating on my account. I asked for it back, and unsurprisingly they said no - I didn't argue.

 

I am happy to leave it there accumulating, and when I get back into work (looking up at last), I will put the mortgage payments into a savings account and use the overpayments. I might even have some savings for the first time in years.

 

Plus... the emergency budget is coming, which could be a real game changer...

 

FX

Edited by BlurredFX
typo
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  • 2 weeks later...

Right, well, I listened to the Budget, and did hear some reference to SMI, but have yet to find any concrete info.

 

The link below gives some idea:

 

EMERGENCY BUDGET: SMI payments brought in line with BoE rate | News | Mortgage Strategy

 

Though I do note that the old, old rate of 1.58% over base, may not apply.

 

Why?

 

Well this is how the BoE calculates the rate to which it refers.

 

Bank of England | Statistics | Interactive Database | Explanatory Notes | Household interest rates

 

And it says they look at what's available on the market... which is a lot different from what it used to be when the rate was 1.58% over base.

 

Hopefully this means that the new rate will be higher...

 

If anyone finds anything, post it up. In the mean time, I will keep looking

 

Thoughts anyone??

 

Blurred :)

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Right, well, I listened to the Budget, and did hear some reference to SMI, but have yet to find any concrete info.

 

The link below gives some idea:

 

EMERGENCY BUDGET: SMI payments brought in line with BoE rate | News | Mortgage Strategy

 

Though I do note that the old, old rate of 1.58% over base, may not apply.

 

Why?

 

Well this is how the BoE calculates the rate to which it refers.

 

Bank of England | Statistics | Interactive Database | Explanatory Notes | Household interest rates

 

And it says they look at what's available on the market... which is a lot different from what it used to be when the rate was 1.58% over base.

 

Hopefully this means that the new rate will be higher...

 

If anyone finds anything, post it up. In the mean time, I will keep looking

 

Thoughts anyone??

 

Blurred :)

 

Yeah..I heard him quote SMI too, but no details, I did find some stuff on the web, but that appeared to be just suggestions from a financial body, the main being, that claims should be individually assessed, so the % paid might vary but no idea whether this is what will happen.

 

The present rate of %6.08 is great for same, not so good for others. I have a mortgage in 2 parts, 1 im paying base +2 = 2.5% the other is about 5.9%, so I get 'overpaid' a bit, which helps eat away at the capital; part of the mortgage.

 

Whilst taking an average mortgage rate maybe fair, there are many people (me included) who are stuck with a high fixed rate for many years to come and there is nothing they can do about it.

 

Andy

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..the main being, that claims should be individually assessed, so the % paid might vary but no idea whether this is what will happen.

 

I seem to recall, while doing some research on this a while ago, they they packed in that idea in the eighties because it was an administrative nightmare - which I can imagine. There was also problems with the fact that by the time the admin had gone through, people had been overpaid and there was obviously problems getting that back.

 

I get overpaid to, and it sits on my account with GE. What happens to your overpayment?

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it seems that from october 2010, payments will be based on the bank of england's published average mortgage rate.

 

can someone post a link to where this rate is published? there was one link earlier in this thread, but as far as i can see it just leads to a bank of england page that does not display the rate.

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OK,

 

Easy-to-browse Budget document - HM Treasury

 

Look at section 1.112 of this from the government today. It says

 

1.112

The rate at which Support for Mortgage Interest (SMI) is paid is set at 1.58 percentage points above the Bank of England Base rate, and it has been frozen at 6.08 per cent since late 2008 although interest rates have fallen significantly. To put SMI on a more sustainable footing and to better reflect mortgage costs, SMI will be paid at the level of the Bank of England’s published Average Mortgage Rate from October 2010.

 

Now I have had a quick look around, and it appears that the rate is currently running somewhere around 4 to 4.4% in early 09, post the major interest rate cuts. Don't know what it is now, and can't substantiate the numbers properly, but that is what I have found out.

 

Blurred:)

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OK,

 

Easy-to-browse Budget document - HM Treasury

 

Look at section 1.112 of this from the government today. It says

 

1.112

 

 

Now I have had a quick look around, and it appears that the rate is currently running somewhere around 4 to 4.4% in early 09, post the major interest rate cuts. Don't know what it is now, and can't substantiate the numbers properly, but that is what I have found out.

 

Blurred:)

 

Yeah..I found the same info.. about 4 to 5% in 2009, no idea what the average is now, a lot would depend on how this average is worked out, it all depends wheher you are a new or old borrower, how much deposit you put down, wheher it is a fixed rate, how many years it is fixed for. etc.

 

If it does suddenly fall to 4% from the current 6.08 is going to affect me quite a bit and maybe push some people over the edge.

 

At present people could be paying almost any %, for example, you may be lucky to be on base + 2%, paying 2.5%, but then again some people found getting a mortgage difficult and thus they are stuck on sub-pime rates of upto 20% or higher.

 

Although my 2nd mortgae part ends its fixed rate of 5.8 in October so hopefully that will help, hopefully will have found employment before then though :)

 

Now where exactly do they publish this BoE Average mortgage Rate ?. Its bloody hard to find !!

 

Andy

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You'd think it might be possible to give people the actual amount they have to pay. It would, of course, involve more admin but there would be considerable savings from those (including me) who are currently benefiting from overpayments.

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

 

Yep..I get some money for ground rent & service charges :)

 

It did take a while to sort out, I think the letters to/from the BDC were sometimes at cross purposes and they got confused with my claim for SMI on a loan secured on the property, which eventually worked out I only get a few quid for...Eventually I had a call from a manager who sorted everything out.

 

Andy

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Don't start me on service charges.... Andy I think you have helped me regarding an issue on that... which is due up in Court in a month... but have a meeting to sort it out tomorrow...

 

Might ask you further details about your service charge, and the poss of getting it back-dated... STRESS!!!

 

Ah well, footy time :-D

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While I'm here, is anyone receiving payments for other housing costs like service charges? I was told I should put a claim in (I'm in a leasehold flat and pay management charges, etc.) and they'd see if anything qualified but despite doing this twice I've heard nothing back.

 

You might hear from me again, NKS!!

 

That is my next issue!

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Don't start me on service charges.... Andy I think you have helped me regarding an issue on that... which is due up in Court in a month... but have a meeting to sort it out tomorrow...

 

Might ask you further details about your service charge, and the poss of getting it back-dated... STRESS!!!

 

Ah well, footy time :-D

 

Ha..Me too.

 

I had an LVT case regarding service charges going back to 1996, I wasnt really happy with the outcome, LVT decisions can be very inconsistant and they seem to vary depending on how the LVT members were feeling on the day !..I'm appealing it now. My LVT case is on the web if you fancy having a peek.

 

Now a seperate case regarding overpaid ground rent is coming up soon too, this is all new to me and my first time in court, I'm hoping to use provisions of S32 Limitation Act to get money back beyond the usual 6 year limit.

 

Andy

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  • 2 weeks later...

I'm now getting money for service charges and ground rent! Unfortunately they've only dated it from my second letter to them (27 May) so I now have to appeal to get it backdated at least to my first, ignored, letter if not to the start of my ESA claim.

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  • 1 month later...

Benefit that pays interest on loans to be halved from October

 

The benefit, which pays the interest on a mortgage, is to be reduced from its present value of 6.08% to what the government says is the Bank of England average mortgage rate of 3.67% – a cut that means a loss of £1,300 annually for every £100,000 borrowed.

 

http://www.guardian.co.uk/society/2010/aug/09/mortgage-benefit-cuts-disabled-housing

 

The article is about benefits for the disabled but presumably the same cut will apply to everyone else.

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Although interest rates are low at present, there surely are not that many people who actually have a rate as low as 3.67%, getting a low rate is very hard at the moment, I'm still stuck on a fixed rate of 5.14% for another year or so.

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Too true. And anyone on benefit is not going to be in a position to shop around for a new mortgage. My fixed deal ended last December and I now pay the standard variable rate of 4.84% (Bank of Scotland). The change will cost me £66/week, although I'll 'only' have to find £32/week to make up the monthly repayment on my loan.

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  • 4 weeks later...
hi all , have a question , need the maths teachers , APR v Interest Rate

 

35.26 APR , would equal what ? interest rate ,.. thanks

 

Surely APR is an interest rate, its just a way of showing it, there are others.

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Surely APR is an interest rate, its just a way of showing it, there are others.

 

Yes I agree , what I did mean to say was if the APR is 35.26 , what would be the flat rate which is displayed on credit agreement?

 

mine is stated as 12% , (APR) is also shown

 

but when you go to a Loan Repayment Calculator , put in the balance and term , 12% as stated does not produce the figures in the agreement ,

 

payments are £163 per month , to get £163 per month and match other figures the interest rate quoted does not match

 

12% would equal payments of £111

 

20.31% charged would get the figures exactually as the same in the agreement ,..

 

If this is the case then I am lead to believe that the agreement would be voidable

on 2 grounds

 

1st , Under the Misrepresentation Act 1967

 

also under Common Law , Mistake , opertive mistake from the beginning of contract , mistake in a term of the contract

 

Before I go along these lines , I want to confirm my maths and hear others thoughts regarding the APR v Flat rate , thanks in advance

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