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    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • 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!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • 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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      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.

      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.

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      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 all, i was wondering if any one can help advise me on the best thing to do...

 

i've been a brighthouse customer since october 09, my account now has 4 items on it totalling a payment of around £30 per week.

 

One of the items is a sofa.

 

I have recently had a change in circumstances and i'm being forced to move back home with my father, i want to keep the other 3 items but not the sofa, we have no space for it.

 

I called the store a few weeks back to see where i stood on sending this sofa back, (i'd only had the sofa for 4 weeks at this point) and i was told that i couldnt send the sofa back as i didnt have osc.

 

After doing a web search, i came across this website. i've been reading forums religiously for the past few days now. i just wanted a bit more advice.

 

I dont see why i can't send this sofa back, there is nothing wrong with it and im not expecting any of the money back that i have already payed...surely this is more cost effective for their company, they can sell it on. But no, they expect me to keep paying for something i have no use for, im moving out on friday i have nowhere to put this couch i cant take it to my parents, and i dont want to be threatened with court action for not paying my account for an item ive offered to send back?

 

What's the best thing to do, a speedy reply would be much appreciated

 

thanks caggers :))

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Obviously you can't make them take it back even though it makes sense to you and me, they won't see it that way and are not obliged to just because you have changed your mind which is what it amounts to.

 

You biggest problem is storage until it is sorted. Can you not stand it up on end in corner of the room you will be living with your father?

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Thanks for the reply...

 

Due to the size of the couch i cant stand it up in the corner...it's massive!

 

Its not that i've just changed my mind, circumstances have changed, my income has changed, and i have to move. i'd keep the couch if i could, you'd think they'd be happy with the money they could make off it.

 

I just wanted to know if i had any rights

 

cheers

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if you are moving, they have a policy where they have to move the articles for you, i think they do it to make sure you are not going to do a runner with it!

call them and say you are moving and they will come and collect it and then when they turn up at your fathers(same day usually) then you can either have them stand it in a corner or if it does not fit through the door they will return it to the depot? i am not sure though if you do not have osc/dlc etc etc

 

but when i did work for them (yorkshire area) thats what we did with the sofa's it was to cover themselves for damage etc and make sure you were not doing a runner etc.

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phone them and tell them you cant afford it any more. put this into writing and send a copy to head office also. inform your local branch that you have notified head office of this. alternatively, pay for all your other items, but not the sofa - which they CAN do, contrary to popular belief, and theyll be round to collect it soon enough when the arrears start to build up on it. ive been with brighthouse for 4 years now, and thanks to this site, and my observations made when dealing with them, there are ways to deal effectively with this company. being firm, and assertive, and knowledgable about the situation tends to get them to back down. whatever course of action you take, keep written notes of everything between you and them. good luck x

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