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    • 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!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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THE Election - Made your mind up yet ??


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Brown didn't punish the bankers though, did he?

Brown, would not follow in Obama's path?

 

The consequences of the hung parliament could put the UK into the same bracket as;

Greece, Portugal, Spain and Italy (United Kingdom? as per Moody's...)

 

Anyhow, the following link is amusing:

 

Papers: Newspaper Front Pages On Saturday, May 8, 2010 | UK News | Sky News

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I just voted Plaid Cymru.

 

Welsh, Scottish and Northern Irish should get two votes each, if they want to want to vote for their national party.

 

 

bb, I think that's a great idea..........and then the left-over bit of the UK can get on with the job in hand and leave our Celtic cousins to it.....the Conservative majority in England alone is nearly 100 seats. Maybe we English voters could have two votes as well:D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Amusing? No, I think it's outrageous. You do realise Brown could sue the Sun for libel, since it implies that he is there illegally, when his isn't.

 

Let's be clear, Labour may have lost, but Tories haven't won. They have gained more seats, that's ALL. If people are not happy about it, change your constitution, but I'm afraid this is all of the voters' doing.

 

The people have expressed quite clearly ONE thing: they're not happy with having any of the top 3 in power. There's your vote of non-confidence right there. Even with the perceived laxity of Labour's leadership in the last 13 years, people are STILL not confident that Tory is the way to get us out.

 

If any of these 3 had any real desire to help the country and not just themselves, scrabbling to get the best deal for themselves, they would call a second election right now, one which won't be marred by administrative mistakes, by people being turned away from voting stations. I guarantee the turnout would be a lot higher AND people wouldn't squander their votes so much.

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Amusing? No, I think it's outrageous. You do realise Brown could sue the Sun for libel, since it implies that he is there illegally, when his isn't.

 

Let's be clear, Labour may have lost, but Tories haven't won. They have gained more seats, that's ALL. If people are not happy about it, change your constitution, but I'm afraid this is all of the voters' doing.

 

The people have expressed quite clearly ONE thing: they're not happy with having any of the top 3 in power. There's your vote of non-confidence right there. Even with the perceived laxity of Labour's leadership in the last 13 years, people are STILL not confident that Tory is the way to get us out.

 

If any of these 3 had any real desire to help the country and not just themselves, scrabbling to get the best deal for themselves, they would call a second election right now, one which won't be marred by administrative mistakes, by people being turned away from voting stations. I guarantee the turnout would be a lot higher AND people wouldn't squander their votes so much.

 

Tend to agree with you on this Bookie......it's a vote of no confidence in the lot of them, and then to top it all the electoral procedure itself was shown to be useless. Although the regional differences in the actual votes was very interesting. Labour survive purely on the seats in Scotland and Wales, and the Nationalist parties aren't making as much headway as i'd expected.

 

Be very careful what people wish for if they like the idea of PR........it would give the BNP 12 seats on their share of the actual vote

 

I think we'll all be back in the voting booths by October at the latest

Edited by charleyfarley

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Amusing? No, I think it's outrageous. You do realise Brown could sue the Sun for libel, since it implies that he is there illegally, when his isn't.

 

Let's be clear, Labour may have lost, but Tories haven't won. They have gained more seats, that's ALL. If people are not happy about it, change your constitution, but I'm afraid this is all of the voters' doing.

 

The people have expressed quite clearly ONE thing: they're not happy with having any of the top 3 in power. There's your vote of non-confidence right there. Even with the perceived laxity of Labour's leadership in the last 13 years, people are STILL not confident that Tory is the way to get us out.

 

If any of these 3 had any real desire to help the country and not just themselves, scrabbling to get the best deal for themselves, they would call a second election right now, one which won't be marred by administrative mistakes, by people being turned away from voting stations. I guarantee the turnout would be a lot higher AND people wouldn't squander their votes so much.

 

Booky, there are 10 other newspaper front pages on that link, which shows 11; some of which are amusing!

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Hear hear CF, at last something we agree on in politics!!! :-D

 

I also am VERY unhappy about the notion of PR, because it does give extremist parties a lot more power.

 

I've said it before, but I can't see why we can't have the same system as in France, where you have TWO rounds. If there is no clear majority at the 1st round (there seldom is), you get a 2nd round the next week where only the 2 top candidates are up for the top job. then you have a choice of voting for either the one you like the most or at least the one you dislike the least, lol.

 

At the moment, we have here a situation where no-one is happy with the way the LibDems, the ones with the FEWER votes of the top 3, effectively hold in their hands the choice of the way this country will go for the next few years. :rolleyes:

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Booky, there are 10 other newspaper front pages on that link, which shows 11; some of which are amusing!
:-? when I clicked on it, I only saw the Sun one. :-?

 

Edit: Doh!!! I got so annoyed at that one I shut down the page straight away!!!

 

Edit 2: Nope, still not amused. :razz:

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by Bookworm:

At the moment, we have here a situation where no-one is happy with the way the LibDems, the ones with the FEWER votes of the top 3, effectively hold in their hands the choice of the way this country will go for the next few years."[END QUOTE]

 

Agree, however, this has happened before in 1974.

Many, conservatives voted liberal, the result was a hung parliament and; Wilson:(

 

You would think that people would learn by their mistakes; history repeats itself.

 

Also, please bear in mind that, GB is non-elected...the people of this country want him to, GO and;

people from all walks of life!

 

We need a stable government, the only way that will be acheived is with David Cameron.

 

Furthermore, if Clegg cannot reach an agreement, it will be political suicide for him/Liberal Democrats.

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Somehow, I think the likelihood of The Tories and Labour joining forces is not going to happen! :lol:

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by Bookworm:

At the moment, we have here a situation where no-one is happy with the way the LibDems, the ones with the FEWER votes of the top 3, effectively hold in their hands the choice of the way this country will go for the next few years."[END QUOTE]

 

Agree, however, this has happened before in 1974.

Many, conservatives voted liberal, the result was a hung parliament and; Wilson:(

 

You would think that people would learn by their mistakes; history repeats itself.

 

Also, please bear in mind that, GB is non-elected...the people of this country want him to, GO and;

people from all walks of life!.

People might want him to go, doesn't mean they want a Tory government. The fact that he's not elected, what does that to do with anything? He won't be the first, he won't be the last, why are people going on about it as if he had somehow taken power by a coup d'etat? I can't remember the same irrelevant trash being said about Major when he took over from Maggie after she was stabbed in the back by her own party!

Do NOT confuse the person with the party. I am unlikely to ever meet either of them, but I do know that what they decide as a party is what matters. :-|

We need a stable government, the only way that will be acheived is with David Cameron.
dielaffin.gif

 

Furthermore, if Clegg cannot reach an agreement, it will be political suicide for him/Liberal Democrats

Judging by what's going on the LD Facebook groups, I'd say that if he goes in with the Tories, it will be even worse. I have yet to see ONE LD to agree that an alliance with them would be a good thing, most of them feel very betrayed that he should even consider it, because most of them feel that in general, their affinities are closer to Labour than Tory, and that if he does it, it will be the last time they will ever vote LD.

 

Personally, I'd rather they didn't reach any agreement and called a new election, one which wouldn't be so tainted for starters. Call it a spoiled ballot on a national level and start again.

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Somehow, I think the likelihood of The Tories and Labour joining forces is not going to happen! :lol:
and yet, THAT would be the most democratic result of all, truly reflecting the will of the people. :rolleyes:

 

We had that a few times in France, with the President from one party, and the chambers from the opposite. The 1st time it happened was by accident, but the French seemed to quite like it and went on to vote that way a few more times. I think they realised that this way, the balance of power was more, well, balance, and that it stopped politicians from having too much power, which is not completely stupid as a concept. ;-)

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Well, I am certainly not going to get embroiled in a political debate about what 'some' think of the Conservative Party. I have stated my view, of which I am entitled!

 

The title of this thread is:

"THE Election - Made your mind up yet ??"

 

My decision was to vote for David Cameron, as did many others;

2 million more than GB: Labour Party.

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there is much unrest with the general public as the tv is showing NC is making a speech right now PR is the way

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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