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    • 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.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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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.

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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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car insurance refused due to credit rating


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Yes they are.

If you are paying in a lump sum then it seems a bit strange

 

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Hi stu

 

If your not sure, you could take up a free Trial with one of the credit agencies, but make sure to cancel it. For some reason they like to charge you for your own information, a bit like reverse rental:roll:

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  • 3 weeks later...

I didn't know they could do that! I have a really bad credit rating but have never had a problem insuring my car. I'm currently with Direct Line and paying in instalments, may be worth giving them a try?

 

I hope you find someone to insure it, there's so much you are blocked from that is part of 'normal' life because of credit ratings :sad:

 

Best wishes

 

Pixy

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Just a little thought, we went on confused.com to look for insurance quotes. Little did we know at the time that every company that gave us a quote also left a mark on OH's credit file. Overnight he went from good to very bad. There were 26 entries on his credit file so it looks like he has obtained credit with 26 companies lowering his "score".

 

Will never do that in a hurry again. Ended up staying with his present insurer who don't seem to mind his recent credit activity.

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Little did we know at the time that every company that gave us a quote also left a mark on OH's credit file. Overnight he went from good to very bad. There were 26 entries on his credit file so it looks like he has obtained credit with 26 companies lowering his "score".

The type of enquiry made at quote stage does not signify obtaining credit, and shouldn't affect a credit score.

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