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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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Benefit Sanctioned


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I have just had my jobseekers benefit sanctioned for not applying for one job given to me by an advisor. I have applied for lots of other jobs and had several interviews but none of that seems to matter. My punishment is a 3 month sanction for a first so called offence!!I now have to appeal and apply for hardship payments which I believe are about half of what I am entitled to so about £35 per week for 3months to live on. Does the punishment fit the crime in my case I would like to hear from anyone who has or is going through this now with their jobcentre.

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I have just had my jobseekers benefit sanctioned for not applying for one job given to me by an advisor. I have applied for lots of other jobs and had several interviews but none of that seems to matter. My punishment is a 3 month sanction for a first so called offence!! Does the punishment fit the crime in my case I would like to hear from anyone who has or is going through this now with their jobcentre.

 

Hello,

 

I think it depends on the reasons for you not applying for the role your adviser gave you, if it matches the work your were capable of doing when the signed on then and the reason for you not apply was purely down to you not bothered then I feel its fair and just. If there was other factors involved and you can prove these stopped you then you would have grounds to appeal.

 

why didn't you apply?

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Hello

I think it depends on the reasons for you not applying for the role your adviser gave you, if it matches the work your were capable of doing when the signed on then and the reason for you not apply was purely down to you not bothered then I feel its fair and just. If there was other factors involved and you can prove these stopped you then you would have grounds to appeal.

 

why didn't you apply?

 

Hello Scott I didn't apply because the job was to far away and the cost of travel would have been to much. I have recently relocated and had no idea how far away this place was and I was led to believe it wasn't far away until my girlfriend who is from the area said that is miles away and shouldn't have given you that job. Also whoever calculates the mileages to the jobs from home live in cuckoo land because they must be as the crow flies and not by road!! I challenge any of them to come with me in my car and show me how u can get there in the mileage they qoute.

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Apparently the decision makers at head office say this is not a suitable reason for not applying. According to the Guardian newspaper a whisleblower has exposed new targets set by the goverment and thousands of people across the country are having their benefits unfairly sanctioned from disabled to able bodied people. The catchphrse in the office is Save the publc purse.

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You're only supposed to have to travel 90 minutes each way by public transport unless you've agreed to something over and above that. I wouldn't recommend even that myself, I used to travel 2 hours each way many years ago and I've never hadf so much time off sick in my life. You're worn down from travelling and you breath the same air as a huge percentage of the population. You come into contact with everything that's going round and because you're run down you catch it bigtime. I would think it's fine in a decent car but by public transport it's nonsensical to travel a long way every day.

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The job centre people just sit in their chairs like robots I guess controled by the Fat Controlers who don't really care what people have to do to find work as long as we are of their books and back out there earning to pay taxes to pay for the work shy who have no intention of working a day in their lives and all the imigrants who will never pay a penny into the system and can claim a full state pension after 2 years living in this country!! Makes my blood boil!!!

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No I can't, I havnt actualy heard it from the horses mouth whoever that is but from someone who reads the newspapers regularly and keeps up to speed with things of this nature. But of course it doesn't mean its accurate!

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The job centre people just sit in their chairs like robots I guess controled by the Fat Controlers who don't really care what people have to do to find work as long as we are of their books and back out there earning to pay taxes to pay for the work shy who have no intention of working a day in their lives and all the imigrants who will never pay a penny into the system and can claim a full state pension after 2 years living in this country!! Makes my blood boil!!!

 

(Bolding mine)

 

This is not the case. Immigrants legally present in the UK and with the right to work pay tax and NI like everyone else, and are entitled to benefits on the same terms as citizens. There are a few other complex rules that can allow NI-type contributions made in other countries to count towards a UK state pension. These arrangements are reciprocal and, as I said, complex and confusing.

 

On a related note, my Canadian wife has just applied for her Indefinite Leave to Remain in the UK (in other words, the legal right to reside permanently here). The fee for this? £962, Visa and Mastercard accepted, of course. This immigration business is not cheap or easy.

 

And could I ask a favour? We have several current and former JCP employees here (myself included) who spend their free time helping folks out with benefit problems. No-one is paying them, they do it because they're nice people. So let's not insult them, yeah?

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Perhaps you should point the poster at the forum for JCP personnel? I can't remember what it's called myself, Ingeus or something? You'll know the one. For folks who don't know you can see JCP personnel talking amongst themselves there and it's immediately apparent (if you take what's said at face-value - but that's the same for any forum) you can see many are genuinely concerned for the welfare of claimants.

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Ok well tell me how sanctioning my benefit for 3 months has helped me!! Through no fault of my own I lost my job through redundancy last December ime now going through divorce, just relocated over 200 miles away to try and start a new life and still unemployed.

 

I didn't apply for just one unsuitable job which was to far away plus the cost of fuel to travel there and back every day which one of your JCP collegues led me to believe was not far away not knowing the area after just relocating. So now you tell me how this is being helpfull!!

 

Ime supposed to now try and survive on a hardship benefit which I believe could be about half of what ime entitled to, so how does this help me now I can't make ends meet and fund travel expense to interviews which I was just scraping together before.

 

Your JCP collegue should take a look at what I actualy DO to find work instead of what I havnt done which was not apply for just one job!!. The little book you give us is a joke how are we supposed to write down our job seeking activities in a tiny box?.

 

I write down all my job searches,jobs applied for interviews I've had and put this on the table for your collegue to look at well he never even looked at it just didn't want to know no interest is that helpfull I think not!!.

 

Try not to take it personally ime sure you are nice people away from the office but when something like this happens on top of everything else that's happening to me at the moment its quite stressfull and I certainly don't appreciate that kind of help!.

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No I can't, I havnt actualy heard it from the horses mouth whoever that is but from someone who reads the newspapers regularly and keeps up to speed with things of this nature. But of course it doesn't mean its accurate!

 

Its quite sad you are a victim of the same group of government policies that chooses to promulgate the falsehoods that initially seemed happy to repeat.

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I personally think sanctions are too extreme for the circumstances. A "first offence" with good reason seems harsh to have benefits stopped for so long.

 

Then again some people are sanctioned without recourse to Hardship payments and that is unforgiveable in my book....

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you need to get hold of a gl24 form and appeal the decision....have a look at how long it would take you on the say the bus...they dont know you dont have a car....if its 90 mins away you could use that...otherwise try to explain what you have been doing to look for work....provide all the evidence you can...plus the unsuitability of the position not applied for and why...hope this helps....we all do understand here...and the reason you immediatly were jumped on for the immigrant remark is that as you are probably coming to realise the papers are the govts mouthpiece printing the rubbish they do...about the workshy..remember their are nearly getting on for the 3 million mark looking for work....its hard out there but the govt would have everyone believe if you sign on you are workshy..so you my friend are now in that boat...along with the rest of us benefit cheats who do nothing all day but play on our xboxes on our 50 inch flat screens...now wouldnt that be nice?

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I don't think your sanction is reasonable, no. And I fully understand your frustration, I'm just asking you to find a different way to vent it.

 

JCP staff deal with the frustrating system every day, and are routinely insulted by claimants. If they come here and are insulted further when they're off the clock, they might get fed up and leave. This would be a serious loss to the CAG benefit forum.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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I personally think sanctions are too extreme for the circumstances. A "first offence" with good reason seems harsh to have benefits stopped for so long.

 

Then again some people are sanctioned without recourse to Hardship payments and that is unforgiveable in my book....

. Absolutely its ridiculous, a bloke I know missed one signing time he simply forgot but only had a sanction lasting one week so in my case the punishment hardly fits the crime does it!!
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this is the new 'stick and carrot' approach to getting us all back into employment..of course it would help if there were any bl**dy jobs.....but of course you already know that......its is going to get a lot worse before or if it gets better....hope your appeal is successful..you never know its up to the Decision Maker now to have a look at why and the reasons why you didint apply.......

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you need to get hold of a gl24 form and appeal the decision....have a look at how long it would take you on the say the bus...they dont know you dont have a car....if its 90 mins away you could use that...otherwise try to explain what you have been doing to look for work....provide all the evidence you can...plus the unsuitability of the position not applied for and why...hope this helps....we all do understand here...and the reason you immediatly were jumped on for the immigrant remark is that as you are probably coming to realise the papers are the govts mouthpiece printing the rubbish they do...about the workshy..remember their are nearly getting on for the 3 million mark looking for work....its hard out there but the govt would have everyone believe if you sign on you are workshy..so you my friend are now in that boat...along with the rest of us benefit cheats who do nothing all day but play on our xboxes on our 50 inch flat screens...now wouldnt that be nice?

 

Ime now waiting for a re consideration form which has been posted to me which I believe is part of a appeal. There are people out there who genuinly want a job and there are people who don't and the evidence is out there to be seen and sometimes I see people come into the job centre there attitude is shocking and is very obvious they have no interest in work!! I don't believe in tarring everyone with the same brush that's wrong but I get the impression at times that we are!

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this is the new 'stick and carrot' approach to getting us all back into employment..of course it would help if there were any bl**dy jobs.....but of course you already know that......its is going to get a lot worse before or if it gets better....hope your appeal is successful..you never know its up to the Decision Maker now to have a look at why and the reasons why you didint apply.......

 

Can you tell me where the carrot is please?

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this is the new 'stick and carrot' approach to getting us all back into employment..of course it would help if there were any bl**dy jobs.....but of course you already know that......its is going to get a lot worse before or if it gets better....hope your appeal is successful..you never know its up to the Decision Maker now to have a look at why and the reasons why you didint apply.......

 

Thanks for your best wishes, the decision maker knows the reasons why I didn't apply because someone from the job centre rang me to enquire why so I told him. He then said he would have to pass that reason to head office who decided it wasn't a good enough reason not to apply so they sanctioned my benefit. So really I don't know what good filling out an appeal form will do but I will certainly let them know my feelings one way or another. I want to speak or meet in person who decided that 3 months sanction is a suitable punishment for not applying for one job. I understand the sanction goes from 1 week to 6 months, 6 months being kept back for the so called hard core who persistantly don't apply. So based on that I would have expected probably a week or two so shocked at 3 months!!

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Thanks for your best wishes, the decision maker knows the reasons why I didn't apply because someone from the job centre rang me to enquire why so I told him. He then said he would have to pass that reason to head office who decided it wasn't a good enough reason not to apply so they sanctioned my benefit. So really I don't know what good filling out an appeal form will do but I will certainly let them know my feelings one way or another. I want to speak or meet in person who decided that 3 months sanction is a suitable punishment for not applying for one job. I understand the sanction goes from 1 week to 6 months, 6 months being kept back for the so called hard core who persistantly don't apply. So based on that I would have expected probably a week or two so shocked at 3 months!!

 

The benefit of an appeal would be that it will be looked at by an independent tribunal, one that is not part of the DWP. Tribunals can often be more, well, lenient than DWP DMs. Also, before it goes to the tribunal it will be looked at by another DM to see if the decision can be changed in your favour without the need to escalate any further.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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