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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Trust of Land Act


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My mother in law has got to sell her farm to the local council as they wish to build a road. About 23 years ago my sister in law and her partner moved into a mobile home on the farm . They gave the in laws £20000 and lived there rent and bill free for 4 years until he decided to leave. When the money was given my father in law (now deceased) without my mother in law's knowledge (in laws joint names on the deeds only) gave them a letter saying they would get 20,000 back plus 20 per cent of the profit of the sale. The council are paying 350,000 for the farm plus her solicitors bill stress etc which amounts to about 530,000. Her solicitor said that the her half of the property could not be taken into account as she had not signed the letter and the most he would be getting was 34,000. He has now said he wants 110,00 and is quoting Trust of Land Act. Can some one please explain this to me as my mother in laws solicitor said she did not really understand it. Many thanks

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Good evening Sanpez

 

Based upon your above posting, it appears that there is a debt owed at law to your sister-in-law pursuant to the terms of the said letter. Can you post up the full contents of the said letter, further, did your sister-in-law and her partner carry out any work on the farm, assist with the daily running thereof etc, etc?

 

Kind regards

 

The Mould

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Thank you for your quick reply, unfortunately I do not have a copy of the letter, I will try to get a copy although it is a bit old 1981 I think. My sister in law and her then partner lived there for about 4 years and they had their own horses that they stabled there and did not do any other work for the farm. They gave the inlaws 20,000 as the purchase of the farm cleared the inlaws out, but did not pay rent or bills. After 4 years he left and my sister in law moved out as well. There is no dispute that they are owed the 20,000 with 20 per cent interest on the profit from the sale of the farm, incidently it is not my sister in law who is asking for the money but her ex partner who has appeared after 20 years. I will try and get a copy of the letter and post it for you to read. It just seems so unfair that he is entitled to £110,000 due to this Land Act when he has not contributed to the upkeep for over 20 years and the fact that my mother in law is the one losing out.

Kind regards

sanpez

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Good morning Sanpez

 

I apologise for my confusion as to the party making the claim, I understand now that it is your sister-in-law's ex partner, thank you.

 

Did your sister-in-law and her then partner put up the funds of the said £20,000 jointly?

 

The ex's claim will turn on the terms of the agreement set out in the said letter provided by your father-in-law and whether or not he (the ex) put the full amount of the said sum up out of his own finances.

 

The above needs to be established by you, it may be the case that the ex is only entitled to 50% of the £20,000 and 50% of the said agreed 20% promised by your father-in-law in the said letter.

 

How has the ex calculated the sum of £110,000 that he asserts entitlement to?

 

On another note, do you have any idea as to what Andrew88 means by his above post?

 

Kind regards

 

The Mould

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Hi,

Many thanks for your reply not sure how he has calculated the amount but have been told by his solicitor that it is something to do with the land act. Mother in law has no problem in giving him half of the 20,000 + 50% of the 20% per cent of the profit. His solicitor has sent a letter saying that he is entitled to £110,000 because of this Land Act. The original 20,000 was paid to the in laws by both sister in law and ex partner. He has had no contact with them for over 20 years and has not done any maintenance, when they gave the money father in law gave the letter regarding pay back, when he left he put a claim against the land for when it was sold to get his money back which is fine it is just the amount that he has come up with. My mother in law is 78 disabled having to move because of a road and she really does not need all this. Thank you for any advice you can give.

 

Regarding Andrews88 I can not see his post.

 

Many thanks

Sanpez

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Thank you Sanpez

 

At what stage is the dispute concerning this matter?

 

Has the ex, through his representatives, set out his claim against the Estate in full and the grounds as to why he asserts entitlement to a sum of £110,000 under the said agreement with your late father-in-law? If he has not, send a written request to his representatives for the same, stating that you do not dispute that their client has a claim on the Estate, however, in the absence of details as to how your client asserts entitlement to the sum of £110,000, we believe, on the facts as to how the said agreement came about and that your client did not fund the entirety £20,000 out of his own finances, that your clients' claim to such sum is groundless.

 

Further to the above, contrary to your clients' claim to the said sum of £110,000, it is in fact the case that your client is only lawfully entitled to 50% of both the said £20,000 and the said 20% of the £350,000 sale price of the property pursuant to the said agreement made between your client, my sister-in-law (state her name instead) and my late father-in-law (again, state his name instead).

 

The above is only an example for you Sanpez and may not be relevant, depending on the stage of this dispute, in any event, I do hope this will be of some help to you and your family.

 

Kind regards

 

The Mould

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