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    • 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!! 
    • 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.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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e-petition for Cameron & Osbourne to resign and call a election


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Sorry Philip Bateman this is just political rubbish. The blame continually being attributed to the Labour Party is perfectly justified as they are the party that got us into this mess. Their continual 'No more Boom or Bust' has proved to be the stupidest statement any party has ever made and in fact Gordon Brown has led us into the biggest and deepest Bust this country has ever known.

 

If you think a silly petition can lead to a general election you are very misguided. If it was that simple the opposition would have done it long ago.

 

You are also not looking at the amount of Labours debt that has been paid back already. Making contracts that is more expensive to cancel than continue with, commissioning the building of two aircraft carriers bigger than even the US has is more than stupidity, it is criminal. We haven't any aircraft to stock them with nor the sailors to crew them with. They are to be finished, because there is no way out of the contract, and then put into mothball.

 

This is the mess that has to be sorted. And while I don't agree with a coalition, (we would always have had these if the looney Libdems had their way with proportional representation), at least this government is making an effort to pay back the debt Labour made and to get the country on to a footing that should prevent it happening again.

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So all you can do is answer a question with another question, I thought so.

 

I see no mod trying to pick a fight with anyone. I see that Conniff has questiond a stupid epetition that will get nowhere and the setter of the petition knows that.

I also see that someone, in typical tree hugger fashion, has said I am wrong, but hasn't given any reason why or said what is right.

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I'm not left, right, up or down. I don't care about politicians or the things they say, but I can see when one party is only interested in spending money we haven't got and another is trying to correct that.

Maybe they are attempting social restructuring, the country probably needs it. If you take child allowance, it was only an interim measure brought in after WW2 to supplement women whose husbands never came back from the war. That was almost 60 years ago and there should be no reason for it's existence today. There are a million things having money spent on that are not the responsibility of government and they shouldn't be called on to pay for these things when ultimately it is you and me who pay for it as the government doesn't have any commercial income.

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If you look at the full situation, it is not wages being too low, on the contrary, they are too high and this country is pricing itself out of the world markets. Our industry could not compete so has all shut down. This country is practically living on service industries which does not earn the country any money or pay wages.

 

It's not 'if wages were high enough', it's 'if people lived within their means'. Wages up, costs up and the circle just goes around and around. You can see that with the railways, huge rises which now makes them the most expensive railways in the world, but no huge extra profit because they have to pay high wages.

 

I'm not saying the ordinary person shouldn't have nice things, but I am saying the population seems to have a misconception of 'I'm entitled' when they are not entitled to anything.

 

a petition would be better served if it called for the abolition of payday loan companies with the 1,000s of % interest and the bill of sale (logbook loans) style of lending, and most of all, a big clamp down on banks and their gross bonuses.

 

I don't expect the Tories to get back into power mainly because of a voting public that is blind to the 'real' things that matter. There is no such party as LibDem, they were always a joke, this is still a two party country and it will take an eternity to break that. The problem we have is Labour will get in at the next election spend/borrow/spend more/borrow more and on and on until the next election when the tories will get in again and have to clean it all up again, that is how it has always been.

 

One thing is certain, Labour may shout about some of the measures being taken today, but they won't reverse a single one when they get into power.

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The fact we all pay taxes so that later in life we're meant to be looked after/helped no-longer seems to matter anymore, which to me is the really worrying issue here.

 

Of course it's worrying, but this is where changes have to be made. The NI was based on people living up to 70 with only the odd one or two going past that, but now with the majority of people living well into their 80's, there just isn't enough funds to pay for all that is associated with being older.

 

Not only are they drawing pensions for 20 years more, they are also consuming medicine by the bucket load and making huge demands on the NHS, in general.

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In answer to that, all I can say is Look at China, they are taking over the world because they have low wages and can make everything cheaper than the rest of the world, even India can't compete with them which is why all the manufacturing is done there. Why do you think dyson closed his UK operation and factory and moved to China, he couldn't make enough profit using the UK.

 

We people have our destiny in our own hands, if someone is willing to pay £thousands per week for a 2 room flat in London, then bigger fool them, but they shouldn't expect the government to subsidise this gross abuse.

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I live on basic essentials, so I know full well how costly it is to live.

 

One way out is to stop dead the bull**** and greed of councils. Look at the amount of empty shops there are in every town and city, they aren't all empty because there are no customers, they are empty because councils charge too much in rent and business rates so the goods are too expensive. Councils would rather the shops were left empty than advertise, 'no business rates for 2 years if you move to our area'. They have a 'can only be used for xx' policy that brings in no money.

 

There was a huge Coop furniture warehouse quite near here that shut up shop. Application was made to move into it my Go-kart, bowling alley and countless other companies, but the council said no it is for furniture and it was empty for 20 years making no money but costing on security and inspections.

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The cost of living in china is very low compared with here. And cost of living rises here are really due to corporate and individual greed and profit chasing. That can be traced back to the 80's and the privatisation of essential services, and selling off of social housing stock.

 

Yes, privatisation. One of the Tories most stupid policies. First, Gas, Elec and especially Water should never be owned by private companies. Look at the profit they are making, and as they are 'all' owned by foreign companies, all that profit is going out of this country. The government wouldn't have shareholders so even more of that profit could be used to pay NHS and benefits.

 

Why are the railways called private when they are still subsidised by the government but making profit for the shareholders. Stop those subsidies now.

 

Banks are in hock by billions to the government, but are still paying obscene bonuses, in fact, they are just laughing at the government who for some silly reason thinks they should prop them up when they never prop up other private businesses. Woolworths went down for the sake of a couple of million which the government refused to lend them, the same with LDV and the consequence is thousands more on benefits.

 

None of the governments seem to have the common sense or guts to just do it.

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Something we agree on!

 

I think we aren't too different estellyn, we just see things in a different order.

 

Thank you so much for the discussion and if I said anything that appears offensive or personal, it was not intentional.

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