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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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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. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Our daughter received this morning a letter from our Local Council stating that she has to pay £60 a month for her 2-bed Council Flat.

There is only her and her 2 boys (one is under a year old and the other is 2), and she is unemployed.

 

She phoned the Council today and they said that she HAS to pay it because all Council Tax is ending.

I assume this has nothing to do with the Bedroom Tax, but if Council Tax was ending surely it would be on the news or similar.

I know this new all-encompassing benefit payment thing is starting soon, does it have something to do with this?

The Council, as ever, are not being very helpful in clearing this up.

Any ideas Caggers?

:)

Expecting the world to treat you fairly because you are good is like expecting the bull not to charge because you are a vegetarian.

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I have moved your thread to the correct location.

 

Thanks, sorry about that, much appreciated.

:)

Expecting the world to treat you fairly because you are good is like expecting the bull not to charge because you are a vegetarian.

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Our daughter received this morning a letter from our Local Council stating that she has to pay £60 a month for her 2-bed Council Flat.

There is only her and her 2 boys (one is under a year old and the other is 2), and she is unemployed.

 

She phoned the Council today and they said that she HAS to pay it because all Council Tax is ending.

I assume this has nothing to do with the Bedroom Tax, but if Council Tax was ending surely it would be on the news or similar.

I know this new all-encompassing benefit payment thing is starting soon, does it have something to do with this?

The Council, as ever, are not being very helpful in clearing this up.

Any ideas Caggers?

:)

This issue has been on the news.... and arises from the change in formula used by Local Authorities in delivering a Local Council Tax Benefit, and an attempt (through Welfare Reform) to incentivise those in receipt of benefit to work harder. Essentially, Central Government decreed that they would reduce Council Tax Benefit by 10%, and it was down to Local Authorities to devise their own Council Tax Benefit Scheme.

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It may be that, in your daughter's area, the council has decided that all claimants have to re-apply for the new universal credit and that, until your daughter does, she will have a council tax bill to pay. She should contact the Council Tax Benefit department at the local council and ask them what they are instigating to replace CTB and can they please send her the relevant forms.

 

Feebee_71

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The abolition of council tax benefit (CTB) has been in the news but hasn't caught the imagination of the press and politicians to the same extent as the 'bed room tax' even though it has the potential to affect more people. Each council was supposed to consult on the proposed Council Tax Support Scheme (CTS) they were introduction, i know my local council wrote to all claimants asking them for their opinion.

 

As the above post says central government has cut the funding for the new scheme by 10% and also protected pensioners, so working age people like your daughter will experience 15-20% cut depending on what scheme your local council adopts. Saying that £60 per month seems a huge cut given the modest sized property she is living in.

 

Its hard to advise as there is now a patchwork of different schemes, some local authorities have started counting Child Benefit as income (this was excluded in the old Council Tax Benefit). You and your daughter need to look at the benefit decision notice and try to reed through the local regulations/guidelines to try and get an idea of whats going on.

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Can anyone confirm that any council who wish to inform it's occupants of changes etc must give them 1 months notice ?

The reason I ask is because today 20th I received notice of paying council tax (out of my Benefit) from next april but the letter head is dated the 2nd March ? Theres no post mark on the envelope.

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The minimum required notice before a first instalment can be taken is 14 calendar days (from date of posting) followed by instalments not less than 1 month apart under the default scheme. If the council use the discretionary scheme then they still have to give 14 calendar days notice but can then allow weekly or fortnightly instalments.

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