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    • Where a person who owns or partially owns a property enters into an IVA, it's usual practice that in the fifth year, the person has to attempt to remortgage the property to release equity. It's extremely rare that a homeowner will be successful in remortgaging due to having a poor credit rating. Where the owner is unable to remortgage, the IVA is extended for a further year. This is absolutely normal practice in an IVA, and if your sister cancels payments to the IVA, the IVA is at risk of failing and she could be made bankrupt, therefore losing any equity she has in the property. 
    • Right. So I think it would be  good idea to give a brief description of the property, for example detached house, or flat or terraced. And some sort of identifier so we can distinguish from other properties you handle. An incomplete street address eg "No.14" would do so while preserving your privacy. Is the freehold title discrete for the property, or does it cover other leasehold properties? And a bit about your history, how current ownership came about. At one stage you said it used to be your family home, elsewhere you wrote that you'd bought the leasehold. Did those comments refer to this property? Did you acquire it on the open market, or from your family? Is this the house with the garages, where you own the freehold? Trying to understand whether there are underlying reasons that might account for problems with valuation, eligibility for finance, and the fact that neither you nor Lender found it possible to sell. Finally (for the moment) you refer to existing litigation. Does that relate to this property? If so it would be good to give a brief overview. Civil or criminal? What role do play .. claimant, defendant, appellant, respondent?  Charge, or cause of action. You don't want to go off on separate path that would better joined to the current proceedings. 
    • Can you confirm the client on the letter please? Is it The Original Energy Provider or PRAC Energy? 
    • Hi Lolerz Many thanks for your guidance. That gives me a base to work on. In terms of time we still have plenty ? I want to spend a bit of time on this ove the coming days.
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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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This might seem, incredibly obvious to some, however, it wasn't obvious to me, until I tried a small experiment at home, which was Unplugging sockets! ~ Strange though it might seem, just by doing this, I save myself over 60p per socket, for every one thats left plugged in!

 

60p might not seem much, however, but when its multiplied by the number of 'live' sockets in yourr house and then added up, it amounts to around £30 per month. Multiply that by the cost per year and wow, its quite a saving!

 

Applied Education is the difference

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As they say, "every little helps".

 

I wasn't aware of this myself until about 18 months ago and I like to think that it has made a difference to the bill :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 7 months later...

Switching the socket switch off should have an identical effect to unplugging. In both cases the circuit is being broken at the socket. At least, I think this is true though, not being an electrician, I may be wrong. Did your experiments compare unplugged with 'plugged into a switched ON socket', or did they compare unplugged with 'plugged into a switched OFF socket'? If the socket switch was on then the appliance would have effectively been in standby mode so it would be drawing current. If the socket switch was off then I am baffled that you found a difference.

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Solar flare, you are correct.. simply switching the current off is identical to unplugging them totally :)

 

Plus you dont have the plug lurking around!

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 months later...

Just one word of warning. Constantly turning on/off a Broadband / Fibre router will look like a "line fault" at the exchange end.

 

Exchanges dynamically drop the speed bit by bit until their fund a "more stable level". Carry on doing that with a router and you'll be back to the old dial-up days in a few weeks :D

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Just one word of warning. Constantly turning on/off a Broadband / Fibre router will look like a "line fault" at the exchange end.

 

Exchanges dynamically drop the speed bit by bit until their fund a "more stable level". Carry on doing that with a router and you'll be back to the old dial-up days in a few weeks :D

 

 

and re-setting everything with a clock - cooker, microwave, alarm....etc etc

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thats why I don't bother at all lol...

 

But I'd advise people to invest in an energy monitor at least. The one I got from British Gas a year ago has been handy for several reasons:

 

1) Working out what chews power the most in the house

2) Forgetting that heaters or cookers are left on

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Don't forget that many ppl are concerned about alleged radiation dangers and invasion of privacy from smart meters. They set up an organisation fighting to stop their becoming compulsory, as is happening by stealth in some areas.

As regards the question of plugs and sockets, I once read a letter to a magazine in which the author said her grandmother always stuffed the plug holes with cotton wool to prevent expensive electricity coming out.

I wonder how much the cotton wool cost.

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  • 8 months later...
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