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    • I've had a text and email from MCB: "Dear XXXXX Please contact us today. Your payment has not been brought up to date and we would like to discuss your account with you as a matter of urgency. Our telephone number is 02039236888"   " Early investigations confirm you are resident at the above address. Despite this, we have not managed to speak to you about your now, seriously overdue debt.   We are now instructing our external debt collectors to contact you directly in relation to your loan account. If you want to avoid this course of action, contact us today on 0203 923 6888"
    • What type of finance is it?   HP, PCP, Loan? They want her to ring so they can bully her into making payments she can't afford...unless she can record her calls then IMHO, I'd keep everything in writing. Is £400 SSP her only income? There's no chance they will justify taking half of that.   Lodge a formal complaint with them ASAP, exhaust it, and then you can escalate it sooner rather than later, ruddy sharks!  
    • Is all of this actually on the signage? Don't remember seeing that much detail on other threads.
    • If I have learnt one thing from this forum, it's not to call and communicate via email. I passed this info on to her and they are pushing for her to call them.    "Unfortunately, you will need to call us. The conversation won’t be so black and white as to therefore type over email. In a nutshell we can confirm that the request to not pay for 3 months we cannot put in place"  I emailed them back on her behalf and said that what ever is discussed over the phone will need to be put in an email so that she can review it properly. No decisions will be made on that phone call.    "Once we speak to you on the phone we will follow up with an email to confirm the options discussed. [Phone number]"   Why are they pushing for a phone call? If its not so black and white, why can they then follow up with an email?  
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      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.

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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.
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      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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Things being thrown in to my garden from a neighboring property


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Start off by photographing everything which is thrown on to your property.

Get a "filed plan" of your property from the Land Registry with your boundaries marked in red. Get Google maps and Earth print outs so that it is all very clear.

Document every incident and also make sure that all of your dialogue with the home is in writing or confirmed in writing.

 

I would be very careful to make sure that all of your dialogue is couched in a way which makes it clear that you appreciate that the "throwers" are people in very sad circumstances and that you sympathise with them but on the other hand, the managers of the home have a responsibility.

You don't want to come over as someone with no social understanding and who doesn't give a monkeys about other people. I think that would be very unhelpful to your case.

 

At the end of the day, your action is in trespass.

Trespass to property is not only about intruding on some one else's land - but also with dealing with the land in a way which only the owner or lawful occupier has the right to do.

This can be dealt with by means of a simple County Court claim. Rather than going for an injunction straight off, which would complicate your court claim, I would start by making a claim for a modest figure in compensation - say £100 to cover cost of removing and disposing of the items and for inconvenience. The idea of keeping it very small is so that the management will be obliged to sit up and take notice - but it won't be such a large amount that they will feel justified in instructing a load of lawyers and turning it into some marathon event.

 

make sure that the sum you are claiming can be justified to a court. If necessary, claim less - but keep it just a pure money claim.

 

An action for trespass can also include a claim for exemplary damages which are a higher sum which might be awarded to compensate you for hurt feelings - or the insult to your rights over the property.

As you appear, at this point, merely to be concerned with the risk of harm to your child rather than getting some money out of it, I suggest that you don't bother with this head of damage on this first occasion. Keep it simple.

Hopefully the Home will want to sort themselves out once they see that you are prepared to take an action - and this simple uncomplicated process might sort the whole thing out.

It is highly likely that they would want to avoid court and would attempt to settle with you. I would refuse to settle unless it was all subject to a Tomlin order which is an agreement which is signed off by the court.

If there were further incidents then you could revisit the problem based upon the Tomlin order and also consider bringing a more serious action for the fresh trespass which might include exemplary damages - maybe £500 if you were lucky. The important thing is that a second action on the back of a Tomlin order would be likely to get you a more significant award.

 

A suitable Tomlin order might include an undertaking to prevent further occurrences, and agreement to be injuncted in the event of further occurrences, an agreement to be responsible for the collection and disposal of any other items which are thrown over the fence in the event of any breach of the Tomlin order, an agreement to pay your costs incurred so far (clam fee etc) - etc.

 

If this way forward appeals to you, then build your file so that it shows the whole story and in a logical and chronological manner. Include copies or notes of all correspondence or dialogue.

Write letter to the care home and include a copy of the file. Point out your previous approaches to them and that the problem is continuing and that if there are any further incidents at any time, that you will begin an action in the County Court for trespass without any further notice.

 

Do not make this threat unless you are prepared to carry it out.

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  1. This claim is for trespass/nuisance
  2. The claimant is the owner of XXX address XXX
  3. The defendant is the party responsible for XXX care home at XXX address and which adjoins the back garden of the claimant's home
  4. The residents of the care home are persons with various learning disabilities. They are the responsibility of the defendant for the purposes of this claim.
  5. For over two years the residents at the care home have been throwing objects on two the claimant's back garden and despite being made fully aware of the problem and despite admitting the problem the defendants have taken no action or no adequate action to prevent this.
  6. As a result of this trespass and/or nuisance the claimants rights over her property being undermined and she is also being prevented from the peaceable enjoyment of her property. In particular the objects which are thrown onto her land are a danger to her young child in that there is a risk they might strike him or that he might play with dangerous items.
  7. The claimant seeks nominal damages not exceeding £100.

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