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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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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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I have a shared ownership lease with a housing association. We have a solar system that heats the water.there is no maintenance provision in the lease at the moment. Can the housing association add this now ?

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Is the system new or was it in place when you moved in?

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Can you give more information on what's happened and what has prompted your question and the kind of figure involved.

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Responsability for the solar is a grey area .housing association say that it is in the lease. I have read the lease several times and the solar is not mentioned.Housing association now say they e will set up a maintainence contract and add it to our service charge.

 

My argument is they boobed not including the solar in the lease so they should take ownership of that and not expect us to pick up all the cost

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I've moved your thread to the Residential and Commercial lettings/Freehold issues forum as I think there will be more people with knowledge of service charges.

 

 

What does the lease say about maintenance generally? Is there a maintenance (sinking) fund?

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I own 50% of the? apartment .I pay service charge of 148.00 per month and a portion of rent .the solar only heats the water.the solar is not mentioned in the lease. I cannot get insurance to cover the solar.when I raised this issue with the h/a they agreed with me it was a very area also agreeing. That solar was not covered in the lease.

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Generally if its not in the lease then you dont have to pay it.

 

Im in a similar situation, the lease obliges my landlord to repair the driveway but makes no mention of how the cost is to be recovered, he therefore he hasn't done repairs and I've sued and won.

 

HOWEVER, many leases have vague catch all clauses that MAY be interpreted as allowing for the cost of services such as solar heating, in addition a landlord can make an application to remedy a faulty lease, general;ly this means for example where services charges dont add upto 100% but there has been case law allowing changes such as yours where the service has been provided and the tenant should pay, i.e after all..you enjoy the heating.

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Thanks, the lease does seem to be all in the Housing ASSOCIATIONS favour. I would not advise anyone to get involved with a shared ownership apartment . Feels like I have handed over my 50% share and have no control over my enviroment

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Hi

 

I know you stated that the system was installed before you moved into property.

 

1. How long have you been in the property?

 

2. Have you had any invoices/service charge since moving in relating to this?

 

3. Have you been given any information relating to the charges for the Solar Panel Heating/Maintenance since moving in?

 

4. Did you get Legal Advice on Shared Ownership as you purchased the property?

 

5. If yes to above were these charges/factoring/maintenance charges mentioned for the Solar Panels? (Have you asked those that gave legal advice if Solar Panels were ever mentioned?)

 

Things you want from Housing Association: (Put this in writing, keep a copy, get free proof of posting at the post office. Put everything in writing you want to keep a good paper trail)

 

1. Copy of the Complaints Procedure.

2. Copy of the Service Charge & Factoring Policy for Shared Owners.

3. Complete breakdown of all Service Charges/Factoring Charges for your property since moving in date.

4. Copy of the Policy on the Solar Panel Heating Maintenance?

5. Exactly which terminology/clause/ in your Shared Ownership Agreement allows this.

6. When were the Solar Panels Fitted.

7. What is the Maintenance Routine for the Solar Panels.

8. Who is the Manufacturer of the Solar Panels.

9. What is the Life Span of the Solar Panels.

 

Also check their website and in their own search engine on the website just type Solar Panel/Heating etc and see what comes up relating to this especially look for the Board Meeting Minutes and try to find those referring to these Solar Panels.

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Thanks, the lease does seem to be all in the Housing ASSOCIATIONS favour. I would not advise anyone to get involved with a shared ownership apartment . Feels like I have handed over my 50% share and have no control over my enviroment

 

The thing with leases is that you dont have to sign, if you dont like the contract you can walk away, far too many leaseholders only read the lease once they have purchased the property.

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Thank you for the responses, to answer your questions;

I have lived in this apartment for 3.5 yrs.

There is no service charge agreement as yet for the Solar at present but H/A are trying to arrange this (and have been attempting to do this for seven months )

As far as I know the Solar Panels have never been serviced ,the apartments were opened in 2010.

I raised the issue last September after being unable to get a service agreement set up for the solar equipment within my apartment. When I approached the H/A about this issue I became aware that that the panels on the roof were not being maintained. They said it was a "grey area" and that is was not in the lease ( I have this in an e-mail ). My self and the other 10 leaseholders are now acting together to try and resolve this issue .

 

None of our solicators raised the issue of the Solar with us , as it it not mentioned in the lease. I did not read the lease as that is what I thought I was paying my Solicator to do on my behalf, but if something is not stated in a lease then it cannot be discussed. That is my argument with the H/A; We were not given all the facts to enable us to make an informed decision to decide if Solar was right for us.

I have researched the system we have ,it needs yearly maintence, very good when working well but expensive to repair, has a life span of ten years, has the capability to provide hot water for 3-4 bathroom household. These apratments have 1 bathroom and are for over 55,s, most of us live alone !! I beleive the H/A installed them to tick the " Green Box " .I have asked if a feasability study was done with regard to this system but as yet I have not had an answer !!!!!!!!!! I have asked the H/A to consult with us Before they set up a service agreement, if this happens remains to be seen . I dont have much confidence in them at the moment

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Solicitors are there to point out specific problems in a lease but potential purchasers should read it as you are agreeing to a contract for a long period perhaps the rest of your life and they vary a lot.

 

So when did the solar panels get installed ?, were they part of the original build ?

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Is any electricity generated sold back to the national grid if there is more than required?

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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Ah right. Not something I've heard of I don't think. Thanks mariner :)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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