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    • That's what keeps divorce lawyers and mediators in work, I suppose. You think he's being unreasonable and he thinks you are.   My gut feeling is that it would be better to have this agreed in writing so it can't be challenged later, but that's just my opinion. Here's more information from the CAB in case it covers something you haven't already considered.   HB
    • Biden doesn't seem bothered about negotiating a trade treaty to suit the UK government's timetable. I don't suppose they saw this coming, not that the amount of trade involved makes up for what's being lost with Europe anyway.   https://www.independent.co.uk/news/uk/politics/brexit-boris-johnson-usa-trade-deal-b1807616.html
    • No we haven’t mentioned divorce yet The fair split is I give him half the equity and anything he wants to take from the house  I just feel he is now being unreasonable because I won’t change my mind and take him back 
    • Hi.   Have you spoken to a divorce lawyer or has your husband? Trying to look at this from the outside, it sounds as if it would be better to agree a fair split according to divorce law rather than deciding between you.   Sadly, once money becomes involved things can become more complicated, but I'd have thought a divorce lawyer would be able to advise.   ETA: Here's some advice from the government.   HB
    • I forgot to say he keeps trying to make me feel bad as well about it being his mums money that went into the house saying he should be entitled to more of a share because it was his mum who left us the money that done the house up
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

What chance do first time buyers have in your town-city.What do you think about your rent.

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Let us imagine.I hear many things.


In my day,when you bought a house you did it up over time and that was that.

Looked for a cheap house perhaps a little run down and bought it.

Then spent many years saving a little and spending on your home.

But i hear whispers,ok cannot be proved and i have not the time to delve to deep.


Many landlords may have contacts and when a cheap house comes up puff,it is bought as quick as that.

The first time buyers have no chance.Does this happen,perhaps you can tell me.


I am not in a big town but i spoke to one landlord who had one hundred properties.

And another who together with a few others connected to estate agents had 400 properties.


Rents for some of these properties make me laugh,and because these are so high i have heard some landlords get ripped off,take anybody who says they will pay the rent.

Instead of lowering it a touch and getting decent tenants.

When finally many weeks later and the house is wrecked,just brush it off.

Has many properties so perhaps expected.

And if what i have heard is true,word gets passed round and the same happens again.

And one is doing this over and over again.Now this part i can not understand at all.

Maybe he is just stupid.


So many will hopefully read between the lines of this short thread and say what you think of modern day living.

And first time buyers and landlords in general.And tenants and rents that many must find it is hard to pay.


And if first time buyers who deserve their chance in their local towns and cities are losing out through underhand practices this should be sorted by some sort of law,or changes to how houses are sold.Do you think this is reasonable.

What can be done.

Something seems to be building.


Do you know strange things that are going on in your town,city.

I will be very interested on what you will say i hope of your experiences in your place you call home.

If renting for six months perhaps.You never know.

Some places i believe in France have 10 year leases.At least you would feel secure.


And am i imaging how run down the outside of many tenanted properties are.

Inside maybe ok,or maybe not. But outsides that many you see are clearly not maintained.

Not the gardens the properties themselves.


Do councils have to check these out when let.

Have a team to check this ,the property is in fair shape for letting out.

Independant people.And teams.

Things need improving.

But that is my view,and expect some reaction.

I feel some thumping at the door.

Come on in and introduce yourself.

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Rents are disgracefully high.


I think some buy to rent people seem to be very clued in to where Repossession sales are being held and it wouldn't surprise me if they did have contacts that gave them a heads up.


It is my belief that rents started to increase when the housing benefit came into force. Landlords knew they could pretty much name their price.


Having said that, I think there was a programme a few years ago that showed the condition of several properties, that were pretty much perfect when the tenants first took over, but a few months later, they resembled slums. I guess those Landlords, once bitten, might consider increasing the rent or the deposit requirement JIC.

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around me in the late 1980s as the coal mines were shut down, whole streets we bought up by what we call the "Bradford Landlords", for as little as two thousand per house, people moving away jobs were desperate, Now those houses are little better than slums, as apart from the day to day maintenance the law says they must do nothing has been done, but the town is on the up, investment is starting to work, and now the value of those house is growing fast, so they are coming on the market but considering the local advantage wage is still around twenty grand, they are price around £180,000 but need another 25 to 30 grand to make a decent home of them, locals carnt aford to buy then, so commuters from the large city's around here are buying them up so locals are being forced out and the town is becoming a bedroom area, in some areas were there are a lot of new build £250.000 "affordable" apartments were built on the local coal mine site there is nobody around on a weekend, and the local shop wont open at all on a Saturday or Sunday as there is no trade.

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