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    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • The property was our family home.  A fixed low rate btl/ development loan was given (last century!). It was derelict. Did it up/ was rented out for a while.  Then moved in/out over the years (mostly around school)  It was a mix of rental and family home. The ad-hoc rents covered the loan amply.  Nowadays  banks don't allow such a mix.  (I have written this before.) Problems started when the lease was extended and needed to re-mortgage to cover the expense.  Wanted another btl.  Got a tenant in situ. Was located elsewhere (work). A broker found a btl lender, they reneged.  Broker didn't find another btl loan.  The tenant was paying enough to cover the proposed annual btl mortgage in 4 months. The broker gave up trying to find another.  I ended up on a bridge and this disastrous path.  (I have raised previous issues about the broker) Not sure what you mean by 'split'.  The property was always leasehold with a separate freeholder  The freeholder eventually sold the fh to another entity by private agreement (the trust) but it's always been separate.  That's quite normal.  One can't merge titles - unless lease runs out/ is forfeited and new one is not created/ granted. The bridge lender had a special condition in loan offer - their own lawyer had to check title first.  Check that lease wasn't onerous and there was nothing that would affect good saleability.  The lawyer (that got sacked for dishonesty) signed off the loan on the basis the lease and title was good and clean.  The same law firm then tried to complain the lease clauses were onerous and the lease too short, even though the loan was to cover a 90y lease extension!! 
    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
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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.  

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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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      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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Industrial claim


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My mum died recently from mesothelioma, asbestos cancer. I was prompted by the lung nurses at her hospital to put in a claim for compensation, I researched it and the internet is full of it.

Can anyone please tell me how I find a solicitor that won't rip us off, the few I have tried are asking for money up front.

I filled in the government form but it was rejected, I really do not understand all the legal jargon, and would welcome any help at all.

Many thanks in advance.

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If you want some help with the form then if you post it here, we may be able to give you some clues. In terms of getting a solicitor – yes your right you will deftly need that kind of help and you can be sure that an ordinary high street solicitors will not have the experience to be able to do the job properly. You need an employment specialist and although we very rarely recommend particular firms, you could try contacting Thompson's https://www.thompsons.law/ Who are probably one of the biggest and most experienced in the business.

 

Of course, do your best to get some kind of no-win no fee deal including an insurance so that if you fail, any losses are paid by the insurer. Or else the solicitors absorb the losses themselves.

 

I suggest very strenuously that you don't get involved with any claims management people and certainly nobody who cold calls you

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Guest Mrs Hobbit

I am not too sure that you can claim compensation as this did not directly affect you (I am not being flippant). if you were dependent on your mother before her death this would have been different.

 

Please let us know how Thompsons respond.

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I am not too sure that you can claim compensation as this did not directly affect you (I am not being flippant). if you were dependent on your mother before her death this would have been different.

 

Not correct.

Being financially dependant on the mother is required for part (but only part) of a claim under the Fatal Accidents Act 1976 (the so called 'dependency claim')

 

Even if not a beneficiary of the deceased estate, a daughter can claim under FAA 1976 (if they paid for the funeral) for funeral expenses, if not claimed under LR(MP)A 1934 (see below).

A daughter cannot claim for 'bereavement damages', (the third head of claim under FAA 1976).

 

The deceased's estate (and thus its beneficiaries) can also bring any claim that the deceased would have been able to bring (such as a mesothelioma claim!) at the instant before death under the Law Reform (Miscellaneous Provisions) Act 1934 [LR(MP)A 1934]

This would include funeral expenses, but these can only be recovered once (under either the LR(MP)A 1934, or the FAA 1976, but not both).

 

So, the FAA 1976 applies for the OP even if the OP is not a beneficiary of the estate, but if a beneficiary of the estate the estate should take action under the LR(MP)A 1934, as it covers more matters (such as a claim for pain, suffering and loss of amenity that the FAA 1976 doesn't).

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Guest Mrs Hobbit

Bazza, I am writing from my experience with a claim. All I got was the funeral expenses. I was the wife.

 

There was nothing before and the claim was initiated six months before death in 2008.

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Bazza, I am writing from my experience with a claim. All I got was the funeral expenses. I was the wife.

 

There was nothing before and the claim was initiated six months before death in 2008.

 

A claim under the government scheme, or against a previous employer (or their insurers!) resulting from industrial exposure to asbestos.

 

Was your claim made under FAA 1976 or by the estate under LR(MP)A 1934?

If it was made before death it'd have to be LR(MP)A 1934 : so why nothing for pain, suffering and loss of amenity?

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I have heard this before.

I have spoken to solicitors and been told that because no one else is taking action against her former employers, they won't take on the case.

Worth a try I suppose.

 

For mesothelioma there would should be a coroner' inquest, even if the cause of death is clear. What was the inquest's verdict?.

 

The diffuse mesothelioma payments scheme also got amended. The initial (2008) scheme may not have predated Mrs Hobbit's experiences, but even if it did, it was amended in 2014 to cover diagnoses since 25th July 2012.

 

https://www.gov.uk/government/news/asbestos-victims-to-get-123000-in-compensation

 

What was the date of your mother's diagnosis?

Has the estate made the claim under LR(MP)A 1934?

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Just wanted to say Thank you to everyone who answered my call.

I have decided to not pursue this any further as it just stirs up memories that are not the most pleasant.

I will just leave it and try to come to terms with losing mum.

Once again my most grateful thanks to you all.

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Guest Mrs Hobbit

It was under LR(MP)A 1934. Nothing apart from funeral costs. This is why I am interested in this claim. I know what I was told (in writing) why I was not eligible for any compensation, but thought they would consider what husband had gone through.

 

 

Coroners verdict Lung Cancer mesothelioma; His RN Service record was discussed at length, contributing factor was the length of time to exposure.

 

rosysummer, I chalked it up to experience and decided not to pursue it any further as I would be taking n Royal Navy

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I feel the same way, my mum was a laboratory technician and used asbestos mats to dry the beakers on, her death certificate says Mesothelioma, due to contact with asbestos, if I'm honest I just want to put it all behind me, this is the wrost of all cancers, and very distressing to see your loved one go through, I feel for you Mrs Hobbit, thank you for all your help,

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