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    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
    • Why ask for advice if you think it's too complex for the forum members to understand? You'd be better engaging a lawyer. Make sure he has understood all the implications. Stick with his advice. If it doesn't conform to your preconceived opinion then pause and consider whether maybe he's right.
    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
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Horrific Fire In London As Tower Block Erupts In flames


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People trapped in huge west London tower block inferno – reports

A 24-story tower block on Latimer Road in west London has been engulfed in a horrifying blaze, with reports saying people have been trapped in flats in the upper stories.

The massive fire has engulfed the Grenfell Tower in North Kensington from the 2nd story to the top floor, the London Fire Brigade has tweeted. It added that at least 40 fire engines and 200 firefighters have been battling the blaze.

Live.RT.

https://www.rt.com/uk/392135-west-london-tower-inferno/

 

BBC.

http://www.bbc.co.uk/iplayer/live/bbcnews

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So sorry for all the people trapped.How the hell can a fire spread this fast this day and age.Fire alarms etc.

Many people must be wondering. One hundred and 40 flats.500 People roughly.

Flats perhaps around 50 years old.

Reports of fire starting 2-4th floor.Many rumours of why fire started,fridge setting on fire a blast.It will become clear.

Other person saying fire alarm did not work but early days to be sure of anything.

30 taken to hospitals,but how many are trapped in that building.

Many must have been asleep when it started.Early morning-1-2 ish.

Possibly the building could collapse.

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London Fire Brigade

North Kensington - tower block fire

Forty fire engines and over 200 firefighters and officers have been called to a tower block fire on the Lancaster West estate in north Kensington this morning.

The Brigade has received multiple calls. The fire is from the second floor to the top floor of the 27 floor building. A cordon is in place around the building and around 30 adjacent flats to the tower block have been evacuated by the police.

 

The Fire in London, United Kingdom

Facebook Safety Check plus links for help,Shelter etc.

14 June 2017

https://www.facebook.com/safetycheck/london-united-kingdom-fire-jun14-2017/home/

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just watching this, it is truly horrendous , why is not sprinkler system in place in these awful multi storey places?

 

The place still has flames coming out of it now, first call to fire brigade was at five to one this morning, and now being told probably on the verge of collapse1

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Just hearing there are fatalities :(

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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It is still on fire and reports say the building was clad in plastic?, people reported trapped inside the building and there is concerns about the stability of the building

 

No fire alarms were heard and yet it recently under went a refurbishment , surely fire doors, and sprinklers, should be fitted and only one fire escape!

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Grenfell Action Group said its warnings about safety fell on "deaf ears". In its blog post dated from November 2016, the group warned "only a catastrophic event" would expose the issues residents had with the building - including its one entry and exit and concerns about evacuation procedures.

 

http://www.msn.com/en-gb/news/uknews/huge-fire-engulfs-west-london-tower-block/ar-BBCE7QF?li=AAmiR2Z&ocid=ientp

 

I understand that 50 + people have now been taken to 5 different hospitals. No information regarding fatalities at the moment, only that there are several.

 

I guess a lot of people would have been in bed at the time it started 12.45am. Apparently no main alarm, only where they were installed in the individual flats. Just one entrance and exit!

 

It is incidents such as this, although thankfully rare - which should tell Jeremy Hunt that closing hospitals, underfunding the NHS and lack of support for Medical staff, is not a good idea !!

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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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https://www.theguardian.com/uk-news/2017/jun/14/fire-safety-concerns-raised-by-grenfell-tower-residents-in-2012

 

Concerns raised about safety in 2012.

6 people confirmed to have died.

 

 

In 2013, a year before the renovations began, the residents’ association, Grenfell Action Group, published a 2012 fire risk assessment of the building, which found that fire extinguishers in the basement boiler room, lift motor room and ground floor electrical room were more than 12 months out of test date. Some had “condemned” written on them in large black writing and had not been tested since 2009.

 

“This seems to indicate that monthly occupier inspections are not being carried out,” a health and safety officer said at the time. Concerns about fire safety in the building were relayed to Kensington and Chelsea council.

 

 

A residents’ group also raised concern about the single emergency exit to the building in 2016, warning that if that exit were to become blocked in a fire, people would be trapped inside

 

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death toll now 12 :(

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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What a Tragedy.News still coming,i suppose many across the World are watching things unfold.

 

Just trying to get to grip with this Cladding-Surely 100% Fire Proof.

Otherwise it would be like being in a Fire Trap.Just read that some other properties have been updated this way as well.

 

Grenfell Tower, Notting Hill Scope of works:ACM rainscreen over-clad, replacement windows, curtain walling, louvres, feature metalwork Location: Notting Hill, London Client:

Royal Borough of Kensington & Chelsea Architect: Studio EValue: £2.6m

http://web.archive.org/web/20170614034527/http://www.harleyfacades.co.uk/page/grenfell-tower

Close Up-

http://web.archive.org/web/20170614090845/http://www.harleyfacades.co.uk/File/Grenfell%20Tower.pdf

 

Already some worrying articles are appearing about safety fears.

Theresa May's chief of staff 'sat on' report warning high-rise blocks like Grenfell Tower were vulnerable to fire

A coroner's report into a previous fire recommended a review of building regulations four years ago.

Successive ministers said they were "still looking at it."

http://www.mirror.co.uk/news/politics/theresa-mays-chief-staff-sat-10620357

 

On the Grenfell Tower Tragedy.

It’s emerged that the local Council – the Royal Borough of Kensington and Chelsea – actually threatened a local blogger and action group with legal action for calling to attention the state of the building.

http://bellacaledonia.org.uk/2017/06/14/on-the-grenfell-tower-tragedy/?utm_source=dlvr.it&utm_medium=facebook

 

Construction firm Rydon, which carried out a £8.6 million refurbishment of the exterior of Grenfell Tower last year, installing cladding and new windows, said its work "met all required building control, fire regulation, and health and safety standards".

 

The design of Grenfell Tower might have helped the deadly fire that ripped through it spread, according to experts.

 

The building was covered in cladding that spread the fire quickly up the entire 24-storey building, according to architects and firefighters.

 

"The cladding was clearly spreading the fire," said Mike Penning, a Conservative MP who worked as a firefighter and then fire minister.

"We need to find out what went on."

http://www.independent.co.uk/news/uk/home-news/grenfell-tower-cladding-fire-cause-improve-kensington-block-flats-appearance-blaze-24-storey-west-a7789951.html?cmpid=facebook-post

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https://en.wikipedia.org/wiki/Grenfell_Tower_fire

 

 

Crikey, they got this Wiki page up swiftly !

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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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From what i heard today, the flats had been renovated with cladding that was not fire retardant and then a decision was made to install gas pipes which went up the stairwell, providing a connection to each flat. There is suspicion that the gas installation was not sealed off properly to stop spread of fire, if say one flat was affected by fire.

 

If this is true then i could see claims against liability insurance running into many tens of millions.

We could do with some help from you.

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https://www.theguardian.com/uk-news/2017/jun/14/review-of-fire-safety-rules-pledged-by-minister-last-year-yet-to-be-published

 

 

And, apparently Theresa May's newly appointed Chief of Staff - (who was previously Housing minister before the election when he lost his seat) was supposed to have implemented a review into another Tower fire where 6 people lost their lives - the review appears not to have been released !

 

 

 

King said one recommendation from the all-party parliamentary group was fitting sprinklers to high rise buildings.

“Buildings like the one today over 30 metres, when they are new, would require fire suppression installed. But there are 4,000 older tower blocks in the UK that don’t have sprinklers,” he said.

“There are people who would argue that it’s too costly and there are other measures that could have been done but it’s a fact that people don’t die in sprinkler buildings.”

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“A disaster waiting to happen,” is how the architect and fire expert Sam Webb describes hundreds of tower blocks across the UK, after the fire at Grenfell Tower in Kensington that has left at least six people dead. “We are still wrapping post-war high-rise buildings in highly flammable materials and leaving them without sprinkler systems installed, then being surprised when they burn down.”

 

 

https://www.theguardian.com/uk-news/2017/jun/14/disaster-waiting-to-happen-fire-expert-slams-uk-tower-blocks

 

Webb surveyed hundreds of residential tower blocks across the country in the early 1990s and presented a damning report to the Home Office, which revealed that more than half of the buildings didn’t meet basic fire safety standards. He said: “We discovered a widespread breach of safety, but we were simply told nothing could be done because it would ‘make too many people homeless’.

 

“I really don’t think the building industry understands how fire behaves in buildings and how dangerous it can be. The government’s mania for deregulation means our current safety standards just aren’t good enough.”

 

 

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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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it had only one fire escape! the alarms either did not work or was not heard and the fire doors were not working :o

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Local people have really come together to help the people affected by all this, I think Brits can be proud of that. And there are funds collecting money to help the victims.

 

It's just horrendous that human error could have made this fire far worse than it needed to be.

Illegitimi non carborundum

 

 

 

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One of the residents gave a very informative interview this morning which I listened to on the BBC news. He was concerned at the, as I understand it, gas checking. He saw the type of blue flame connected to this type of installation. Why would the flats need gas installation? Surely the way forward is electric. No report i've seen yet regarding the introduction of gas so reasons for this catastrophe is yet to be discovered.

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Local people have really come together to help the people affected by all this, I think Brits can be proud of that. And there are funds collecting money to help the victims.

 

It's just horrendous that human error could have made this fire far worse than it needed to be.

 

It was very encouraging to see everyone rallying round, but equally sad that it takes a tragedy like this to bring people together.

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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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Apparently there might be around 100 deaths once the flats can all be entered. Many are not accessible at the moment and might not be for a few days.

 

LBC is worth listening to at the moment, as a lot of background information is coming out. There seems to have been alot of denial going on about fire risks and fire service capacity in the area to deal with major events like this. The company that managed the flats threatened people with legal actions, after they voiced concerns about the flat renovations and safety. The concerns were rejected, with responses to deny points made.

 

The UK has a housing crisis and too many people in our big cities are living in substandard homes. The cost of sorting it out, would run into tens of billions, but it will have to be done at some stage.

We could do with some help from you.

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The Guardian online has a lot of comment about the building, its renovation and how residents' fears were ignored. The management of the building aren't coming out of it well, or the contractors, but nobody is going to want to admit they could be in the wrong, are they?

Illegitimi non carborundum

 

 

 

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Looking around there is so much anger building.I will not put any links on for now but seeing how this Government has acted over the last few years makes me feel sick.

How many buildings with defects have been covered up with Cladding this way.I have seen it and I bet many of you have.

Never mind the concrete cancer that lurks in many buildings.

 

The Tower Blocks in my area 70s build or thereabouts were renovated then a few years later blown up.Housing replaced these blocks.

Clearly many are in danger across Great Britain.

Better calm down a touch I feel, many of us are hopping mad today to put it mildly.

So leave for now with Jeremy Corbyn showing how it should be done at a time like this.

 

UK Labour leader Jeremy Corbyn visits St Clements Church in London to meet people displaced from their homes after a fire destroyed Grenfell Tower.

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Johnson was warned from all sides. The Tories were warned from all sides. They now have the deaths and terrible injuries of innocent people on their hands.

And it seems they don’t care a toss.

 

Boris Johnson tells London Assembly's Andrew Dismore to "get stuffed"

 

 

Theresa May's chief of staff 'sat on' report warning high-rise blocks like Grenfell Tower were vulnerable to fire

A coroner's report into a previous fire recommended a review of building regulations four years ago.

Successive ministers said they were "still looking at it."

http://www.mirror.co.uk/news/politic...f-sat-10620357

 

On the Grenfell Tower Tragedy.

It’s emerged that the local Council – the Royal Borough of Kensington and Chelsea – actually threatened a local blogger and action group with legal action for calling to attention the state of the building.

http://bellacaledonia.org.uk/2017/06...edium=facebook

 

'It's corporate manslaughter': London MP calls for arrests saying hundreds may have died after warnings over dangerous cladding were ignored

 

Read more: http://www.dailymail.co.uk/news/article-4606432/Corporate-manslaughter-MP-s-fury-Grenfell-Tower-fire.html#ixzz4k4djmBJN

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