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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!! -
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By lookinforinfo · Posted
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 -
I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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PRA Claimform - old MBNA Credit card debt ***Claim Dismissed no DN***
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