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    • OK,  I have not claimed anyone told us to pay in this forum. As grown up adults we made this decision. I am sharing our experience in case it benefits anyone.  Our approach to this is if Lidl didn't help at the end we would take our shopping elsewhere and the so called reduced charge of £45 paid would be the end of the story, even if is unfair.    As I mentioned Lidl cust. service already emailed us to confirm that they have contacted Athena to cancel the charge, I'll first follow up with Lidl. If not resolved will resort to chargeback.  
    • no one ever said PAY THEM, you never ever do that.   if you paid by debit card go get it back by a chargeback to your issuing bank.      
    • Hi All,   My partner received a response from Lidl after another 3 days in which they explain the reason for their car parking system etc. but to summarize they conclude to cancel the parking charge with the below paragraph;   "In light of your comments, on this occasion only, I have requested that the parking charge is cancelled. Athena will confirm the cancellation in writing in due course."   As the £45 was going up to £90 the day before the email above actually reached us,  we actually sent the payment of £45 to Athena to remove the risk of that, but with the above conclusion we will follow up to get a refund.    Meanwhile we did our first big shopping with the car from Aldi in the local area instead of Lidl for the first time in 2+ years. As Aldi shares the car park with Matalan store in our area their car park period is 3hrs free of charge, which removes the stress of timing your shopping.   I think the supermarkets are shooting themselves in the foot with these types of measures when they use 90mins or such short periods as a time limit.   I'll post an update how the refund chase goes and how long it takes.    Thanks.
    • and apparently have sweet FA of the systems ready to implement the Kent border, ... which is needed because they haven't got the systems in place to manage the UK-EU border or UK-Ireland border they have striven so hard for and had sold so enthusiastically ..
    • It will be court / legal threats then, but that's out of my experience there. Good luck with the claim and let us know how it went.
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 6 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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Just wondering what the situation would be if a few siblings inherit family home (in future) but one of the siblings is living with the threat of bankruptcy?

Would the off. receiver force the family home to be sold?

The worried sibling's % share would not cover all their debt - but it would clear some.

Or is it more likely the off receiver puts a charging order on the property so that if future sold, the worried sibling (bad debtor) would automatically lose their % share of the sale proceeds?  Can they put a charging order on part values?

 

Is it better to preempt any awkward situation by discussing protective measures with parents now? 

Worrying situation...

 

 

Edited by HP Mum
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  • 2 weeks later...

I bought a lottery ticket today but no-one  can register a debt against camelot on the off chance i might win the jackpot.

 

the property doesnt belong to the debtor and if they go bankrupt any future earnings, inheritance/lottery win cant be considered when making that order, only what is true at the time.

 

the receiver cant place a charging order on the property even if the person had died and the executors hadnt done their work yet. It isnt yours

 so assuming bankruptcy on a date to be determine din the future and you then inherit a windfall. that wil be paid out in cash and you will have to inform the receiver, not the executoer of someone else's estate. They do the wishes of the deceased and i doubt if the will says they your share should be paid to the OR.

You may wish to discuss this with your parents and theh they may cut you out of their will to save you the bother and to make sure your siblings get the money, not some money grabbing corporation. Obviously if they live longer than your bankruptcy you will get nothing but not be subject to any constraints of any order so will feel hard done as your siblings have an extra holiday on your share

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  • 2 weeks later...

The bankruptcy process generally lasts one year from the date of the bankruptcy order until discharge. If the sibling inherits a share of the family home within that year, the inheritance will be considered an asset which is vested in the trustee. It is possible that a sale of the property will eventually be forced in order to release the sibling's equity whether or not that equity is enough to settle all debts owed. The other siblings or someone else could 'buy out' the trustee in order to keep the property, but the bankrupt sibling would no longer have any beneficial interest.

 

If the inheritance is received before the banktuptcy is made, it is an asset so may be subject to similar proceedings in a subsequent bankruptcy. If the inheritance is received after the date of discharge, it is no longer subject to banktupcy proceedings so the sibling would keep it all.

 

Where a charging order is placed on a property, if the siblings are joint tenants, the deed will change to tenants in common. Each tenant in commons' beneficial interest will be established at that point. For example with three siblings they may have a beneficial interest of a third each. It's also possible they are already tenants in common so beneficial interest is already established.

 

It is only the beneficial interest of the debtor which is subject to bankruptcy proceedings or a charging order. The beneficial interest of the other siblings is protected as they have no liability for the debt.

 

The parents could disinherit the sibling to protect the equity. Also, it is the date of death which is relevant so even where a beneficiary has not yet received any inheritance, it is deemed that the beneficiary holds the assets at the time of death, and not the date of actual inheritance once probate is finalised.

 

Edited by Will Goodfellow
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