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    • I'm afraid this is completely out of my experience but I seem to recollect that a publican has a right to bar whosoever they please from their pub and I suppose that the only grounds for challenging that might be that the ban had been applied in a discriminatory way. On the basis of what you say here, none of it seems to have been discriminatory – and even the rather unkind refusal to let you go to the loo – does not appear to have been motivated by any intent to discriminate – simply to prevent somebody who was banned from entering the premises. It wouldn't surprise me if they were entitled to do so. The fact that the public and then allow you to use the loo seems to me – not to have been prompted by kindness – but rather to avoid scandal. If you have bought a small claim then as long as you litigate reasonably, the small claims rules relating to costs apply and it is unlikely that a judge would be moved to apply discretion to waive those rules. Maybe it would be a good idea if you put up the claim form here in PDF format – and also a defence. I would also be interested to see a PDF copy of the solicitor's letter – which on the basis of what you say may well be abusive and that they are threatening you with costs when they know full well that in the usual run of things, costs would not apply in the circumstances. However, you say that you have sued him in the Small Claims Court – but has actually been allocated to the small claims track? What precisely have you relied upon as your cause of action – and does that cause action fall within the small claims rules? Also, how much have you claimed for – and in compensation for what kind of damage? You would most normally have to demonstrate some actual incalculable loss – calculable in money terms – in order to bring an action.
    • Success! I couldn't find any evidence of any parking restrictions so emailed Starbucks direct.   In the email mentioned details as recommended above.   They then sent the query onto EuroGarages who run the site. They got in contact with me and asked to send a copy of the notice. They have just confirmed:   All our sites are operated with a parking system which helps control issues such as people leaving vehicles for prolonged times or camping out in the car park. Unfortunately, this ends up affecting genuine paying customers like yourself which is why we have a system in place in each store.   For future visits, if you are going to stay over the time limit which is displayed in the car park, just let our staff on site know and they can note your car registration down. This way you avoid any parking fines.   I have appealed the fine on your behalf and managed to successfully get it cancelled. If there is anything else I can help with please let me know.     So thank you for everyone's help with this, much appreciated. 
    • Did you make this contract at the car showroom or have you done it remotely simply by text in relation to an advertisement?  
    • Don't you mean that without an elected Labour Party (the one I voted for and paid into over decades, that same one that you did NOT vote for or support) there would be no NHS   and looking forward at an ineffective, MP deselecting, head in sand,  unelectable Corbynite labour, we can see Johnson in power for years to come ..
    • The hearing is tomorrow, I didn’t get chance to post anything off to the solicitors or the court can I just turn up with the correct paperwork and a letter from my CPN nurse explaining my circumstances ? 
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vegetablelasagne

Joint Borrower advice please

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Hi,

 

I wonder if anyone could help with the two following questions. Like many people I'm racking my brains to get out of the rental trap having just been given notice again.

I've been looking into JBSP schemes (Joint Borrower Sole Proprietor). I have a small deposit.

I have two questions:

1. Does a joint borrower have to live in the UK? I'm guessing this will be a yes - but I thought I'd ask as my ex - who pays maintenance to us, lives in Holland and we thought as he's paying that, he might as well chip in on a mortgage instead.

2. If Joint Borrowers do have to live in the UK - how quickly can I buy them out after buying? I have a friend who is willing to be a joint borrower (but wouldn't live at the property), but she doesn't want to be on the deeds for long.

Thanks.
 

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We could do with some help from you.

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Thanks @Andyorch - do you know if their credit rating would be effected?

I don't understand why everyone isn't doing this - there must be a catch?

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Have a read of the links above...I haven't looked at the finer details...but im sure your answer will be there.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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Thanks - just doing that now - but my friend's name would appear on the mortgage (I think that's what I meant) - I was wondering how quickly I could get her taken off the mortgage?

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For a JBSP mortgage, most lenders will need to be satisfied that you, the buyer, will eventually be able to make all of the repayments yourself, meaning that an important part of the assessment process is demonstrating that your income is likely to grow steadily over time. In fact, about half of all applications for JBSP are turned down because the buyer has not been able to demonstrate this likelihood of income growth. 

I NO LONGER NEED THE HELP OF MY FAMILY: WHAT NOW?

Once you've got to a position where you are financially secure and can definitely make the repayments on your own for the foreseeable future, you can remortgage to release your family members from the legal responsibility for your mortgage. You'll be able to do this either with the same provider or a different one. Do bear in mind that the remortgaging application where you are going to be both the owner and the mortgage holder will now only take your finances and spending into account. 

 

https://www.realhomes.com/advice/joint-borrower-sole-proprietor-mortgages-could-one-help-you-own-a-home


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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You click the writing surrounding it :classic_wink:

 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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