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    • Pandemic will just accelerate the change that was already happening.   High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge.   Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.   As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers  use to work close to will lose sales.   Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus.  Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.   Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.
    • This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.   https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html
    • Small attachment to an iPhone that cost £288.00.   I know anything that relates to Apple can be very expensive, but what was the attachment ?   Did you return the attachment product in its original packaging ?   How often do you buy products from Amazon ?   How often do you return products to Amazon ?   Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?
    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
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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.

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

 

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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

 

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

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You click the writing surrounding it :classic_wink:

 

Have we helped you ...?      


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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