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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!! 
    • 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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The sub-postmasters scandal


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I dont doubt any of that entry at all

Simple confirms (to me) that every single prosecution by the PO or any other which relied in large part on evidence from the Horizon system should be overturned and partial but significant redress made immediately while real compensation is calculated.

There is ample evidence that neither the claims regarding the Horizon systems detail on SPM 'balances' or the POs prosecuting/investigating teams warrant any merit whatsoever in a court of law. In fact they should be in the dock themselves.

That the PO are pressing, at enormous expense to the UK taxpayer as well as innocent victims,  legal arguments apparently without merit should result in the legal teams progressing these malicious and meritless actions should not only be not paid, but fines and quite possibly disbarred rather than further grief for the victims.

There may well be a few genuine criminals among the thousand (possibly thousands) victims - but that is a tiny price to pay to prevent further horrendous grief loaded upon victims

.. and if the PO is so sure of the conviction, and the evidence happens to be some thing they aren't claiming they have shredded, they can present their evidence to the normal prosecution services.

The more I look at the detail, the more I think the tables need completely turning around.

and why has vennels still not been stripped of her honor? let alone been arrested.

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Yep was just reading that.

interesting that bates paid for forensic accountants to refute the POs claims, and the po has spent vast sums of taxpayer money defending their lies, and will continue to spend vast sums on delaying paying out

key point: External forensic accountants can see it despite information withheld by the PO - but the PO .... even shut down their own forensic accountants who did

"“Bearing in mind my solicitors engaged forensic accountants to prepare my claim in accordance with established legal principles, it now seems we have to spend hours and hours over weeks and months with government-appointed lawyers at who knows what cost, just to point out these legal principles to them. But to them it might just be a good earner.”"

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The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Hows the formal process to strip Vennells of the tattered remnants of her 'formal honor going ? - besides nowhere?

Her 'handing it back' means nowt and really doesn't cut it.

 

and crony moany has surely breached the 'bring the lords into disrepute' marker - whatever else may or may not happen?

Edited by tobyjugg2

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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based on what has already happened ..

Lying to the press. people et al

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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This scandal is shocking and still continues.

Alan Bates has criticised speed of Post Office payouts days before offer:

WWW.BBC.CO.UK

Post Office campaigner Alan Bates had told a minister the scheme needed a "boot up the backside".

 

Due to this Scandal it is affecting those present sub post maters who can't get the staff they need as they are scared of due to this scandal:

WWW.BBC.CO.UK

People are scared off by "horror stories" of wrongly-accused sub-postmasters, the post office says.

 

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Should have thought that there would be no end of criminals offering to work for sub-postmasters, as they can steal whatever they like and the PO will just rain hellfire and damnation down on the SPM without investigating and ignoring anything the SPM says..

 

Whens vennells and at least 4others in court? - detailing whos orders they will leak they were following

- probably not until a change in guv enables the ex-ministerial involvement to come to light

and whens crony moany and Gove in court? (mind you Gove is careful to appear hands-off in these sort of matters)

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Latest horrendous takeaways despite the lawyers the PO is spending millions of taxpayer £££s on

 

"When bugs were acknowledged witness statements from Fujitsu staff due to be heard in court were edited by the Post Office as it sought to maintain the line that the system was working well."

.. Sounds like perverting the course of justice to me

 

"The Post Office has admitted to failing to properly disclose thousands of relevant documents and thousands of emails but its (PO)  lawyers informed the inquiry that it was no longer realistic to ask them to work evenings and weekends on searching for relevant evidence."

Fine - PO + staff guilty - SPMs innocent until PO actually do PROVE otherwise

 

"Grant (Raymond Grant, a Post Office investigator) was legally forced to give testimony at the public inquiry into the Horizon IT scandal. He provided the barest bones of a witness statement, at just over two pages, criticising the inquiry for not giving him enough time to do more because it clashed with his Christmas plans.

"Grant said he (only) glanced at 78 documents the inquiry asked him to review as he was too busy at his job at the Salvation Army organising activities such as carol singing, making Christmas dinners and walking his dog."

"Frederick Thorpe, a former Post Office investigator involved in the criminal investigation of Alan McLaughlin and Maureen McKelvey, had to be reminded by the counsel at the inquiry that both subpostmasters were innocent."

...

 

"It also emerged that data from the Horizon IT system, which was responsible for the wrongful prosecution of more than 900 Post Office operators, is still used in ongoing legal cases."

.. sounds like they should be dismissed unless there is real reason beyond horizon evidence to think otherwise - and a proper audit has been demonstrably done

https://www.theguardian.com/uk-news/2024/feb/02/post-office-scandal-key-takeaways-latest-court-hearings

 

 

Edited by tobyjugg2
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The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Whole thing is criminal TJ so much there that should drag Ministers like Davey and PO execs like Vennells to jail

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I only got around to watching the ITV series the other day and it just made me feel very angry.

And the anger was aimed at those within the Post Office who must have been aware of the problems with Horizon, but simply choose to ignore and accuse the sub-postmasters of either poor accounting or criminality.   

I do question what relationships former Government ministers had with Fujitsu. Did they enter into too many contracts with one supplier and therefore found it very difficult to handle any technical issues that might have been raised at the time.  Fujitsu also supplied Government with payment/HR/payroll systems, which are still being used to this day.   I wonder if too many Government eggs were put in one basket and therefore this placed ministers in a position they could not handle.  If the systems were later found to be operating poorly, it would be a very difficult and expensive process to change to a different supplier. 

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1 hour ago, brassnecked said:

Whole thing is criminal TJ so much there that should drag Ministers like Davey and PO execs like Vennells to jail

 

Davey? I see no reason whatsoever for him or Starmer .... but Jo Swinson - yes

Vennells -  I'm no barrister but seem to have already seen more than enough evidence to arrest her  - and refuse her lawyers paid for by the taxpayer/PO

Should be medieval/GOT on that monster. She should be in Belmarsh at the least - quite possibly the worst inhuman torturer of innocent people in recent British criminal history.

I'm sure she will burn if what she claims to believe is true. - although I dont doubt for a moment those beliefs are as fake and self-serving as the rest of her.

 

 

Question @brassnecked

Why are you pointing the finger @ davey with no evidence apparent whatsoever that he did anything knowingly wrong (or anything other than a hindsight judgement call on a decision he made when at the time it seemed to be a right one) rather than every minister and senior civil servant with PO responsibility since 2015?

- who IMO should be first ports of call along with the EVERY member of the PO board

 

and a lack of  'update

Note all the actually Vennells queries seem to be sat on

 

Edited by tobyjugg2

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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well, more and more implications of government involvement in the scandal via their 'board member'(s?) for example cooper - who can hardly say he knew nothing about teh scandal - being as he inappropriately OK'd a bonus that stated they had helped the inquirey finish 'in line with expectations' eh?

real rats nest that

Just look for the blacked out 'attendees at the meetings

 

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The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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if you read this carefully, and look just a little deeper into whats said, you can see what the guv and its interface to the PO were probably doing all this time since 2010/2011 or before

- make the PO at least 'seem profitable to mutualise or sell it - at all costs whatever real problems there were

 

WWW.THEGUARDIAN.COM

Minister met union officials and representatives from co-operative movement to discuss mutualisation

 

 

 

Edited by tobyjugg2
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The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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WWW.THEGUARDIAN.COM

Exclusive: FoI request shows minister was warned by civil servants of ‘risk’ but focused instead on tech firm’s investment in UK

 

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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Project Sparrow. Nick Wallis was sent heavily redacted minutes (60%) but the BBC got hold of unredacted ones. There's some damning stuff in this about cover ups and highly inaccurate briefings.

WWW.BBC.COM

BBC obtains unredacted minutes showing government knew of plan to sack experts who found Horizon IT bugs.

Link to Nick's blog.

https://www.postofficescandal.uk/post/the-unredacted-project-sparrow-board-minutes/

 

Illegitimi non carborundum

 

 

 

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Then there's this.

Horizon data was archived to a cheaper database by Fujitsu, from a government one that kept details of who accessed accounts and who changed details on the database. The information would probably have helped SPMs to prove their innocence.

WWW.THEGUARDIAN.COM

Exclusive: Whistleblowers say Paula Vennells agreed to move archive, which risked destroying data that could clear operators

 

Illegitimi non carborundum

 

 

 

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yep was reading that HB

Coincidence that data security was known to be compromised?

It was already known it was it seems?

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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