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    • Ok thanks for that, well spotted and all duly noted. Yes they did eventually submit those docs to me after a second letter advising them I was contacting the ICO to make a formal complaint for failing to comply with an earlier SAR that they brushed off as an "administrative error" or something. When I sent the letter telling them I was in contact with the information commissioner to lodge the complaint, the original PCN etc quickly followed along with their excuse!
    • its not about the migrants .. Barrister Helena Kennedy warns that the Conservatives will use their victory over Rwanda to dismantle the law that protects our human rights here in the UK.   Angela Rayner made fun of Rishi Sunak’s height in a fiery exchange at Prime Minister’s Questions, which prompted Joe Murphy to ask: just how low will Labour go? .. well .. not as low as sunak 
    • From #38 where you wrote the following, all in the 3rd person so we don't know which party is you. When you sy it was your family home, was that before or after? " A FH split to create 2 Leasehold adjoining houses (terrace) FH remains under original ownership and 1 Leasehold house sold on 100y+ lease. . Freeholder resides in the other Leasehold house. The property was originally resided in as one house by Freeholder"
    • 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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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Boris Johnson, former Prime Minister


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WWW.INDEPENDENT.CO.UK

Michael Gove pushed forward firm co-owned by Conservative donor

 

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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More Brexit fallout?

 

We’re writing to notify you of an upcoming change to Amazon.co.uk.

Starting 19 January, 2022, we will unfortunately no longer accept Visa credit cards issued in the UK, due to the high fees Visa charges for processing credit card transactions. You can still use debit cards (including Visa debit cards) and non-Visa credit cards like Mastercard, Amex, and Eurocard to make purchases. Please update your default payment method now, or add one of these new, eligible payment methods if you do not have one.

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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and back to TTIP/CPTPP

 

"peers also warn that joining CPTPP will make it !!! harder for the UK to set its own regulations !!! in the future, in contrast with government claims.

 

And they took evidence suggesting it could make it harder to "justify bans of certain products and measures based on the precautionary principle for agriculture and food standards".

 

"we received evidence of a potential conflict between Article 18.53 and the UK’s current system of market authorisation of generic and biosimilar drugs.

""We find that two CPTPP provisions on intellectual property are particularly problematic, raising the possibility of significant economic damage to the UK’s patent industry, and higher prices paid by the NHS for generic medicines and biosimilars."

 

They add: "While the Negotiating Objectives make clear that the Government will ensure that the terms of UK accession are consistent with the UK’s IP interests, and the price the NHS pays for medicines are not on the table, we have not yet been given an indication of how this could be achieved."

 

What price sovereignty and making our own laws? Not much it seems:

"the cross-party House of Lords International Agreement Committee found that there were "limited" economic benefits from joining CPTPP."

 

WWW.INDEPENDENT.CO.UK

Trans-pacific partnership (CPTPP) has limited economic benefits but ministers are desperate for a win

 

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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That seems to me to be one of the main things Brexiteers have been ignoring about trade. It's not just the EU that wants exporters to abide by their rules, other countries and trade pacts do as well. What's the point of setting your own rules or standards when you can't export by them?

 

Plus, the trade deals the UK has signed that haven't been copied and pasted from ones we had via the EU seem weighted against the UK and pretty favourable to the other countries.

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Illegitimi non carborundum

 

 

 

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I see sleazeball liar Johnson is still trying to water down any anti corruption moves - even below the existing rules that Paterson broke.

 

The only real option is to ban ALL second jobs for MP's - all of them and BAN any 'lobbying' perhaps except on the Parliamentary floor in front of the whole house and the public

 

I understand that a very small handful are doing real worthy work alongside their parliamentary and constituency duties, but that small handful is what the corrupt bas***ds are using as leverage to enable their corruption.

 

The only real option is that there should be NO second jobs for MPs

 

Limit hours? - They will just claim less hours at the same reward

Limit lobbying? - thats already supposed to be happening - it isnt working

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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Share on other sites

 

Quote of the day:

 

Going further than a (easily bypassed) ban on paid consultancy work could “deter a whole class of people” from entering politics.

Sir Geoffrey Clifton-Brown, treasurer of 1922 Committee

 

Like Paterson ... That would be the intent and a positive result IMO

 

Wonder if Paterson will still have his £100K fees from those companies now he isnt an MP progressing their interests?

- Mind you, he will still have a pass to Parliament enabling him to go see who he pleases wont he? - That must be stopped too.

 

 

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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Share on other sites

Only those who want/are being paid/whos interests will be served by going in and 'influencing' MP's for some reason HB

 

I should imagine most 'ordinary' ex MP's have little interest in doing so - and could apply for a (documented reason) day pass if the need arose

 

Basic security should require it if nothing else ...

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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Share on other sites

mind you, Paterson might feel the need to use the subsidised canteen in his 'reduced circumstances'

- they should treat him like the kids he voted to go hungry

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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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This gives more info on the issues and intent of Brexit if read carefully

Its all about proper documentation of the source and accreditation of stuff going in food

... aka made in Britain with Turkish or Australian high hormone and low welfare 'contains meat' ingredients

 

No1:

"the Commons International Trade Committee, heard suggestions that UK exporters might resort to two different production lines – to satisfy EU rules and laxer requirements for other markets." "The practice is followed by Australian farmers, to separate beef for EU export – which must be hormone-free – from sales to other countries without a ban."

 

So heres where UK Food industry starts making better stuff for export to the EU, but like Australia (and as required by the grate deal Truss has negotiated) - no such rules here - we'll be getting stuff from the reject lane

 

No2

"Exporters have already protested at huge new costs and barriers since the trade deal came into force last January, swiping £17bn from EU trade in just three months."

 

No3

"the Office for Budget Responsibility said GDP would fall by 4 per cent, taking £80bn out of the UK economy each year."

 

No4

"Ministers were also forced to concede that Brexit was a key cause behind the autumn food and fuel shortages – which have put Christmas deliveries at risk."

 

 

WWW.INDEPENDENT.CO.UK

New EU food safety regulation – coming into force next March – is ‘concerning’ exporters, MPs told

 

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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They don't make ministers like they used to.

 

I don't disagree with the point of the message but I don't think it's a good look for the health secretary to be replying like this on Twitter. He could have explained why it's a good thing to have a different booster to your previous vaccines.

 

Yesterday people on Twitter were quoting Nadine Dorries berating Laura Kuenssberg which also isn't a good look. I think the tweet may have been deleted because I can't find it atm. Also not a good look.

 

WWW.INDY100.COM

Sajid Javid has told a man to “show some respect for the NHS” after he questioned why his booster jab was from a different manufacturer from his...

 

Illegitimi non carborundum

 

 

 

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Shown Here HB

 

WWW.MIRROR.CO.UK

The Tory Culture Secretary, whose Cabinet brief includes the BBC, later deleted the tweet as critics accused her of trying to police the...

 

VOXPOLITICALONLINE.COM

How revealing that the Culture Secretary should try to censor the BBC Political Editor’s reporting of a Conservative Party meeting – and then...

 

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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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As following reports of (underestimated IMO given £17B hit to EU trade alone in just the first 3 months) Brexit £80B a year hit to UK GDP, Inflation hits a 10 year high really kicking Stagflation (Double whammy of Stagnation _ Inflation) into high gear

 

"Inflation in Britain rose to its highest level in nearly a decade in October after soaring energy prices hit household bills.

The Consumer Price Index rose 4.2 percent from a year earlier, the highest since November 2011, and up from 3.1 percent in September, the Office for National Statistics said on Wednesday."

 

Mortgages will be hit soon, with all the repossessions no doubt snapped up by the rich, and Johnson will no doubt twistedly claim that a reduced housing market is 'a benefit of his policies'

 

 

WWW.NYTIMES.COM

Prices rose 4.2 percent last month from a year earlier, more than double the Bank of England’s target.

 

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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1 hour ago, honeybee13 said:

They don't make ministers like they used to.

 

I don't disagree with the point of the message but I don't think it's a good look for the health secretary to be replying like this on Twitter. He could have explained why it's a good thing to have a different booster to your previous vaccines.

 

 

 

Too right, I'm looking forward to my pfiser booster (after 2 AZ) in 2 weeks time - really was a crap response from Javid,

Perhaps he didn't want to put a right wing supported of Johnson/Trump type corrupt populist governments down perhaps?

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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Oh - and re pfiser vs moderna?

I'd have either.

 

Any differences seem to be more in line with the different periods/amounts than actual effectiveness IMO

.. and either seems to be better as a booster or a main jab than O/AZ IMO

 

I'm a fan of the mix/match approach: Get whatever (approved) vaccine you can into arms as quickly as possible, then follow up at appropriate times with a different one if possible (despite the official '2 of the same recommendations)

 

I'm also (broadly) a fan of the less vaccine per dose  if it means into more people/more times over time approach

(moderna give larger doses I understand)

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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Share on other sites

It's been a bad couple of days for the Home Sec.

 

First France disputed the Home Office version of the meeting with Gerald Darmanin and now Albania has said it doesn't want to process immigrants despite the announcement to the contrary.

 

Haven't they already announced another country that said it had no intention of helping? I can't remember which now.

Illegitimi non carborundum

 

 

 

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See Governments latest rail plans are not what they promised North of England voters at the last election.

 

Not sure why Government were planning on spending such a huge amount on fast trains,.   How many people would pay much higher fares for a train that gets them to a destination say 20 minutes quicker ?  And with increase in working from home, there will be fewer users.  Part of the experience of a train journey is to relax, while looking out of the window or while reading a book.  So cutting journey times may not be as attractive to many railusers as Government believes.   Better to increase quality and availability of services.

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@honeybee13 

 

Brexit going well and keeping Brexiteers happy on migration :)

 

The numbers crossing the channel only appear to be restricted by the weather.

 

And UK Government are not being helped by being Independent, as other countries probably now say, it is up to the UK as an independent sovereign country to resolve their own problems !

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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

 

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

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2 hours ago, unclebulgaria67 said:

See Governments latest rail plans are not what they promised North of England voters at the last election.

 

Not sure why Government were planning on spending such a huge amount on fast trains,.   How many people would pay much higher fares for a train that gets them to a destination say 20 minutes quicker ?  And with increase in working from home, there will be fewer users.  Part of the experience of a train journey is to relax, while looking out of the window or while reading a book.  So cutting journey times may not be as attractive to many railusers as Government believes.   Better to increase quality and availability of services.

 

Surely it was all just intended to enable, excuse and confuse issues with the fast rail link into London - and why immense sums were spent on that part. I dont believe there was ever any real intent for the rest other than some nominal expenditure to side/upgrade existing kit to some Tory pal companies benefit

 

.. doing some nondescript assessments, at at vast cost, which could say anything as it would never be put to the test

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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Andrew Marr to leave BBC 'to get his own voice back'

 

WWW.THEGUARDIAN.COM

Presenter says he is ‘keen to get my own voice back’ and will focus on writing and presenting for Global

 

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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