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    • 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 
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Tracking postal orders


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If you have the number of an arbitrary postal order, can anyone quote the number to Royal Mail to see if it's been cashed? Or is this privilege limited to the person requesting it (with the receipt) or the person to whom it has been sent?

 

I'm not trying to track an order myself, but am curious.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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I've been able to check encashment at the issuing PO by showing them the receipt (There are no counterfoils anymore). I was told it hasn't been casged, and was offered a form to cliam a refund. I don;t know if this can be done online, as I've seen no reference to it.

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... and what if you don't have the receipt? What if you just happen to have the number? Can a third party with the PO number (e.g. it's gone missing in the post and they have the number) check up on it?

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Guest ian cognito

Don't see why they would benefit from checking when they have the postal order anyway? You can issue crossed postal orders in the same way you do cheques so they have to be paid into the bank account of the recipient, if you're going to send one, this would be the way to do it.

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Don't see why they would benefit from checking when they have the postal order anyway?

 

There are many ways in which someone might have the number of a PO without having the PO itself.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Guest ian cognito

Still can't see the benefit, without the PO is the number not worthless?, I suppose you could cancel it with the number or you could check whether it had been cashed but I still don't see how you would benefit from either action? There is a warning on the post office site:

 

WARNING: Please note that there are currently some Postal Orders scams being perpetrated - particularly on online auction sites. Please note that under no circumstances would Royal Mail or the Post Office™ issue an email notification of receipt of a Postal Order to a potential recipient. Should you receive such a notification, please report it to the police.

 

I suppose this could be used to get a number out of you and then be used to report it lost?

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There are many uses for the information. You can prove if money was or was not received. Trivial example - someone sends me a PO through the post, gives me the number via another method. Said person then goes on holiday for 2 weeks. If I had the number of their PO, without any evidence that they had sent it, or that I was the recipient, could I walk into a Post Office and find out if it has been cashed (e.g. intercepted, delivered to the wrong place)? This is not the actual situation, btw.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Guest ian cognito

OK did the simple thing and rang the PO, you can check with just the number but you need to do so in writing, either by filling in a claim form for lost mail or writing to the lost mail department, you do not need a recepit to do this but I am guessing you would need to know where the PO was bought or where it had been sent, if it had gone through the post.

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  • 2 months later...

:p

Hello all, I emailed Royal Mail, and this is the reply they sent. (may be of some use)

 

"To trace if a Postal Order has been cashed you would need to complete a

P58 form available from any Post Office® branch. When you’ve completed the

form hand this in at the Post Office® and this will be forwarded to Royal

Mail to investigate.

 

Alternatively you can send the P58 form and the receipt for the postal

orders to:

Postal Order Group

PO Box 168

Chesterfield

S49 1ZL

 

It is recommended that you keep a copy of the receipt for your own records."

 

 

:)

Smile **WON** £1903.00 :lol:

Data Protection Act sent 24/01/07, Prelim sent 6/02/07, LBA sent 22/02/07

Smile (again!) Prelim sent 22/03/07

 

Abbey (Claiming £2315.00)

Data Protection Act sent 29/01/07, Prelim sent 6/02/07, LBA sent 22/02/07

GOGW £185.00 received 19/03/07

Handed Court N1 19/06/07

Deadline up 17/07/07

 

SmileVISA

Data Protection Act sent 23/02/07

 

Studio Cards ** WON ** (Claiming £613.19)

Data Protection Act sent 26/02/07, Prelim sent 14/03/07

GOGW £261.70 received 24/03/07

Sending LBA 26/03/07

Offer accepted!

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