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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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Needhams Windows, Loughborough, Porch not delivered ordered september!!


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Hi,

I hope I've put this in the correct forum. I'd appreciate some advice before I decide what action to take next.

At the beginning of September, I ordered a new front porch from a local but reasonably large company.

Their salesman came to my house to take rough measurements and advised a lead time of 6-8 weeks, which was acceptable to me. A few days later a surveyor came and took exact measurements.

On 27th October, 7 weeks later I received a phone call from the salesman asking if they could make a small change to the specification. I was happy to do so and sent a confirming email as requested. I was then told that the doors for the porch would be going to be manufactured on 31st October.

On 21st November I emailed the company asking for an update and followed up with a further email on 28th November as I hadn't heard anything. I sent another email to a different email address in case the first address wasn't being monitored.

This email was replied to by way of a phone call during which it transpired that nothing had actually been done to manufacture the porch. I sent a further email that day expressing my disgust and anger that after 12 weeks my order was no further forward and would certainly not be installed before Christmas. I also mentioned that I was thinking of cancelling the order as I had received a similar quote from another company. Their T&C's state that if I cancelled the order I would be liable for any costs incurred.

I then received another phone call from someone claiming to be the general manager of the company. He acknowledged that my order had been mishandled from the start and that he was taking personal charge. He told me that the company they normally used to produce UPVC arches, which I needed, had ceased trading in October and they had had to find another company to produce this arch. I was also told that they couldn't manufacture the doors and frames until they had the arch in their possession. why was I told on 27th October that the doors would be manufactured on 31st October?

I was then told that they had been promised the arch would be delivered to them on 11th December, they would immediately start to produce the doors and frames and we mutually agreed they would fit the porch on 21st December.

Well, I received another phone call today telling me that the company producing the arch were having difficulty in fitting it into the machine used to bend the UPVC, and that they had now been given a delivery date of 18th December. I was reminded that I had been informed during the phone call on the 30th November that this was a complex job, I replied that that was not my problem and that the salesman who took the initial measurements, and the surveyor who came and took precise measurements should have realised this and given me an appropriate lead time, and this was the first time I had been told the order was complex.

 I have asked the company to tell me what, if any cost I would be liable for if I cancelled the order taking into account it is now 17 weeks since placing the order and, by their own admission very little if any work has been done. I did mention that if I did cancel and they tried to charge me anything, I would consider taking the case to a small claims court. They said they would phone me on Monday with a decision.

Looking at the above saga I would appreciate your advice on what you feel my chances of winning would be if I did go to a small claims court before I do anything drastic.

Thank you.

 

 

 

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you'd win hands down.

have you actually parted with any money yet?

and please name names..

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Have you got written evidence of the promised delivery times?

And of the delays?

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  • BankFodder changed the title to Needhams Windows, Loughborough, Porch not delivered
  • dx100uk changed the title to Needhams Windows, Loughborough, Porch not delivered ordered september!!

no money involved..just walk away IMHO.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You haven't told us the value of this porch

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And have you told us how much they say the cancellation charge is?

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I don't know yet. they said they would let me know on Monday.

I don't want to threaten to take them to court if I don't stand a fair chance of winning.

Their contract states I would be liable for any charges incurred by them to date, but I feel that after all this time there shouldn't be any charge.

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then dont... you dont have to threaten anything.

just walk away.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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As my site team colleague above said, you can walk away. However you should protect yourself.

Clearly this is been going on for a long period of time – far longer than was ever imagined or agreed.

I think you have to take steps to bring it to the end.

Where there have been protracted delays in the contract then if you want you can communicate with the supplier and tell them that "time is of the essence", it has gone too long and if they don't complete their side of the bargain by XXX date, that you will consider that the contract is terminated.

I think you can give them seven days. It's a shame that you haven't gathered evidence and you are only relying on phone calls et cetera.

I think you need to write them a letter.

Set out a detailed bullet pointed chronology of the steps that have occurred – the promises, the broken promises blah blah blah. Minimum narrative. Keep in a list format.

At the end you point out that it has now gone on considerably longer than anybody expected and that you are bringing to an end and that time is now of the essence and unless they can complete and install the porch within seven days then you will consider they have repudiated the contract and you are accepting that breach of contract as a termination.

Post a draft of the letter here.

I think we had better move quickly. Do it now

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And incidentally, you won't be taking them to court. They will be taking you to court if they want to. However they will have to deal with the list of delays which you are going to present them with and explain why it was reasonable for you to keep on waiting.
If they want to charge any cancellation fees then they are going to have to justify them.
You refer to some terms and conditions – maybe even tell us what they are.

I have to say that you've been here since 2011 – presumably you read our customer service guide and you know that you should be always recording your calls.
You know that you should keep a paper trail and most importantly you know that you should come here earlier.
 

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Point taken about recording calls and paper trails. Unfortunately I don't know how to record calls now as successive android updates have stopped the ability to record calls.

As far as coming here earlier, I was satisfied that they were going to install on 21st December .and it was only this afternoon that they phoned me with the further delay and that I said about cancellation of the order. Until then I had no reason to come here.

My biggest regret is that I didn't get the original lead time in writing. I have taken a photo of their T&C's, does it have to be in any particular format to send it?

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If you want to cancel the order then draft the letter that I suggested

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You have produced some kind of scan summary of terms and conditions but isn't readable.

Please could you post up scanned documents in the kind of legible condition that you would appreciate seeing if you were helping someone else free of charge

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Still waiting for the terms and conditions in a readable state please.

Try reading what you have posted up on a telephone screen if you don't believe me.

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Apologies, I've been at work since early this morning.

I tried to crop the whole page of terms and conditions so only those relevant to cancellation appeared as your site would not accept the whole page.

Is there an email address I can send it to as I really don't know how to reduce the size to an acceptable level for this site?

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I regularly use this free site for work  https://www.sejda.com/compress-pdf

Should work a treat.

We could do with some help from you.

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