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    • Thanks for that. I will give them till Tuesday. Thanks for your help, very much appreciated. 
    • 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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Kindertons have scammed me out of my car!!!!!!


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Hi there, thank you for letting me join this group.

I have not known which way to turn.

I was parked at a service station engine off having a rest. The third party hit my car, caused damage to my vehicle and admitted liability.

They dropped off a hire car, then took my car for assessment.

After many months they offered me a £5800 to write it off or £4200 to repair it.

I told them I would take the payment to put towards a new car.

I received a cheque for £980, then heard nothing. No cheque. I kept calling them and chasing up.

They then 7 months after the crash I got told that the third parties engineer report indicated that she hadn’t caused the damage to my car!! so I was now supposed to go through my own insurance.

When I asked someone where my car was, they had no answer I kept chasing them and telling them this isn’t right, my daughter was in the car and took a picture.

We had to call the police on the lady who had hit my car because she hit and run. we have police reports of this and Kindertons know this.

I have rung them lots of times and I no longer trust them as they keep putting words into my mouth. They told me that I refused to go through my insurance. When I didn’t.

I told them I had no insurance on that car anymore as I had been forced to buy a new car without the money from them, they have taken my car away which was worth a lot more than the £980.

I looked my car registration up online and it looks like they have got it up for sale as they have MOT it I still have the V5 and I want my car back!!

I have a complaint going through with them and I don’t trust them one bit.

I need all the help I can get as I will really want to take them to the cleaners I think people need to stand together and do something about this company, it is wrong.

I am totally out of pocket due to this company and is about time something was done about them.

Please can they help me with some advice. Many thanks for letting me share my story, and for all your help just event makes me feel that little bit better.
 

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Hi.

Welcome to CAG.

I've edited the formatting of your post. Blocks of text are difficult to read, especially on mobile.

Who were the insurance company you were with when the incident occurred? 

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We could do with some help from you.

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You are going to have to start gathering information.

What correspondence do you have?
Presumably you completed the claim form and you kept copy of it.
I site team colleague asked you 22 hours ago who the insurer is that we don't have a reply yet.
We like a reply to that and you should send them a subject access request.
You should also send a subject access request to kinderton.

Do you have any details of the third party?

That lot for starters

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