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Delay Virgin Media TV & Broadband start date

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Hi all,

There is a pretty good offer on with Virgin Media that ends in a day or two, however, I won't be ready to take the service/start paying for another few weeks.

This is just quick one to ask whether you can delay the start up of a Virgin Media package, if I signed up to the deal online now?

Thanks :beer:

Advice on marital separation and mortgages

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Can anyone give advice on mortgage options my daughter is going through a very unpleasant marriage break up and looks set to lose her home as she cant afford a mortgage on her current salary does anyone know of any mortgage products that we could try to help her with ie guarantor mortgage - she can afford the payments but as she is self employed does not have the required books yet - do mortgage companies try to assist these days by paying interest only for example especially if small children are involved any advice would be greatly appreciated

Tips for planning permission appeal

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Hi,

I recently put up a Ketter plastic shed in my front garden, and a week later thought "do I need planning permission for this?" It turns out you DO if it's in front of the primary elevation (front wall of the house) otherwise it's permitted development. So I put in retrospective planning permission and the council turned it down because it's "made of unsympathetic materials" and "breaks up the street scene." I spoke to them and offered a couple of compromises (raising the fence or covering it with wood) but they wouldn't budge, so it's on to the appeals process which goes to the secretary of state.

Two crazy things about this

1.) There are a number of sheds in front of the primary elevation on our estate, so if I'd just kept my mouth shut and not asked for planning permission I'd have gotten away with it
2.) The way the primary elevation is angled (corner plot) the places where it's allowed under permitted development are worse than where it is now:

It could go in the rear corner of the double driveway flush with the neighbours hedge, but this isn't hidden by a 6ft hedge so would break up the street scene even more!

It could go in the tip of the rear garden (corner plot so it's a triangle shape) but this would block out my neighbours light

It even says in the councils own guidance "Outbuildings should normally not be in front of dwellings unless, within the development, there is an irregular arrangement of buildings" so I think this should be enough for them to consider the current placement.

I've been through the guidance the council referenced in their refusal and written up a response, but was just wondering if anyone had any general advice on appealing a planning decision?

Thanks,

Dan

E: 18/08 Win an Acer Predator X34 Gaming Monitor (Gleam)

E: 26/07 Daily Express Win £500 (phone/text/post)

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Daily Express Big Monday crossword

Answer: MENAGERIE

Call 0904 161 1601 (calls cost £1.50 plus your telephone company's network access charge)

or

text BIGXWORD followed by a space, your answer, name and address details to 84915 (Texts cost £1.50 plus standard network rate)


or


fill in the crossword grid on page 32 of the Daily Express from Monday 22nd July

Tesla increase price of order - rights?

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Hi,

A bit of a strange one, and want to check if they're allowed to do this.

I have ordered a Model 3, and agreed a price based on my configuration all online, and paid a reservation fee.

Since then, they have altered the price of the various configuration options, to the point now that my order has increased in cost.

In my opinion, I agreed a price and paid a reservation fee. But I don't know if the order is legally binding or not, since I haven't taken formal delivery.

Just interested to know whether I'm protected by any consumer rights on this, as it seems unclear.

Santander Mortgage Process - Timescales

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Hi All,

We submitted our mortgage application with Santander on 18/07 via MA. We have just had a request for documents today, proof of names on our bank statements and questioning my partners' employer's name. Does this mean that we will now be put to the back of the queue, or will they pick this up straight away? Thanks

E: 27/07 Sunday Express Win £50 (£1.60+ phone)

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Sunday Express Magazine - Crossword Mystery Word Bonus

Answer: HENMAN

Call 0907 181 2738 with your answer, name and address.

Calls cost 80p per minute plus your telephone company's network access charge and last no longer than two minutes.

Natwest Savings

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From 16th October 2019 you will need to have a current account with Natwest to move your savings.

I received this email from them today as I have savings accounts with a nil balance.

If you want to keep your accounts open

If you'd rather keep your accounts open, you'll need to have money (£1 or more) in your account on 16th October 2019. You'll also need to be aware of some changes we're making on 16th October 2019.

If you choose to start saving with us again, we want to help by making a clearer difference between our savings and current accounts. So we're going to change your Instant Saver accounts, meaning they'll be just for saving.

How to make payments and withdrawals

When your card expires (or if you don't have one), you can make a withdrawal directly from your savings account at any NatWest branch. Don't forget to take some identification with you. You can find details of other forms of identification (such as a passport or driving licence) here.

Alternatively, if you want to continue to make payments, you could open a NatWest current account. You can then transfer money from your savings account into it and make payments and withdrawals from there.

You'll no longer be able to make any payments (like paying a bill) or transfer money directly from your savings account to another account, unless it's to a NatWest account in your name.
We'll no longer be issuing new or replacement cards for your savings accounts. If you currently have a card, you can continue to use it until it expires.

Residential Parking ticket

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Hi,
I have read the newbies forum and done some researches around the forum. I have some understanding of what I need to do but would be much appreciated if I could get some advise!

I am the owner of a share of freehold property where there is parking spaces outside of the building.My case is similar to the case below:
[https:// parking-prankster.blogspot.com/2017/06/residential-ticket-only-cancelled-after.html

Except that the parking permit is not a newly introduced system.

The Incidents

Back in 2015, I parked my car as usual at one of the available parking spaces without noticing that the permit dropped to the floor whilst I turned the car at some point before I park.

I got a PCN the next morning. Within the same day or two (poor memory from my part), I rang parking management company and told them I am an owner and therefore entitled to park anyway. They refused to cancel the ticket and suggested me to appeal to POPLA. I appealed to POPLA stating the truth as aforementioned, together with a scanned copy of my V5C to prove the registered address of the car matched my address, as well as a scanned copy of the parking permit and the letter from solicitor that confirmed I am the owner of the property. POPLA eventually refused my appeal based on the evidence submitted by the parking mangament company (photos of my car without permit, photo of the sign at the car park). After that, several different debt collectors have been sending threatening letters for couple of years. It stopped for a year and until recently BW Legal started sending me letters again and I have received the Claim form few days ago, with the claim amount being just under 300quid T.T

Initially I was worried and was debating myself that I might as well just pay off the claim once and for all. But when I realised that I am not able to pay online but rather have to send money to the parking management company with all my personal detail, I decided to fight back....

Points to be taken

In my lease, it states that the I have the right to use in common with the Lessees and the occupiers of all other flats and their visitors the Reserved Property (includes gardens drives paths and forecourt) subject to provision of another part of the Lease and to further rules and regulations for the common enjoyment therof as the Lessor may from time to time prescribe.

In that "another part" of the Lease, the only relevant part to parking is:
Not to leave or part or allow or suffer to be parked any private motor car on the Reserved Property so as to cause obstructions to e.g. ramp leading to basement etc
AND any such private motor car parked on the Reserved Property in conformity with the requirements hereof shall at all times be fully taxed and insured and in a roadworthy condition.

So in no part of the lease states that a parking permit is required for parking.
I also understand from the research that "parking company could not override the tenant's right to park by requiring a permit to park".

Where I am
I am now in the stage where I have submitted acknowledgment of the service this week. I have taken the letter written from the link above and adopted to my situation.

BW Legal has sent me another letter two days after I received the Claim Form, pointing out that following expiry of a pre action protocol letter before action, they have issued legal proceedings. They also states that it is not too late to get in touch and would like to discuss option available to prevent CCJ, including an instalment plan (how thoughtful of them).

1. What I am unsure now is that, is it still worth sending the "Letter before claim" to BW Legal, the parking management company and the property management company like the link above? Or is it too late now that this is definitely going to court?

2. In my adapted version of the "Letter before claim", I have currently removed the data protection (or GDPR to be more update) elements as I am not sure how it works given that I have sent all my information to POPLA in first place and that POPLA then shared with the parking management company due to my appeal. So I am not sure how the breach of GDPR apply in my case? Does it apply due to the fact that the parking management company shared my information with several debt collectors in the past and now BW Legal?

Your advice is much appreciated!
Many Thanks

E: 25/07 Sunday Express Win £100 (phone/text)

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Sunday Express - Crusader crossword

Answer: HAIKU

Call 0904 161 1610 and leave your answer and details. (Calls cost £1.50 plus any network extras)

or

text SXCRUS followed by a space, your answer, name and address details to 84915. (Texts cost £1.50 plus your standard network rate.)

E: 25/07 noon Sunday Express Win £50 (75p+ phone)

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Sunday Express - Skeleton mystery word bonus

Answer – SIDE-SPLITTING

Call 0901 322 5301 and leave your answer, name and address (calls cost 75p plus your telephone company's network access charge)

Is it normal for one house to feed next doors electricity? Semi detached

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Hi,

I'd it normal on 1950s semi detached houses for one house to feed the other. I.e the main comes into one building then feeds the other too.

I mean my house feeds my neighbours, I have traced the wire and it doesn't go up to my metre and it looks like it's not spliced. I.e it's looks professional except the huge hole cut through for it.

Just seems weird so thought I'd ask around

Next Best Thing.

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Hi All
What's the next best thing from a Life Time ISA or Help to Buy ISA
In terms of Rewards, High Interest, No Fees and Low Risk.

Regards

18/8 Win 14 x Musical blue rays worth over £200 (Rafflecopter)


Who Can Apply For Letters Of Administration?

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My Mother's cousin was estranged from the family and she died 19 months ago without a will. When we learned of her death at Easter, I took on the role of administrator to sort out her affairs as nothing had been touched.


My mother is the deceased's closest relative (first cousin), but we have become aware there are others who also have a claim. The others are the children of other deceased uncles, ie. cousins once removed.


I have sorted everything (house, unfiled Self Assessment, dealing with DWP, banks, NS&I, utilities, etc, etc), acting and registering as executor/admin. since my mother and I became aware, and we are now very close to being able to return the IHT forms and apply for Letters Of Administration.


My mother has signed a power of attorney form for me to act as administrator. Do I act as administrator alone, as I am acting on behalf of the closest next of kin on an attorney basis? Or do the other relatives who are one step down the rung (ie. cousins once removed - the same level as I am) also act as administrators?


Thanks for any advice.

Being told by employer you need to go to court

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Hi. Sorry i'm not really sure if this is better suited here or the motoring forum so as i think it's more to do with employment i will try here.
You're involved in an incident/accident on the road whereby the other driver ignores road markings and you have a collision. Fast forward months and your employer is telling you you need to go to court over this matter.

I don't know the answer obviously which is why i am here but can they make you attend court for this? Without being facetious obviously nobody can make anyone go. If you decided to not leave your bed then nobody is going to come and physically remove you. That's not what i'm asking. Is it likely that you would be required to attend court though in such a situation? Say the incident happened on a non-work day with a non-work vehicle then yes i can see how you may be required in court. I didn't know if it involving work vehicles and work time changed anything & whether the employee or employer would be required in court.

I know it'll all seem like really simple stuff to others & it probably will to me when the replies come in but i just wanted to ask.

E: 17/08 Win the Niche Zero Coffee Grinder & Blue Coffee Box 6 Month Subscription

GHD Repairs

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Lots of companies on the net offering fixed price repairs for GHD hair straighteners
Any recommendations, or companies to avoid
Many Thanks in anticipation

Personal relationship manager

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Does anyone have any experience with these services? Specifically Lloyd’s or Barclays?

As the name implies I’ve always been a big saver, too risk adverse to invest.. but I’m in a position where I think I’ve done what I can to make my money work for me with regards to current accounts, regular savers, isas etc.. and I’m ready to take a next step. I must say that having a direct contact at each bank does have a comforting feel! However, I am aware that they just want to sell their services/products.

I’d like to hear other people’s experiences and have some kind of better idea as to whether these ‘premier/advance/private’ banking services are anything special?

Thanks I’m advance
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