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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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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Hello everybody, i'm having a similar issue with Simarc; interestingly they quoted the same rhetoric to me about that court case from another thread "CAM/00KG/LVA/2013/0001"

 

My situation is that i filled out their online form and gave my email address; in so doing I apparently agreed to receive future GR notifications by email. I left my company and forgot to update the email address (my bad); they sent the GR demand for 125 and clearly it bounced back as i didnt exist any more. They did nothing else, then 4 weeks later, they charged 96 admin fee.

 

I've written to them asking for a copy of the original email and attachments (to see if it has the attachments you reference); I've also asked them to summarise the work they did when in their response they said "As a result of non payment [of the GR] additional costs were incurred in recovering payment of the arrears. We regret that we are unable to reimburse charges incurred"

 

I've paid the admin fee so i'm not time bound on this one but i want to know if it is worth going to tribunal. Presumably tribunal will cost me about 50 quid, so i'm arguing over 46 quid and I dont know if it's worth it even though the principal is.

 

all help gratefully received;

Pete Ads

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I can't understand why you agreed to pay a £96 admin fee.

It has to be an unenforceable fee if it is being applied for a late payment.

I would inform them that you now realise that the admin fee is extortionate and unless they can justify it by a detailed invoice showing a complete breakdown of the total, that you will be applying the money made in error to the outstanding balance of the ground rent.

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I can't understand why you agreed to pay a £96 admin fee.

It has to be an unenforceable fee if it is being applied for a late payment.

I would inform them that you now realise that the admin fee is extortionate and unless they can justify it by a detailed invoice showing a complete breakdown of the total, that you will be applying the money made in error to the outstanding balance of the ground rent.

 

I don't want them to send collectors around for a small amount but I don't want to be overcharged. I have told them the payment was made under duress and requested a detailed breakdown but they claim they don't need to provide a justification or detail.

 

How much would a hearing fee be if I take this to tribunal, I'm only quibbling the 96 and it's reasonableness.

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Thanks for the replies everyone, if I can prove the email address bounces back, is it their responsibility to subsequently write to me? The email address definitely bounces back so they will have received a 'return to sender' response. They send lease extension fee mandates by post so they know how to contact me

 

I've attached the lease details from when i bought the place and also the last copy of a ground rent demand i had from 2y ago. Nowhere that I can see (including s13.1 of the lease) does it mention an admin charge, it mentions interest at the applicable rate, but given the admin fee was 80% of the overall ground rent, i cant believe anyone would think that would be reasonable. Simarc are really dumb, I wouln't quibble a 5% APR payable for the 30 something days i was delinquent, that would be about 50p probably, but going for a flat fee of 96 which i guess is 80 + VAT is exorbitant.

 

All help gratefully received,

Pete Ads

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I can't understand why you agreed to pay a £96 admin fee.

It has to be an unenforceable fee if it is being applied for a late payment.

I would inform them that you now realise that the admin fee is extortionate and unless they can justify it by a detailed invoice showing a complete breakdown of the total, that you will be applying the money made in error to the outstanding balance of the ground rent.

 

Not quite accurate, the lease (contract) may say that a fee is payable for late payment charges so it MAY be legally payable depending on the wording of the lease and relevavnt staute laws, the FTT (LVT) has the power to decide even if payable whether its a reasonable amount, normall for sending a single letter they may conclude its too high. Although uit doutbful whether it would be worth the hassle/expense to apply to the FTT for a single fee alone.

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I dont think your email argument has any merit to it, it would be upto you to inform them of change of address/email, its NOT upto them to check for bounced back emails.

 

Having said that, for the extra dmin charge to be payable they must of sent you the Administration Charges - Summary Of Rights (as per here > http://www.lease-advice.org/publications/documents/document.asp?item=89), I was helping someone else is same position and the Admin Charges - Summary sent DID NOT comply as the Font size was smaller than Point 10.

 

Having looked at the lease quickly, its does look like Page 30 Paragraph 6 could allow them to recover admin charges, this may need some further careful reading.

 

You should write to them and ask them what clause allows them to recover admin costs and see what they say. In any event you could ask an FTT (LVT) to decide whether £96 is too high, Its prob not worth applying to an FTT as the it would be worth the cost (or time off work/paperwork), etc.

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thanks AndyDD, can i refuse to pay the admin charge until they provide me with the information requested (ie what clause, what breakdown etc); Simarc are famous for ignoring correspondence when it suits them, so I'd like to ensure that I force them into replying. I dont think it will be worth going to LVT as i wont recover costs and as you say that outweighs the 96 it's cost me, but i dont want to let the shisters win.

 

Is there some regulatory governing body I can complain to if they dont reply to my requests for example?

 

thanks in advance,

p

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HHmm. Generally the advice in disputes is to pay under protest and then try and claim money back later, there are cases where people withold but after various legal action the amoumnt they owe is increased a lot, many leases (including yours) contain clauses that allow FH'ers to reclaim any legal costs, even if they win or lose, this can be a killer clause and force leaseholders to pay huge bills !

 

Alas no governing bodies as such, although think there is legislation to introduce some.

 

There is Arma - http://arma.org.uk/ , of which Simarc may or may not be a member.

 

There is aslo the RICS Code of which they are supposed to abide, but with no real punishment if they dont.

 

To be honest, in your situation and having read the lease you dont have much argument about the fee, IMO they are entitled to charge it BUT its is IMO too high and should be in the region of £25, you could pay the £96 but say you may dispute it at a FTT in the future or for example pay £25, say that you believe it is a reasonable amount in line with LVT/FTT decisions and invite them to make a FTT application should they decide.

 

Its prob best to do one of the above and dont just pay nothing.

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Thanks again AndyDD, how about the letter below for example?

 

---

 

Dear Simarc,

With regard to your admin fee of 80+VAT for a delayed ground rent payment that I paid under duress, I have now consulted independent legal advice on your suggestion and this fee is unreasonable.

Having reviewed recent LVT/FTT decisions for cases similar to my own, a fee of 25+VAT has previously been found to be reasonable by LVT/FTT tribunals. For this reason, I offer 30 GBP (25+VAT) as a full and final settlement.

The case you referenced in your original note where 80+VAT was found reasonable was in a different and far more complex case. Further, looking at the most recent Ground Rent bill you sent - in the “fees and charges” section, it lists arrears letters as being charged “from 15+VAT”. For this reason, my offer of 25+VAT is believed to be reasonable.

If you consider my offer above to be unreasonable, you are welcome to file an FTT application.

Please respond to this email (also sent by mail to your registered office) if you disagree.

Thanks,

 

name

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Re-Reading your first post I see that youve paid the original admin fee of £96, is that correct ?. In which case the above doesnt really make sense, it should say something like, "Refund me £66".

 

Actually I was just having a read of the relevant Ground Rent demand law here > http://www.legislation.gov.uk/ukpga/2002/15/section/166 but not sure if it helps, I thought it said Must be sent by post but it say 'May'.

 

You prob should not of agreed to receive email demands from Simarc, it doesnt benefit you (only them) and its too easy for the scenario you are in to happen.

 

I'm sure there have been similar cases regarding emails, Ill try and find some.

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Did you answer my question from post #8 "Having said that, for the extra admin charge to be payable they must of sent you the Administration Charges - Summary Of Rights (as per here > http://www.lease-advice.org/publicat...nt.asp?item=89), I was helping someone else is same position and the admin Charges - Summary sent DID NOT comply as the Font size was smaller than Point 10."

 

If you havnt received the demand for the extra admin charges (not the GR itself) ACCOMPANIED WITH THIS > http://www.lease-advice.org/publications/documents/document.asp?item=89 then the extra admin charge is not payable, the last person i helped, the demand sent by Simarc did not comply as the font size was too small.

 

BUt having said that you still have the problem of getting the money back, offsetting would appear to be a reasonable way of doing it, but tread carefully, as the lease does appear to allow them to recover legal costs..this can apply even if you win legal action (although read up on S20C applications that can stop this).

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Did you answer my question from post #8 ....

 

I didn't receive either sadly because of the email address mixup, but I have an old one (non compliant) and I'm due to pay the next instalment which I shall delay to see if the latest demand now complies. i did ask for the originals for the one for which I was fined to be sent but Simarc is doing their usual ignore trick that others have complained about. I'm wondering whether to just sue them through small claims court or can I complain to the building owner to appoint another company since they're not responsive or ask for another company to be appointed or.... What's the way I can cause maximum grief to Simarc since they're just hiding behind ignoring emails

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Yes..its you didnt receive the docs but I suspect that Simarc may be in the clear but saying that they sent to email address you gave and therefore deemed sent.

 

A CC claim maybe succesfull but dont think its worth the risk, the best method would be to save up a number of grievances/overpayments and then make a single LVT/FTT application, this is what I did, mostly succesfully but I dont really like LVT, they made some wierd decisions in my case and many complain they make contradictory decisions.

 

By building owner, you mean Freeholder ?, I think that Simarc are the manageing agent from what I recall.

 

Your options are limited here, you can join other leaseholders and form a ltd company and take over the management of the building by forming a RTM (Right To Manage) company.

 

You can do the above AND own the freehold by forming an RTE (Right To Enfranchise) company but the freehold cost may high, many thousands.

 

You can use LVT/FTT to force a new management company, this is pretty rare and use must show that they are seriously poor.

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  • 2 weeks later...

Am also having exact same problem with Simarc due to not receiving emails. I havent paid anything as yet. They are now trying to charge me £108 inc VAT. The clause in the lease they are trying to claim is attached - clause 3. I think its a bit wooly - it mainly covers entering the property which also doesnt sound wholly legal. They sent the summary of rights, which ive attached - but can anyone tell me if it satisifes the point 10 condition? I dont think it does, but as its a pdf I cant tell. Has anyone ever been 'let off' due to the font size 10 issue? Any help appreciated. They are about as communicative as a rock!

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Hi.

 

You prob should start your own thread for this.

 

So I assume that the scan above is exactly as you received it, a single A4 Sheet (or has the scanning made it smaller ?), was there another sheet with Paragraphs (9-11) ?

 

Anyway it looks far smaller that Point 10 to me.

 

If you go here > http://www.jpclaw.co.uk/uploads/New%20LVT%20Changes.pdf you will see the proper size.

 

Reading Clause 3, the 'although no formal demand' bit isnt true as the law overides this and says you MUST be given a demand but I think alas it prob does allow them to add on admin/late payment charges BUT its irrelevant as the Admin Summary is too small so nothing is payable untill they send one (so its wise not to mention this to them unless you have to !).

 

I think this is another warning DO NOT agree to to email demands, insist they post them in the normal way.

 

I'd make sure you pay the Ground Rent (unless you are 100% certain a demand was not sent).

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Thanks for the reply AndyRe the rent demand this is a printed copy of an emailed demand, I dont ever remember receiving the physical copy but they did email it to the email address i no longer used. No paragraphs 9-11 - i didnt even realise there were more missing? Am I missing them as the property is in Wales, not England and therefore it doesnt apply?Where do I go with the font size 10 issue? You mention "its wise not to mention this to them unless you have to" - can i ask what you mean exactly. As they havent provided this to date can they subsequently supply it in a minimum size 10 and therefore get round this point?I have offered to pay the ground rent alone and sort out their 'admin fee' seperately but they wont allow - as before you have to pay online and you can only pay the full amount including the charge on there, or send a chequeAnd agree, I will be disabling my 'online' account with them - they can demand everything from me through the post after thisThanks

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HHmm..

Looking at the legislation, Wales does differ in a number of points.

 

The full version for Wales is here > http://www.legislation.gov.uk/wsi/2007/3162/regulation/2/made

 

This would seem to imply that it should be in both Welsh AND English, and yes, there is no 9-11 for the Welsh version, so I'd say its not valid coz it doesnt include the welsh version AND also its still smaller than point 10.

 

In theory you dont have to do anything, theyve sent you an invalid demand and you therefore have a right to withold payment of the late payment/admin charge.

 

I said dont mention it to them coz if you do, they could simply fix the errors and re-send it and then it would be payable *

 

You could either do nothing or write and say that the demand is not valid (but dont say exactly why).

 

I did the latter, they wroite back asking why but I didnt reply, they eventually started a court claim (for ground rent and other charges) but theyd made so many mistakes that I applied for Su,m,mary Judgement (to throw out their case early), it didnt go to a hearing as they withdrew their case and paid my costs.

 

* Any service charge or admin charge can be challanged at a First Tier Tribunal (FTT) (Previoulsy Leasehold Valuation Tribunal - LVT), you can challamnge that it is not payable at all (from reading your lease, I think youd lose this) OR that the amount is too high, generally FTT's have previoulsy agreed that the cost of sending you a reminder notice would be about £25 NOT £100 +, Ive helped someone else with exact same issue and Simarc pointing to some flawed FTT/LVT decisions, I helped guy write back and argue and theyve since shut up.

 

So your main options are to do nothing (as demand is invalid you have right not to pay), or you can make FTT application BUT the cost and work involved isnt really worth it (its best to save up lots of disputes (going back 6/12 years) and make a single application.

 

Let me know if you do want to write to them (this can often look good in future if it went to court/FTT)

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Hi Andy. I Would love to write to them and if you can help me I would appreciate it. So I think theres 2 issues we have identified:1) charged me more than the FLT/LVV have deemed 'reasonable' anyway - £108 vs £96. I have asked the guy at Simarc why I am being charged more and no response to my question (regular feature). 2) the rights statement is in smaller than font size 10 and also not in Welsh. Do you suggest I just reply with something along the lines of the below - Daniel, Following further investigations into my rights as a tenant I will be withholding the £108, including VAT, for 'admin charges' that your clients are attempting to charge me, as the Demand Notice you have sent me is not Valid. I can send a cheque for £170 to pay the ground rent through recorded post, or I can pay via telephone/over the internet if you update my account accordingly. Please advise which payment method I should proceed with." I have until Weds 9th to send them money. Want to get this sorted as dont want to end up with it going to any form of tribunal, and incurring more cost. I just disagree with the amounts they are charging - they are just not reasonable to anyone. Thanks Andy for your help so far, have tried to private message you but it wont let me :-(

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You need to 'try' and pay the ground rent, however Ive heard that Simarc dont often answer the phone and on website will only accept full amount (i.e ground rent PLUS admin charges).

 

Yes, best bet would be to send a cheque, if they return it then at least you can show this to a court/FTT if it ever went there.

 

Im not sure that your demand MUST be in Welsh too, upon reading the law I think thst is what it says, anyway just been doing some test for another guy, his demand is same as yours and the Admin Summary deff is smaller that Point 10. Ive attached an example of Admin Summary in Point 10 and even with no paragraphs or gaps, you will still see it is far bigger than the one used by Simarc.

 

You therefore have right to withold the charge (although note Simarc could just recity this in future and send valid demand, if they did this, Id suggest just sending them £25 and say that is a reasonable amount for a late payment charge).

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Thanks Andy.

 

I have emailed them back tonight. Tried to call again today but again, no answer - my ongoing complaint with them which they continue to ignore.

 

Have asked them why they are charging more more than the court has already deemed reasonable and just said that the demands not valid. Will see what they come back with now. Suspect they aren't going to go away.

 

And yes, you can only pay the full amount including any admin fees on their website or on the telephone banking thing. It won't let u pay any less......

 

Will keep you posted. Thank u for ur help

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Your answers are an exact duplicate of someone else I am helping !. No answer to phone, can only pay full amount, etc.

 

Have a look at this > http://www.leaseholdlife.info/reports/Rics_Code.pdf, Its the RICs Code that freeholder/agenmts are 'supposed' to abide by, including communication with leaseholders, remind them of any areas where you think they dont comply.

 

Youll prob get same response other guy did, they just stick to their guns and say they wont communicate anymore, there is slight difference in that your lease prob does allow admin fees but his doesn't, and in fact when pressured Simarc pointed to the Forfeiture/S146 clause to try and justify the fees but this isnt what it is for at all !

 

Alas it the just gets to an impasse, just remember that nothing is owning untill/unless you get valid Admin Charges - Summary of Rights (in right size), IF they do eventually send one, then something will be owning, at that point Id suggest sending £25 or making FTT application.

 

But as it stands let them do the FTT application to prove their case (they prob wont!)

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