SLad

Loz Wrote: ------------------------------------------------------- > SLad Wrote: > -------------------------------------------------- > ----- > > The free ride I'm talking about is having the > > equity in my property paid off for me without > my > > paying tax on the money I make on the > enterprise. > > What Jeremy said - you only get relief on interest > costs, not equity pay downs. I'm surprised, given > your level on knowledge on this subject, you don't > know this. Sorry Loz, I think you misunderstand me: we may be a rare breed but we have a repayment mortgage on our rental property in London. Rental income is such that it covers the full extent of mortgage repayments, expenses, tax and leaves a profit now, on the transitional arrangments and by the time the tax is implemented in full in 2020 ( or so my IFA and various free calculators tell me), we just won't have as much of a profit. As far as my two penniesworth are concerned, I think we as private landlords have had a v easy deal of it for years and I'm unconcerned that's being reined in. I appreciate other landlords with tighter yields might be in greater difficulty but if that serves to release more property on to the market for first time buyers then so be it. If the figures move against us and make it completely ridiculous to keep the property then certainly we will sell it, pay our CGT and still have made a significant return on our investment.

Thanks Tracey. I think you've missed the point. I'd actually like to know who is on the other side of your case and go and offer them my services on a pro bono basis. Happily, I suspect the Treasury Solicitor has already got this one covered so I'll just be cheering on from the sidelines. By the way, crass assumption that because our mortgage is significant is represents a high LTV. It doesn't. Ta ta.

The free ride I'm talking about is having the equity in my property paid off for me without my paying tax on the money I make on the enterprise. On the funding issue, I think you need to go back to your lawyers and ask them why they need more money now as they should be doing very little whilst waiting for the permission decision to come through as your grounds will have been drafted, appropriate court fees paid and you should just be waiting for the decision. If you can't get a case to a permission application for the money you've already raised then you've probably made a bad choice of firm, but then again I would never encourage someone to go to a firm which instructs its own founding director as the lead barrister in a case. But that's just me. So, I ask you again, what does your group propose to do with any surplus? You have to know, right, if you're pushing for additional fundraising...

Hi Tracey, we have a significant mortgage on our buy to let, property and my husband and I both pay higher rate tax, thanks. I just fundamentally disagree with you on the principles in issue here because I don't believe in getting a free ride. I also have a full understanding of the legal system (being a lawyer tends to help) so having now conceded that you're at the permission stage for the JR, not waiting for a decision from the CPS, can you please explain to me why you need further funding via crowd funding before permission is granted? If permission is refused, either the case ends or you have one chance to go to a 20 min oral permission hearing to try and get permission (for which you can instruct a junior barrister for about ?750-1,000). I'm sure the tens of thousands of pounds already raised would cover that. What exactly does your organisation intend to do with any surplus?

Also, why in God's name would you be waiting to hear from the Crown Prosecution Service on whether a judicial review claim has prospects of success? If you're asking people for money, you should at least understand what's going on. I am a buy to let landlord and I think the 'someone else can pay off my mortgage' approach to taxation adopted until recently was ridiculous and am quite happy to pay the new tax on my earnings from my property. To categorise the tax as a 'tenant tax' is quite ridiculous.

Have you tried speaking to the foreman or the owners? We had this last year in a house 5 doors up which my daughter and I regularly walked passed. I stopped one day when I'd heard the C word about 5 times in 3 days and spoke to the foreman. Everything went quiet after that and, on those few occasions that voices were raised again, I just popped round and told the particular people concerned that I would report it to the foreman and the owners of the property if I heard it again. Surprisingly enough, they paid heed and the rest of the build completed without any problems.

I have borrowed this from a facebook group I'm in as I thought it was very helpful: Parents - are you a wee bit pissed off that teachers are on strike again? And it's all about their pay?!! I am a teacher and I will be on strike on Tuesday. I want to explain why. 1. It's not really about pay. As a profession I think we are well paid. That is why we have good quality professionals working hard to teach children, inspire them and look after them. But this is about to change. 2. The white paper The governments latest white paper proposes DEREGULATION of teachers pay and conditions. Currently all local authority employed teachers in England are paid according to the same contract. Like nurses and doctors, we have automatic pay progression (so the longer you serve the more you get - an incentive to stay in the profession), pay portability (if we move schools we get the same basic pay - they can't pay us less - this stops a competition between schools for teachers based on money - without it richer schools will always poach good staff from poorer schools) . 3. What is performance-related pay? The introduction of performance related pay will mean that teachers get paid according to exam results. As a parent I would never want a teacher to look at my child and think 'is he going to wreck my data and stop my pay rise?' We are not working in sales - it is hugely problematic to pay us based on exam results. 4. Why should non-teachers care about teachers pay and conditions? Deregulation also means that our working hours, holidays, pay, sick pay and maternity pay will be individually decided by the employer - the academy that is. An Academy in Manchester has in its contract that maternity pay will be 'subject to affordability'. Who will become a teacher if the terms and conditions are unattractive? A mum said to me yesterday 'but in my job I don't get good maternity pay - why should I care about teachers?'. My answer is this: public sector pay and conditions set the bar for private sector pay and conditions. If we get screwed you will get screwed too. 5. What's the problem with academies and free schools? Academies and free schools are businesses. That means their primary concern is money. The government is paving the way for them to become profit-making businesses. Already many academies double up as wedding venues, conference facilities etc. No harm in generating revenue eh? Well only if it's being ploughed back into the school and The children. Let's remember schools are about children aren't they? It seems not. Many academies including Harris academies have recently got in trouble for deliberately excluding 'problem children' and paying local authority schools to take them off their hands - because they wreck the data. How can you publish your excellent GCSE results if some stubborn children just won't make progress! The answer in some academies is to get rid of them - then you don't have to report their results. So if the money isn't spent on the kids where does it go? Good question! Do a Google search on haberdashers free school account fraud. He ran off with ?4million! How did he manage to do that? Answer - because he was only accountable to the board of governors and the head teacher. Local authority schools are overseen by a democratically elected local council. Academies don't have to bother with that level of accountability. And the government also wants to get rid of parent governors. This would mean that academies would only be accountable to themselves. We're talking about millions of pounds of public money. Already there have been many documented cases of fraud in academies and free schools. 6. Qualified teachers V unqualified teachers Academies and free schools don't have to employ qualified teachers. Unqualified teachers are cheaper of course. But I know which one I want teaching my children. This is all I have time to write just now. The problem is that most teachers are so busy that they haven't taken time to communicate all this with parents. I think we need to get much better at doing that. But just think about your children's teachers - do you trust them? If you do then please trust that they are on strike for the right reasons - for the future of our jobs and our schools - defending education from privatisation. Please ask questions.

Good luck to you, Foxy. Enjoy the relatively brief after-effects of this momentous decision that you contributed to. News from the economic front bench so far suggests billions wiped off pensions, stagflation likely to hit increasing the cost of living for everyone and nhs likely to face it's biggest staffing crisis if free movement of people ends. Brilliant. Can someone send me Boris Johnson's address please? I'd like to go and join the booing.

DulwichFox Wrote: ------------------------------------------------------- > Loz Wrote: > -------------------------------------------------- > ----- > > DulwichFox Wrote: > > > -------------------------------------------------- > > > ----- > > > Well poor UK. citizens do not go and live in > > Europe.. France. Belgium. Italy. Germany.. > > > > Maybe, but I reckon we export more unproductive > > people - how many retired people head to Europe? > > > Apparently there are over half a million in > Spain > > alone. > > Well .. I would of thought they have done their > bit for this country in their time.. > Let them enjoy the Sun in their final years.. > > Foxy What a cripplingly inane comment. But, actually, this means you should vote Remain as without free movement of people it's going to be much harder for those hard-working retirees to get to Spain to enjoy their sunshine dotage.

We designed and ordered our en suite bathroom with Marc at Bells on Lordship Lane and thought the design process and customer service was fantastic so would highly recommend booking an appointment with him to go through a potential design.

My goal with providing a meal is to give my daughter enough energy to survive to the next meal without snacking and to share time together to decompress and talk about the day. When we have a kitchen (missing in action during renovations for the past 6 weeks) we have home prepared or cooked food at every meal so I only worry about nutritional content when my nanny insists on giving sandwiches every lunch. My daughter has always been a good eater so I don't tend to worry too much about what she has managed to eat at each meal and it delights me no end when she declares she is full and pushes away her plate (a skill I never learned in the age of 'got to eat everything on your plate', to my cost). We always ensure that we have a bit of balance with the occasional treat like a lolly for pud or a lump of cheese to finish so I hope that, in the long term, we're teaching her to have a healthy, non-dependent/obsessive relationship with food. We shall see if we manage it!

Wow. Strong views from the previous poster. on the other hand I've lived in West Norwood since 2008 and have never had any problems with crime or seen any violence in the area, though I know there has been some (as with east Dulwich and all surrounding areas). We have a 3 yr old and one on the way and the area is great for families. Highlights include the new swimming pool and leisure centre on Devane Way, great collection of family friendly coffee shops and restaurants and, of course, the amazing Feast festival which is community powered, going from strength to strength and happens on the first Sunday of each month March-Dec. Can't wait for the picturehouse cinema to arrive in 2017. We're not at school age just yet so can't comment on the schools but I know that st Julians farm is highly sought after and the buildings and grounds look great (viewed from the leisure centre ). Frankly, I just don't recognise the other posters description of We No but I hope they have found somewhere new to live they love. More room for the rest of us here!

Try searching for Vinadelmar on here. She is my current nanny and is looking for extra hours on a Thursday when she takes up her new nannyshare position which is 4 days a week. She wouldn't be free on Mondays but would be great to help on Thursdays if you could split the role. She's nannied for us for 2 1/2 years and turns her hand to helping around the house as well. She's very caring and trustworthy. Could be a great fit.

Happy to help and tick the woman and law box assuming this will be before the summer holidays?

If it's a small claim the Judge will be a District Judge or a Deputy District Judge and both should be addressed as Sir or Ma'am. As you're the Claimant, you're expected to prove the case : sounds as though it's a non-payment of fees claim so you will need to prove the debt (i.e. prove that there was a contract - be it written or oral - for you to do something for which they were obliged to pay) by proving you performed the services you were supposed to provide and that there has been non-payment of the some due, in the time specified for payment. If the other side want to suggest that they shouldn't have to pay the debt because you didn't do the work you were supposed to do to the required standard then they should have brought a counterclaim, which they ought to have raised when they put in the defence. If they are acting without lawyers, the Judge may well allow them to proceed with that argument even if they haven't expressly raised a counterclaim. If there have been any directions then you should make sure they have all been complied with, particularly directions requiring your Company to provide documents and/or witness evidence to the Court. It would be sensible to make sure that they are sent to the Defendant in good time before the hearing. Even if there are no directions then it would be sensible for you to prepare a witness statement from any relevant personnel (including yourself) dealing with the facts you need to prove. This should be headed with the court, claim number and parties and clearly labelled 'Witness statement of ...' - there are lots of hints and tips available on the internet to help. If the witness speaks to a relevant document, like a contract or an email requesting payment, then these can be exhibited to the witness statement by being attached. It's sensible to give page numbers to the documents which are attached so you can refer the judge to the relevant sections. Again, make sure you send any witness statements to the Court and to the Defendant in good time before the hearing (at least 7 days before) and turn up with copies of what was sent at least in triplicate so you can give spares to the Judge or the Defendant in case they have got lost in the admin system before the hearing. As for prep for the day, make sure all your witnesses can attend and turn up smartly dressed and ready to be professional. Make sure you know your stuff and can explain your position to the judge and try to have a think about what the other side might be saying to avoid the debt. Don't forget that you're entitled to ask for interest on the debt if there's a contractual provision for interest or you've asked for interest in your claim form. You can also get costs - fixed costs and witness expenses - unless the other side behalf unreasonably, in which case you might be able to all your costs in preparing the claim. The whole thing will be conducted pursuant to Part 27 of the Civil Procedure Rules and the associated practice direction. Both these can be found in their current format here http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part27 I'd suggest you print them out and have a good read of both before you go to Court. Good luck.

Look who's back - really funny book imagining the return of Hitler.

Ian Partridge at 3pb.

Sure, and I acted in 100s of small claims hearings (5 a week at times) in my early career. My point was that if you meet all the deadlines and streamline your submissions and approach to what is needed to prove your case via the very helpful guides that are out there then you're already doing ten times better than most litigants in person and less likely to irritate the Judge. As for what the judge was like and whether other people won/had to enforce their judgments, I'm not sure how that would help you but probably best to try and id at least the court your case is likely to be heard in and the liquidity of your defendant e.g if you're likely to be in Wandsworth cc suing a company with a good balance sheet, you may well have a totally different experience to someone suing their builder in Lambeth Cc. Good luck with it anyway.

It's a pretty straightforward process and there are lots of helpful guides on the internet. Just make sure you comply with any deadlines set by the court and ensure that you have evidence to demonstrate that there was faulty installation or a mistake on their part. If you are very keen to avoid any hearing then you can suggest mediation but you will need to be ready to compromise something in order for the mediation to be effective.

We went to Cornwall without a car and would say Lostwithiel and surrounding towns would be fine....especially if you'd be willing to take buses/taxis/walk to get about when you're there. Train from Padders goes direct to Lostwithiel. Otherwise, I did a lovely holiday pre-kids without a car in Thurlestone in Devon. Just had to get a taxi from Exeter St Davids to the holiday home. Gorgeous beach and lovely pub in the village (or at least there was about 10 years ago!)./

diddi dance at the church on barry road at 10am.

richard tudor Wrote: ------------------------------------------------------- > A petition calling for it to charge ?reasonable? > rents has gained thousands of signatures, as well > as backing from celebrities including Channel 4 > newsreader Cathy Newman. She tweeted a picture of > the Just Williams toy shop, which is closing after > 10 years, saying: ?Much-loved local toy shop shut > down after astronomical rent rises. Kids gutted. > #greedylandlords.? > > Why would Cathy Newman appear. Is it the trial by > media mob calling on favours? > > Does she live local. > > Whole thing leaves a lot to be desired. Yes, Cathy Newman does live locally. I think her kids go/went to Rosemead.

the bullet is half price at Robert Dyas at the moment so only ?50. Kicking myself that I didn't wait until post-chrimbo to buy one but have been loving it since we bought it in November. Added bonus is the dry food blade which we use to make breadcrumbs and grind spices for cooking. Such a whizzy object.

Notwithstanding in a legal context creates an exception to the position as it otherwise might be so, depending on the exact context and assuming there's no specified notice period during the probationary period, then I think the clause would likely be interpreted by a court as demanding a 2 month notice period which is unusual and very onerous. As a pragmatic suggestion, perhaps you could dismiss her and offer to pay 1 month in lieu of notice and she whether she quibbles. Then you could always negotiate something between 1 and 2 mths to get rid of her. The context however will be key.