consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Knowledge

General Knowledge As the title suggests - a kind of "Did you know...?" - a place to add snippets of information about consumer law. Everyone must know at least one little gem that could help out loads of people. Try and post with a link to clarification where possible.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 5th May 2008, 11:37   #1 (permalink)
aj101
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 8
aj101 Novitiate
Default Where does he stand, does she keep all or can he get some????

Quick run down of the situation.

My dad lived with someone for 17.5 years, and has recently been, shall we say, right royally screwed over by her. She kicked him out with not much other than his vehicle, his tools and his clothes. Meanwhile she sits pretty in the house that he half built. He contributed £400 a month into the joint account, which he can prove via bank statements. He built an extension onto the house, and also did various other home improvements over the 17 years, leaving her now with a house that is more than likely worth more now than it was then. She own that house (sole ownership) but also 2 other properties which she rents out.
While she is living the effective high life, dad is having to stay with his sister as he quite simply, cannot afford to rent anywhere.

Does he have any rights whatsoever to at least a %age of the house value seeing as he was contributing to the finances and also the work he did on the house over the years. He has been speaking to a solicitor who is quite literally useless at the minute, not giving any answers and that is when he can be bothered to get in touch. Is it worth him carrying on, or can she get away with leaving him with nothing?????

Thanks guys, if anyone knows the answer to this, then it will be you.

AJ
aj101 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 11:49   #2 (permalink)
gizmo111
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2006
Posts: 9,506
gizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritativegizmo111 Authoritative
Default Re: Where does he stand, does she keep all or can he get some????

I'm sorry to have to say that if they weren't married and the property is in her sole name, and there was no agreement to say different, it is unlikely that he will be entitled to anything.
What was the £400 per month for?
gizmo111 is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 11:50   #3 (permalink)
falcon185
Gold Account Customer
 
falcon185's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2006
Posts: 603
falcon185 Novitiate
Default Re: Where does he stand, does she keep all or can he get some????

Hi,
I do believe that if he has contributed in any way to the upkeep etc of the property, although they are not married he IS entitled to half of the property value, dont quote me on this but I'm pretty sure there have been other stated cases that have been resolved in this way. I'm sure someone with a better knowledge of his type of problem will be along shortly to offer more help that I'm able to offer and correct me if I'm wrong.
falcon185 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 11:57   #4 (permalink)
falcon185
Gold Account Customer
 
falcon185's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2006
Posts: 603
falcon185 Novitiate
Default Re: Where does he stand, does she keep all or can he get some????

Found this....


addToAdArray('TopAdCenter ', 'AAMSZ=468x60'); Weather


News

Unmarried couples who live together must split assets if they break up, court rules

Last updated at 17:12pm on 24th April 2008 Comments (73)

A man was yesterday ordered to sell his home and give his ex-partner half the proceeds - even though they aren't married.


Carl Barron lived with Lynne Fowler for 17 years in the home where they raised their two children. But despite the fact that he paid for the mortgage, the Court of Appeal decided she is entitled to half of the £150,000 property.

The ruling could set a legal precedent that unmarried couples who live together and buy a home must split the proceeds equally.

However, other cases have directly contradicted this judgement. Government proposals on cohabiting couples, which are designed to address the issue of home ownership, were recently put on hold. Scroll down for more...
Equal share: The ruling could set a legal precedent that unmarried couples who live together and buy a home must split the proceeds equally


Retired firefighter Mr Barron and Miss Fowler, 43, moved into their house in Bognor Regis, Sussex in 1983, which they registered in both their names.
They were together for a total of 23 years during which time they had two children Nicholas , now 20, and Sarah, now 13.
In court it was agreed that Mr Barron had paid the deposit, the mortgage and the bills on the property out of his pension.
Miss Fowler, for her part, worked most of the time and spent her income on family holidays, food and looking after the children.
When the couple split in 2005 Mr Barron was declared the 'beneficial' owner in a county court ruling.
Yesterday, however, Lady Justice Arden, and two other Appeal Court judges, overturned that decision.
The judge said the joint name registry was a deliberate choice and it must be legally presumed that ownership was equal.
Justice Arden said: "I do not think that it is reasonable to infer that the parties intended that Miss Fowler should have no share of the house if the relationship broke down.
"That might leave Miss Fowler dependent on state benefits and housing for support."
A previous ruling at The House of Lords, however, came to the exact opposite conclusion.
In April last year five Law Lords ruled that a father of four was not entitled to half of the family home he had shared with his girlfriend of 20 years because she had contributed more money to buy it.
Plans for reform of the law for cohabiting couples was finalised last year by the Law Commission.
They suggested that the better-off partner of a live-in couple that splits up would pay compensation to the other if they have children.
A live-in partner would also be liable for compensation once the couple had lived together for more than two years.
The reforms are currently on hold while ministers investigate how much it will cost in legal aid. One in six couples living together are unmarried, 67 per cent more than ten years ago. This is expected to rise to one in four by 2031.
Share this article:
What is this?
__________________
Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.
everyone is entitled to MY opinion!
I offer my comments without prejudice or liability.
If you found my advice helpful, please click the scales at the top.
falcon185 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 12:10   #5 (permalink)
PriorityOne
Platinum Account Customer
 
PriorityOne's Avatar
Default Re: Where does he stand, does she keep all or can he get some????

Quote:
Originally Posted by aj101 View Post
Quick run down of the situation.

My dad lived with someone for 17.5 years, and has recently been, shall we say, right royally screwed over by her. She kicked him out with not much other than his vehicle, his tools and his clothes. Meanwhile she sits pretty in the house that he half built. If he contributed to structural improvements/alterations, then he has a claim. Yes..... although theoretically, it may amount to no more than a charge against the property until/unless she sells. He contributed £400 a month into the joint account, which he can prove via bank statements. I doubt that he can claim against this, as this would be perceived as payments for living costs, etc. He built an extension onto the house, and also did various other home improvements over the 17 years, This is what he needs to focus on, but he'll need to dig out ALL proof that he paid for this work himself. If these payments have come from the same joint account, then his chances of success will be weaker. leaving her now with a house that is more than likely worth more now than it was then. She own that house (sole ownership) but also 2 other properties which she rents out.
While she is living the effective high life, dad is having to stay with his sister as he quite simply, cannot afford to rent anywhere.

Does he have any rights whatsoever to at least a %age of the house value seeing as he was contributing to the finances doubtful... and also the work he did on the house over the years. Yes... He has been speaking to a solicitor who is quite literally useless at the minute, not all of them are good... but CAB may be able to refer you to one who knows something about this area. Alternatively, there are legal people on this site who can advise you for nothing. JonCris is a solicitor... if you PM him with the link to this thread, then he may be able to assist you. not giving any answers and that is when he can be bothered to get in touch. Is it worth him carrying on, or can she get away with leaving him with nothing?????

Thanks guys, if anyone knows the answer to this, then it will be you.

AJ
PriorityOne is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 12:20   #6 (permalink)
aj101
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 8
aj101 Novitiate
Default Re: Where does he stand, does she keep all or can he get some????

The £400 a month was for bills and food.
aj101 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 12:27   #7 (permalink)
raydetinu
Gold Account Customer
Default Re: Where does he stand, does she keep all or can he get some????

the upshot is he should seek legal advise, but that will not be cheap, unless he qualifies for aide.
raydetinu is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 12:30   #8 (permalink)
PriorityOne
Platinum Account Customer
 
PriorityOne's Avatar
Default Re: Where does he stand, does she keep all or can he get some????

Quote:
Originally Posted by aj101 View Post
The £400 a month was for bills and food.
This would probably be seen as normal living costs, but if he's got proof of paying the bills... it may be taken into account. The focus of any claim really needs to be the structural improvements to the property.

I had friends who touched on this scenario not so long ago. She had the house in her sole name and he paid for various extensions, a loft conversion, kitchen, bathroom... you name it. He kept all receipts and when they hit a rocky patch, went for legal advice and was told that he would have a claim if he decided to pursue it.

They've since "made up".... .... but he's obviously learned something from it because he's now on her deeds and papers have been signed giving him 60% of anything, should they split for good (silly girl, eh ?). Presumably, this was to make life much easier for him if they did.
__________________
Remember the mantra :
NEVER communicate by 'phone.
Send EVERYTHING by Recorded/Special Delivery
Keep a copy of EVERYTHING sent
Keep hold of EVERYTHING received

The following companies have all been sent packing in the past 18 months :

A & L PLC
A & L Finance Ltd
Global Debt Management Services Ltd
Shoosmiths (solicitors)
Fenton Cooper
Mack Hall
Moorcroft
HFC
Cabot
Barclaycard
Mercers
The Lewis Group
CL Finance....

Life is like a game of Chess.... watch the enemy, defend yourself against aggressive manouvres and when in doubt, move a pawn....

Last edited by PriorityOne; 5th May 2008 at 12:34.
PriorityOne is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 13:15   #9 (permalink)
Gogivit
Classic Account Customer
Default Re: Where does he stand, does she keep all or can he get some????

From my own experience-

1) He is entitled to a share of the property value! The monthly contribution of £400.00 is his contribition!

2) If he has lived in the house for more than six months-she has in fact no legal right to deny him access to his home! He should speak to a solicitor.

3) Any building work he has done that has increased the value of his home should be taken into account also!

The above comments are issues I dealt with 12 years ago so I know from back then dealing with my solicitor and my exes solicitor that they do stand as law. Were lived together and were not married!!!
Gogivit is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 13:32   #10 (permalink)
PriorityOne
Platinum Account Customer
 
PriorityOne's Avatar
Default Re: Where does he stand, does she keep all or can he get some????

I find the above 2 points difficult to accept as LAW.... since the contribution has nothing to do with the property itself.... and it's also solely in her name.

Can you give a few more details re. your own situation Gogivit ? Did you have joint ownership for example ?
PriorityOne is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 5th May 2008, 18:16   #11 (permalink)
JonCris
Platinum Account Customer
Default Re: Where does he stand, does she keep all or can he get some????

The OP's father should have his solicitor place caution on the property with the Land Registry post haste. This will mean that the current occupant will not be able to dispose of it until the matter is settled or with the other parties agreement.

Its not unusual for property to 'change' hands once it becomes the subject of litigation.

Before today & because of the former & quite recent HOL ruling I would have, in the absence of registration, said he was on a loser......However now as a result of this recent CA I think he may have a chance to recoup something.

Whilst the £400 is important in it's own right I agree with the poster who remarked that the building improvements are the most important factor in establishing an entitlement to some sort of financial compensation....that & the fact he's lived there for 17 years

As for the solicitor is he a Family Law Practitioner?? if not change him forthwith
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th May 2008, 20:02   #12 (permalink)
Gogivit
Classic Account Customer
Default Re: Where does he stand, does she keep all or can he get some????

Hello Priority one,

No I did not have joint ownership, but had lived at the property for several years. It was stated that although I did not own half a mortgage I did contribute to the bills.

Also the solicitor representing my ex admitted that I did not have to leave the property as I had lived there for a long period.

Many of you will be aware of homes sold but lodgers remain!

On that note my ex was happy to pay me off and me be on my merry way
Gogivit is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th May 2008, 22:12   #13 (permalink)
PriorityOne
Platinum Account Customer
 
PriorityOne's Avatar
Default Re: Where does he stand, does she keep all or can he get some????

Crikey !.... result !! Did you get a slice of the equity in the property... or was it just a stipulation that you didn't have to leave ? I assume your ex paid you to leave... otherwise you could have carried on staying ?
PriorityOne is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 8th May 2008, 18:34   #14 (permalink)
pugsley
Gold Account Customer
 
pugsley's Avatar
Default Re: Where does he stand, does she keep all or can he get some????

he is in a good position to get a share of the house, and needs to get legal advice asap

If his solicitor is no good he needs to get another one pronto.

alot of the information you need you can find in any recent family law textbook

example if married
As Peter owns the legal estate of the matrimonial home you as his wife have the right to occupy it. This right is not protected if the house is sold to a third party. You have a beneficial interest in the property as you have supported Peter in his business by answering the phones and doing bookkeeping and been a home carer for his children You have also acted to your detriment by funding holidays and doing DIY on the house plus spending £20k of your inheritance paying off joint debts and adding a conservatory to the house. Yet at this moment do not share the legal estate. By s30 of the Family Law Act 1996 the non-owning spouse is given matrimonial home rights in the home. As you are still in occupation of the home you have the right not to be evicted from your home without leave of the court.


These rights exist until the termination of the marriage decree absolute

You must if the house is unregistered register matrimonial home rights as either a land charge Class F (for unregistered land). If the land is registered then you need to submit a notice. To protect your interests, any future purchaser will be able to see you interest in the property and act accordingly.

In the case of Watchel 19731, it was stated that a wife should receive one third of joint earnings and assets. This has now been updated by a sophisticated principle known as “Net Effect Principle” see Stockford (1981)2.
__________________

Barclaycard
Student credit card £400 partial refund received,
S.A.R -

Pugsley v RBS credit card pre 21/09/06 S.A.R LBA sent- cca 17/03/088 no reply as yet, still chasing me for debt though

Pugsley v Abbey, S.A.R , preliminary letter sent 6th November


Open & Direct Finance
-
extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open

Pugsley v Littlwoods
,
have not received the signed credit agreement only quoting reg of 1983
Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement

Capital on
e MCOL Settled in full

Smile lba settled in full



advice is given informally and without liability and without prejudice.

Last edited by pugsley; 8th May 2008 at 18:44.
pugsley is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote