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katykatz

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  1. Hi Mariner51, Thank you for your advice as above. As I did explain to Dotty50, i only offered advice where I had believed I had something to offer. I did do my research before actually sending my advice in the the forum and the thread as above ref: Evicted for keeping a cat. I did actually obtain confirmation of details I gave from www.propertyinvestmentproject.co.uk under the heading: "Landlord's right to entry" and from Hounslow City Council and have copied and pasted here (below): "How do landlords get access to the property? It is the tenant’s right not to be disturbed or harassed while living in the property. Landlords are not entitled to enter the tenant’s living area without permission as they have the right to use the property as their home. Where necessary, landlords can get access to inspect the condition of the property. A convenient time should be agreed with the tenant, or landlords may write to the tenant giving at least 24 hours’ notice. Landlords cannot let themselves into the property without first giving this prior notice. If the tenant refuses to let the landlord in, the landlord cannot force entry unless there is a fire or flood. If the tenant changes the lock, landlords are not entitled to a key unless it says so in the contract. If you do change the landlords locks it is advisable to preserve the fixtures and fittings. However, the tenant should not unreasonably withhold access, and if he or she does, the landlord can apply to the county court for an injunction. If the house is in multiple occupation, landlords are entitled to use a key to enter the shared areas of the property." I am most sorry for upsetting your loyal, hardworking and very respected pool of advisers at Consumer action group, I only offered my advice to the person with the thread 'Being evicted for keeping a cat' as I thought I had something to give back to the forum. I have received such an excellent standard of advice from the forum on various problems I have had and they have been the only source of advice I found helpful and appreciated their help so much that when I saw a subject where I did think I could offer some advice I attemped to do so. From the many emails I have received from the group with various criticisms regarding my advice, I shall stand back and refrain from trying to offer advice as I obviously have been more trouble to the exceptional service that this website provides. I am sorry if I caused offence to your contributors and do not want to take up the time and energy that people who are asking for advice. Kind Regards, katykatz
  2. Hi Stu007, Yes, sorry for causing some confusion-but could not quite get my first message offering advice right. I had attempted to quote a particular sentence of someone's thread to include in my message of advice but accidentally finished up with using their entire message. Hopefully, I shall improve if I can offer help in the future. As I explained to Dotty50 I am so grateful to this website, as I have received so much help in the past where nowhere else could help. And the mainstays of this forum have my total respect for their dedication and upkeep of this brilliant service. I take your advice with thanks and hopefully will improve the way I input a reply to a thread in the future and then will not use up contributor's time and energy trying to get me on the right path when I offer advice. Thanks to you all, katykatz ps. just hope I have posted this correctly:oops:
  3. Dotty50, I appreciate your advice and thank you! I shall, in future, try to abide by the rules and put my advice down in paragraphs. I do apologise for not doing this in my contribution(which was my first). In spite of my failure to do so, I hope that it still conveyed my message easily to the writer of 'Being evicted for keeping a cat..' If I can offer any help in the future I shall be sure to 'paragraph'....and to think, my English language, (grammar, spelling etc) was at one time, quite reasonable...think I have spent too much time tx-ing..er sorry...texting on my mobile! Cheers Dotty50, katykatz
  4. Dotty50 Please check out this site Landlord Property Investment and "Landlords Right of Entry". Here as well as other reputable sites it states: "It is in fact Illegal for a Landlord to enter his/her property without agreement from the tenant" And Office of Fair Trading doc.356 Reads "3.32 We would object to a provision giving the landlord an excessive right the rented property. Under any kind of lease or tenancy a Landlord is required by common law to allow his tenants 'Exclusive possession' and 'Quiet enjoyment' of the premises during the tenancy. In other words, tenants must be free from unwarranted intrusion by anyone including the landlord. Landlords are unfairly disregarding that basic obligation if they reserve a right to enter the property without giving reasonable notice or getting the tenant's consent except for good reason" The website (for landlord property investment) also says "Irrespective of what may be written in the agreed contract between Landlord and Tenant for e.g.a clause that states 'the landlord is allowed to enter the property without permission' The law will ultimately overrule the clause. Not even a contract will help a Landlord if s/he steps into the property thinking they can do so because of what is agreed in the contract" I wanted to answer this person's request for help because it is an area of law that I have had and am having a lot of concern with. I would NOT attempt to answer a query without having all my facts up-to-date and correct. Also, I have received such tremendous help in the past from this forum and I think from you personally, that I feel that if I can help anyone in any small way then I am paying back a little towards a massive amount of support I have received from you and other caggers. I am sorry, if I did not follow rules that I did not know of or that I am not entitled to share my knowledge without perhaps registering as a contributor or other kind of membership
  5. katykatz

    Guarantor

    My nephew acted as guarantor for his girlfriend when she got a loan from Black Horse. They were both in steady, full time jobs at the time. Some time later my nephew's partner became very ill and eventually lost her job, because of this, some re-payments for the loan were missed and then bills and things got more and more on top of them. My nephew and partner finally went to the Law Centre to ask for advice...I do not know exactly how the arrangement was made but it was agreed that his partner would pay £10 each month DD to Blackhorse and she has continued to make them regularly (though she had some problems in first few months). When my nephew recently asked for a copy of his credit report (He has NEVER had any debt on his own behalf,never bought anything but his cars on HP and never missed or delayed payment) But he has a DEFAULT on his file, which is for the Black Horse Loan that he guaranteed. They have also sent him letters demanding repayment of the loan and interest. Fair enough as a guarantor, he probably is liable -but if Black Horse has made an agreement with his partner via The Law Centre and is accepting, though, grudgingly, the payments made monthly by DD then why does my nephew have to have the Default on his file.or the regular demands from Black Horse to pay for loan (and in full). He works full time in low-paid job, he is funding his college course for Accountancy and has applied to volunteer for Credit Union post-which has been held up because of the DEFAULT on his credit file. His partner has not asked for copy of her credit file, though obviously she would have the same Default notice on hers. I just do not know how the loan which his partner took out and for which he guaranteed, should show up as Default on my nepwhew's credit file, specially as regular payments are made (which of course, she will increase, once she is back in employment. Any advice please, as I am totally ignorant of anything "financial". Many thanks in anticipation, katykatz:???:
  6. Thanks for the advice re: Impaired Annuity, Dotty50, I shall make a note of it now katykatz
  7. Great idea (about asking my name to go on their system,as authorised person on my brother's behalf) I shall put a letter together for Royal Liver asking for policy details and will include a letter signed by my brother authorising me to act on his behalf. Shall get back in touch when I have this-and thanks for clarifying this for me-as I did not know where to start. Thanks again for yours and Honeybee13's time and advice. Sincerely, katykatz
  8. Sorry HB, Its just something that Dotty50 advised that I might try alerting the site team to see if I can be directed to more help-though I must say-I have received tremendous help and advice here both from Dotty50 and you Honeybee-thanks a lot to you both!
  9. Hi HB, Many thanks for your time and help. The only Financial advice my brother received (last year, as it was free) :was to ask the company (Royal Liver) for my brother to cash-in part of his pension under the "triviality clause" as he had recently suffered a stroke and then another unknown brain trauma and because of these health problems, he could apply to cash-in part of pension through "triviality". Appreciate your time with this problem Honeybee13-thanks Katykatz
  10. Hi Dotty50, Thanks very much for all your time and help with this pension situation-really appreciate this. My brother took this pension out I beleive, in 1983/4. He did not get independant financial advice at the time, it was just that the company he worked for Arjo-Wiggins, were offering it to its employees-most of whom did take up the offer. Un-fortunately, I am disadvantaged on many counts here-1. My brother does not have the original policy details 2. His ex-girlfriend burned all his possessions (including papers relating to his pension) in an 'amicable' break-up a couple of years ago and 3. I totally do not know what I am doing-as Financial matters are foriegn to me-so all in all...my brother has more hope of winning the lottery that he does'nt even participate in- than me sorting this out. What I will do now tho' is contact Royal Liver as you advised and ask for a copy of his pension policy. I do have trouble negotiating this site,as excellent and really helpful as it is, so please could you let me know how I go about contacting the site team? Thanks Again thanks Dotty50 for your considerate and helpful advice katykatz
  11. Re: My brother's pension query-thanks everyone who has given advice. My brother's pension details: the policy justs states that it is a "Personal Pension" and when we asked Royal Liver via Finacial Adviser (who gave this help with no charge) for a "Triviality Form" due to my brother's ill-health Royal Liver advised that they were unable to provide this form as the minimum age for triviality was 60 years-this was in October 2010. Thanks
  12. Dotty50, Thanks very much for your advice and your time to respond to my query about my brother's pension. I think that I did contact the company Royal Liver who holds his policy-but they had said that my brother had opted to have his pension in 2020 and therrefore he could not taken any part of it until then. I only asked them on my brother's behalf because of the government ruling that opened up the option for people of 55 years cashing in part of pension. But, I believe the government has now withdrawn this option. Though, I thought that some companies would "allow" pension policy holders to cash in at 55 years and not sure how my brother would go about transferring his policy from Royal Liver-an IFA explained that the costs of doing this would be too high for the amount of money my brother has. I should have added this in my original query-but I had lost some of the papers and wrote in as my brother had been asking me to, without the full details, for that I apologise. Thanks again, katykatz
  13. Please can someone advise me? My brother is 55 years old and has a personal pension policy, which is currently worth around £10,000. He is long-term disabled and in receipt of DSS bens. i.e.Income support,Disability Living Allowance. He is looking for advice on cashing in part of this pension-but cannot find help locally and do not know Who can assist. Please can anyone offer any advice on who we should contact? We have tried the company who holds his policy and and a number of Independant financial Advisers but none have been able to give assistance. Many thanks, katykatz:confused:
  14. Re Capquest default account on my credit file. Thanks again for everyone who responded to my entry as above. I took some of that advice and using the template given on this site as a guide-I wrote again to Capquest but this time it was a 'formal complaint' and Capquest actually wrote to me apologising for the situation and agreeing to contact all of the C.R.A.s to have the "Default" removed from my credit files and that it was an error and that the account will then be closed permanently. I am just so relieved this has now been cleared and that I have my clean credit files back. Capquest has informed me that they have now removed the default and I need to contact CallCredit and Equifax to ensure that those files are clear too. Thanks to this excellent site with it's really helpful and kind members! Cheers, Katykatz:D
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