thanks Andy

Well, interesting development - when the Solicitors submitted the case again back in Sept 2022 they entered it for an 'expedite'. This was actually accepted by the LR people so initiates a guaranteed processing time of 10 days, apparently. This was, of course, far exceeded, so a snotty letter has been sent reminding them of what they are committed to and the case has now been processed, done and dusted. We just got the good news

Hi all, (please move if not the right section for this) Summary: Current house was purchased in Sept 2020, but the change has not been filed with the Land Registry. As above, we moved into our current house in Sept 2020, and tabled a remortage to secure a better 5-year fixed rate for 18-months after, when we saw how the economy was going. The money for this was secured (booked) 3-4 months ago and will expire early Jan 2023 if we don't progress the option. The paper work has all been filed over the last couple of months to progress this, but we have come up against a snag - the Land Registry does not show we are the current owners, but the propertty IS registered - so the mortgage company have put things on hold. It appears the paperwork was never submitted to the LR by our Solicitors we used to carry out the conveyancing of the sale of the house. We have approached them (the Solicitors) to correct, and they have admitted this is the case (something to do with a person leaving bla bla), but that the documents were '...originally submitted in 2020 but were incorrect, resulting in pushback from the LR that wasn't answered for 2 years...', and that they will resubmit for us. Sounds like Bull to be honest. Today, having contacted the Land Registry directly they have confirmed that they cannot see a submission from 2020, but can see one from Sept 2022... which is just sitting in the queue. Timeline for processing is around 6 months at the moment. We will see if we can push this independently, but we have no way of knowing if this has been submitted 'correctly'. Clearly, we are worried that: a) our immediate financial outlay will substantially increase (roughly £800 a month to give you an idea) if this does not go through prudently. b) we may lose the fixed rate we secured, and be subject to the current market conditions, leading to a long-term increase in financial outlay. We physically have the deeds - I believe the originals - as property established in 1955 upon creation of a new road in Richmond Upon Thames. So, what I would like advice on is: 1. what should our next steps be..? Clearly, the most hopeful course of action would be for the ex-solicitors to have submitted the change correctly and the application go through cleanly (property is already registered), leading to use being able to complete the remortgage shortly. But if not..? How do we keep the pressure on..? 2. do we have any financial recourse due to the Solicitor's apparently ineptitude, for either the potential increase in outlay, or the emotional stress, or the time wasted on our behalf etc ..? 3. can me make the Solicitors hurt long term in any way - Ombudsmen etc... so that then get the message to be better in the future...? I am aware that Solicitors operate in a highly technical regulated environment, so this kind of administrative sloppiness should not go un-noticed. Both of us are successful career professionals in our respective fields of operation, and expect to get what we pay for - 100%. We have never tolerated professional incompetence. If there is the opportunity, at what point should we do this ^^ - obviously trying not to impact (1) 4. Are there any documents that we can present in lieu of the Land Register to the remortgage company that they should 'accept' as satisfactory proof of ownership. Thanks in advance. Sure I've missed some vital piece of info, so just ask if anything needs clarification. Rich

Hi all, firstly I'm posting on behalf of my step son & GF, as they are unsure of how to respond to/progress with their currently situation. Background BF / GF living with GF's parents. GF becomes pregnant. Both 'kicked out' - asked to find alternative accommodation. Accepted as 'Homeless' by the Local Authority, and that they have a 'priority need'. Currently in emergency Council-owned accommodation (pretty decent actually) in the centre of town. GF doesn't drive, BF has small mbike only. BF employed locally. GF was in college locally before pregnancy but now not. They have made applications to the Local Authority allocation scheme for housing, placed an interest bid on a property they were matched with, within the local area. Upon visiting, found it in poor condition, at the far end of a maze-type newish estate, and around 1.5 miles outside of the town centre. Please see attached the Local Authority letter, informing them that if they reject this property then the Council will discharge their obligation to house them. Since this letter has been received there has been a significant change of circumstances - BIRTH. GF has giving birth at 27 weeks ! A lovely baby girl, who is doing really well - as is mum GF & daughter are in a NICU approx 90 mins away from home town and will be for a substantial length of time. Clearly there will be a significantly increased requirement for local hospital interaction in the short term. Issue: BF & GF want to reject the visited property, but are worried the Council will them wash its hands of their housing requirement. Their reasoning is mainly that the location will leave GF isolated from amenities and her support network. Clearly the latter is now more important than it was at the start of the application, due to the significant change in circumstances. So, how do they proceed...? I'm presuming they should write to the Housing Advice and Homeless Manager specified on the attached letter, but what should they say..? Is there something standard available, or should they just blurt it all out and hope for the best..? Can the Local Authority really remove them from their care following such a change in circumstances....? Look forward to your comments... CLST1 2018-06-05.pdf

OK I appreciate I'm quite late to the event, but I had opportunity to dig out all my old credit card statements yesterday, and it set me thinking about PPI. I cannot honestly remember EVER being sold PPI, and I'm pretty sure I would have turned it down if it was offered. I can't see any reference to PPI on any of my statements - no 2nd charges, no 2nd interest statements etc. How else would I know if I have it...? Yes I appreciate this may be a totally stupid question haha. Do I have to put in what may be a speculative claim anyway...? Cheers for your kind assistance. R.

Just dug out the original paperwork from the loft. My error - the job cost twice as much as I was thinking, as I had some extra work done on top. So the 3 payments were 50% deposit, final payment, and then and extra final payment in error, which was refunded. Cheers for the assistance and sorry for wasting your time.

It's just over 2 grand from memory..... Personally, I can't believe I didn't notice it at the time !!! Looking at the statements there were shed loads of transactions though - I was putting between 4 & 10 grand on the credit card every month - and the multiple charging covered 2 statements periods (just).

10 years ago I upgraded my kitchen, and purchased some granite work surfaces. Due to other issues I was going through my credit card statements back from 2004 and noticed the transaction as it was substantial. I had forgotten about it but I noticed they had taken the payment out 3 times, which rang certain memory bells in my head ! I checked through more statement, saw a refund once, but not twice !!! It's all there in the statements obviously, can't be argued with So, as the company is still trading, although it's a franchise model, and I'm fairly sure I was dealing with them before franchises became prolific, do I have any legal standing to recover monies...? Is the burden of proof on me to show without a doubt that they didn't refund a 2nd time, or is the burden of proof on them to show they did...? Cheers Rich.

Did some calcs from my statements and on one of the cards they had over £300k going through the account over the last 10 years.

Plead to MBNA not to default and sell on the account, but rather give me 6 months for my situation to improve so that I can start making amends.

Thanks all. Do you still think it's worth trying to get a £1 agreement...? Can it hurt in any way...? Is there anything I SHOULDN'T say in my pleading letter....?

Will look up CCA. You mean for the original signed agreements IIRC...?

Never seen any on any statements, so not pursued it. Digging them out later anyway, so will double check.

Additions: I will dig out all my old bills and calculate exactly how much money has gone though MBNA on these 2 accounts, and throw that in to the pleading letter. At one time I was putting 3-4K a month n these and paying it off every month. Should I mention the orgins of these accounts do you think...? One was a N&P building society card, that I got because it was the first to offer a photocard option. I am unsure how many companies it went though before it got to MBNA but I'm sure Abbey National was involved somewhere. The other was a Homebase credit card they used to give vouchers depending on spend levels. This was sold to MBNA at some point along the line. Do you think they will actually have the original signed agreements....? Does it make a difference if they don't...?

Hi, hope this is in the right place It is with some sadness that I feel the need to post here. I don't like debt (who does!) but circumstances over the last year have come to a point where my credit card debts have built so that I have been unable to cover the minimum. ...and I now am in desparate need of help before things get really serious. So, details: MBNA 1: £19k owing - no payments for 5 or 6 months MBNA 2: £5k owing - no payments for 4 or 5 months A few months ago after being hounded with phone calls I did a family budget statement for them, along with a request to suspend charges, and they responded by actually freezing the charges. They also concluded that I could not afford a formal payment plan. As I have been unable to secure significant employment we moved out of our previous rented property to find cheaper accomodation, so I am currently looking closer to home for employment. I hope to secure this over the next 3 months, and then want to attempt to replay some of this debt, rather than going bankrupt. Notice: "to remedy your breach we must receive payment of £2,800 (ish) by 20th Dec 2014. If the action required by this notice is take before the date shown no further enforcement action will be taken in respect of this breach. If you do not take the action required by this notice before the date shown then the further action set out below may be taken against you. On or after the date shown, your account will be closed, your credit agreement terminated and we may sell your debt to a third party company which may decide to bring court proceedings to recover the amount owed by you under the agreement. If we terminate the agreement your full balance will become payable immediately" I am unable to pay this, as all finances MUST be diverted to rent/council tax etc. So, what to do...? My first instinct is do offer a £1 per month agreement via a pleading letter, indicating that I want to repay this when my circumstances improve - say in 6 months time. Surely it has to be in the best interests of both parties not to escalate this right...? I must have run well over £150k through them since having these cards, so they must think twice about it hopefully. I'm going to give them a new budget planner statement for the new address too, as they don't know about that yet. 'll respond to them tomorrow via their digital portal as time is short ! Am I on the right track...? Please help !! Cheers