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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Remortgage survey valuation after knocking through 3 bedrooms to 2 query


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Hi again all, we need to remortgage to switch over from an interest only to repayment mortgage. We have a three bedroom semi and last year knocked through between the front and back bedrooms. We didn't remove the entire wall, just put in an RSJ and created a gap the size of a pair of standard doors.

 

We did this as we don't plan to sell but completely forgetting that we would need to remortgage. However, the connecting door from each room to the hall is still there.

 

As we're looking at an 82% LTV, it's likely that the surveyor will actually visit. Will the surveyor class this as a two bedroomed house now or is the fact there is still a connecting door from each room to the hall, and a section of wall on either side of the new gap, mean the rooms can still be classed as separate?

 

We don't want to risk waiting for the survey and the house being classed as a two bedroom. If we know that is likely, then we could fill the gap by connecting the two rooms with a set of double doors prior to survey.

 

Would this be enough of a divide? Or would we have to fill the gap with a stud wall? Or can we just leave it as it is?

 

All advice welcome, thank you! :)

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I doubt if they care one jot as long as the value of the property covers the mortgage on a bad day and is of sound construction.

 

I've heard that mortgage lenders are prone to valuing properties at below asking price though and this just gives them an extra excuse as far as I can see. If they knock 20k off the value because they now class it as a two bed property then we're up to a whacking great 91% LTV and bosh, straight onto a higher interest rate. :/

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