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    • https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/#comment-5145126  
    • Quick update. I've now recieved a letter before action from them with a PAP form to return enclosed, still no credit agreement however. I assume just a case of following the PAP thread and returning form with no CCA as the reason?
    • Thanks for coming back and letting us know. Obviously we totally disagree with their decision.  Their remortgaging could only have gone wrong if they had ended up with a CCJ.  And how do you get a CCJ?  If you lose in court and then defy the court and don't pay.  Even if you lose in court, you don't get a CCJ as long as you pay within the 30 days ordered by the court.  Even had they lost in court the judge would have disallowed the interest and the £70 Unicorn Food Tax that PE made up.  There was no advantage whatsoever for giving in and paying now. But thanks to you for letting us know - a hell of a lot of users don't.
    • Hi everyone.   Before I say anything, TFL finally responded to the email I sent last week:   Thank you for your email, we acknowledge the signed documents you have returned in preparation for your hearing.   We note that this matter is causing you some stress and anxiety, however this is not a reason for TfL to discontinue proceedings. It is not unusual for passengers that have been summonsed to court to experience these symptoms, and we do have some empathy with your concerns.   However, as previously stated, TfL do not accept out of court settlements, and you will have the opportunity at your hearing, to provide your mitigation to the court prior to a decision being reached by them on how they intend to deal with this matter (usually a fine).   I am sorry that this decision is not more favourable.   Yours sincerely   James Vallis     At least he sounds more sympathetic in this email…   Only one week to go until the court hearing and I am so so nervous. I’ve prepared some questions and answers in preparation for what to say to the magistrate. It will help calm me down if I know roughly what to expect. If you could give feedback on it that would be great. If you have anything to add please do let me know.   As far as I know the court hearing will happen in these stages: Introduction and statement of facts Pleading guilty for the journeys I made with my mother’s card Penalty sentencing Appeal (if charged with a criminal record)   Am I guilty? Yes.   Why did I not pay the fare legally? Last year there was a lot going on in my life and I was struggling financially so to relieve some of this I used my mother’s Oyster card. I know it’s not an excuse and it’s still wrong.   Why do I not accept a criminal record? I really don’t want it to affect my chances of finding a job in the future. I will be the one earning money in my family so I am doing my best and studying hard to be able to get a good job. A criminal record would mean that regardless of how hard I’m working I won’t get the job I want after I graduate. This fills me with so much regret, sadness and disappointment in myself. I just want to be a good daughter for my mother because she’s already had to deal with many hardships in her life and I don’t want to make it any harder for her.
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land registry deeds


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hello to the forum, I'm wanting some advice/help. the story is that me and a sibling was left property in a relatives will, but my sibling is the only name gone on to the land registry as i was told it wasn't an issue if only one name was registered, my concern now is by law were does this leave me if me and my sibling have a fall out, I'm named in the will but could he sell with out my permission thanks in advance.

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Hi and Welcome to CAG

 

Why have you not added your name ? was a solicitor involved ?

 

Was there terms in the will that provided for only your siblings name to be entered ?

 

How old are you ?

 

Andy

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there was nothing in the will that stated anything about name/names on the land registry only that the estate was to be shared 50/50. i think i convinced myself that it didn't matter whose name was on the L/R as im his next of kin so it would go back to me anyway thats my way of thinking.

no solicitor involved and im late 40,s.

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I fear that your sibling could sell the property at any time and keep all of the proceeds. If he were to die, then the property in its entirety would form part of his estate to be distributed in accordance with his will (assuming he has one). In either case, you could be left having to resort to some very expensive legal action to reclaim your inheritance.

 

Likewise, should you predecease your sibling, the property would not form part of your estate if your name does not appear on the LR paperwork.

 

I think you need to take some proper, qualified legal advice and get this matter resolved. Who was the executor ?

It may be possible that you could hold the executor liable for any costs and/or losses regarding their lack of foresight.

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hi mr p. thanks for that, we were both executors, had i know before hand i would have insisted my name went on as-well, i must sound a right muppet to let this happen, on the other hand if he does do a will and leaves me his estate is that everything back to me. apart from him been able to sell it and keep all proceeds..

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we were both executors, had i know before hand i would have insisted my name went on as-well, i must sound a right muppet to let this happen

 

We all do things that we may later regret. When dealing with a family estate, there is the additional burden of not wanting to cause more upset and grief. So a "muppet", no. Ill informed, perhaps.

 

If the relationship with your sibling is still good, I'd suggest going back to him, discuss your reservations and get your name added as a tenant in common. Doing so would protect both your and his interests and still allow you to leave your share to whom ever you wanted. Relying on somebody else's will to "do the right thing" is not a good idea. Wills can be changed on a whim or revoked for a number of reasons.

 

Other scenarios that could see you lose out are: If he is forced in to self funded care. Is subjected to divorce proceedings. Is made bankrupt.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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