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    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
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Birmingham midshires repossession by TLT solicitors. **Cancelled**


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Hi friends.

 

I bought a 4 bedroom house many moons ago as I was due to get married.

With few personal tragedies I was unable to and now the house is too big and expensive for me.

As I have residential mortgage and with bad credit rating I can not and will not get good commercial or buy to let mortgage.

What I want is and was told I need permission from the mortgage company which is Birmingham Midshsires to let it out.

 

I have 3 months of arrears and arrangement in place.

What I really want is for 1 or 2 year renting permission so I can save the house and not have to sell it.

I do not want to let it out and go though legal issues.

 

Please advise on how I can ask, convince the mortgage company to give me permission.

 

Ali

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I do not wish to do business at all.

 

what i wish to do is let it out just for 1 year. which will help me clear the arrears and allow me to study IT without working. Work has dried up as Uber driver.

 

I need new car this and that. Everything has come to a head right now. That is all.

 

Can you or someone help me word the letter or phone conversation?

 

Ali

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We could do with some help from you.

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OP, you can rent to a lodger in your own home (provided you remain in perm occupation) and obtain max ~£7500 pa tax free (if you request it on your Annual Tax Return each year).

You will need to use a Lodger Agreement, not an AST.

Google Rent-a-room Scheme

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OP, you can rent to a lodger in your own home (provided you remain in perm occupation) and obtain max ~£7500 pa tax free (if you request it on your Annual Tax Return each year).

You will need to use a Lodger Agreement, not an AST.

Google Rent-a-room Scheme

 

I was also going to suggest that marnier..as the OP does not confirm what his alternative living would be.

 

Andy

We could do with some help from you.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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What is AST and i do need to speak with my mortgage company. i want there premssion as i want to rent out the whole house for about 2 years max. 1 year for sure.

 

There's a forum stikky with the lettings/freehold abbreviations.

 

HB

Illegitimi non carborundum

 

 

 

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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

If you want advice on your Topic please PM me a link to your thread

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there are a lot of things to consider before you let the house, what are you going to do a regarding your own accommodation, what will you do if the tenant turns out to be a wrong un, what is the local letting value and is this enough to pay the mortgage and provide an income?

 

What about all of the landlord necessities such as gas safety cert, deposit scheme etc? What about after a year or two, what are you going to do with the property, return to it or sell it? If the latter, what equity do you have to make the cost of selling and buying elsewhere possible?

 

As suggested, getting a lodger is a far easier option, event though the income will be less you wont have any problems associated with letting the house on a AST and no tax or insurance worries either.

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i think if i am helped with formulating a letter to the lender is the best.

 

i was going to sell the house but now with housing crash and the crash that's coming i am going to lose out. my mortgage is £600pm. Rent is close to £1800pm. So i win by renting it and clearing my arrears.

 

i will do all is necessary as for certs and insurance after talking with the council i aim to give to one of the orgs.

 

first issue is how to write or what to write to Birmingham midshires.

 

Ali

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If you're going to be a LL, surely you can write a simple letter to Lender asking for permission to Let the Property?

They may switch you to a more expensive B2L mortgage or grant permission for a limited period.

We don't have an magic letters though someone may offer advice on your attempt if you provide it first.

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  • dx100uk changed the title to Birmingham Midshsires Residential mortgage and NOW need to LET-
  • 1 year later...

Please help.

 

On 19th April I got a letter dated 23 February from the courts saying I have a repossession hearing on the 9th of may.

 

** THE POST CODE ON THE LETTER IS WRONG. POST CODE IS 8RX AND ON LETTER IT SAYS 8RW.

 

I have had zero communication from the bank, solicitors or courts other then a very late delivered letter.

 

I spoke to the bank, they said we sent you letters and called you. Which is false.

 

I asked the bank to contact the solicitors to sort this out and they said no, speak to them as they are now managing your account.

 

All I want to do is postpone the 9th May date or push it forward by 30 days.

 

In that time either I will have the funds to clear my arrears or have my taxi licence and can pay off arrears on an arrangement.

 

What I need help with is some legal jargen to use with them to persuade them of the above.

 

I need about 30 to 45 days.

 

Biggest shock is why would the letter be so late. And 0 communication from the solicitors.

 

Thank you in advance

Edited by philmycoke
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Can you scan up the court letter please.

The wrong postcode is of little importance 

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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why is no one replying or helping? did the merging of my post screw this up for me?

 

its been 2 days i still got the shakes.

 

why on earth is the letter so late, who pushed it in my mail box at 7am and why the solcitors not been in touch.

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why are they going for a repo ?

do you owe them money?

not been paying them?

yes the old thread is relevant history

 

no good simply saying help im being repo'd without the full back story on WHY....

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry was on a small screen unable to scroll.

so you have arrears - how much? and when was the last time you were upto date?

ie for how long have you been in arrears?

for how long have you been regularly paying them with no issues?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Now i understand.

 

i owe them £10k including all the bills.

 

this year i have not been paying and last few months of last year.

 

many things happens but most important was that my taxi license expired so there fore i had no money to pay them.

 

new license takes 4 to 6 months. so i am waiting for that.

 

like i said i need another 30 days from the 9th may hearing. that is all. i will pay of the arrears or have my license by then.

 

if i go the letter even in march i could of prepared and done what was necessary.  now i got 2 weeks. nothing i can do.

 

i cant understand why from feb to now there has been no communication. if the bank said thats it we going to lawyers or courts even then i could of explained something to them. maybe made the move on the funds overseas which i was saving to buy my own taxi.

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i think this is probably what you are on about in your round about way.

 

WWW.GOV.UK

Hundreds of thousands of people struggling with debt problems will be supported through a new debt respite scheme that launched today (4 May...

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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