This is referring to the distinction between legal/beneficial ownership. You can find information on the subject online. In essence, the legal owner is the person who is the registered owner of a piece of property. The beneficial owner is the 'real' owner who is entitled to the property. The legal owner of a property is the trustee. The beneficial/equitable owner is the beneficiary. This is a concept which applies across the law - for example, when someone dies the executor is the trustee and the persons due to inherit in the will are the beneficiaries. Another example - when you buy a house and send the money to a solicitor, the solic

Hi Just following on from dx Stepchange are a charity and will not charge you for a Debt Management Plan They are basically funded by the creditors and receive a percentage contribution from them in relation to payments you make towards your Debt Management Plan but the main point is that the amount you pay in will all go towards paying off your debts. There has been the age old debate on impartiality where Stepchange are concerned however they are a genuine charity that do not charge you for a DMP. There is also a fair bit of discussion around on expenditure allowance figures The main point is that with a Debt M

The current DCA. You could send one to myjar, but from your info they sold it long ago. It's worth a shot. COmplaint to myjar and complaint to the company chasing you.

Hi Anti Welcome to CAG It's good that you have a recording of the mis-selling. You've lodged a complaint with the service provider and waiting for their response. It is quite early to expect a response. Once they've responded and if your still not happy, ask for a deadlock letter. Then complain to the Alternative Dispute Resolution (ADR) scheme. http://consumers.ofcom.org.uk/complain/phone-and-broadband-complaints/sales/ Let us know what they say.

JS28 is for those who are ill. Not for those who can't be bothered to turn up to MWA.

I didn't know that there was a fee for a counterclaim. If there is a fee – then forget the counterclaim just put in the defence – unless you want to make your own claim against them. I suggest that you at least put in a defence in order to cover yourself because you can't rely on these companies to do what they say they going to do. If you end up getting a default judgement despite their letter then it will take a load of time and trouble trying to undo it.