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Showing content with the highest reputation on 27/04/21 in all areas

  1. For once it looks like a well written story has appeared in the news about Simple Simon getting a good hiding in court. ‘We could have paid but it became a moral fight’ – Sheffield vet takes on city parking firm and wins | The Star Its refreshing to see a journalist do some research and not just blindly call the parking charges "FINES".
    3 points
  2. That’s very kind and yes I will certainly recommend you to anyone!! if I can be of help to anyone I would be pleased to assist..I have learned the hard way but been lucky..I hope if anybody reads my story hopefully it will make people think and do their homework like I should have done..better to be safe Great forum..you saved me!!
    2 points
  3. you are in scotland ...ignore them. no such thing as trespass no such thing as POFA2012. silly idea to appeal. but never mind. it cant hurt you that you now dobbed yourself in as the driver.
    1 point
  4. "It concluded: “Credit Suisse is confident Greensill can achieve a valuation in excess of US$30bn [£22bn] equity value.” Previous reports have suggested that Cameron was granted a stake of about 1% in Greensill for his advisory role, which implies the former prime minister could have been anticipating a windfall of around £200m at that time – assuming the Credit Suisse valuation was achieved." and if none of the others, read this at least - read them all to get a bigger picture - theres less than an hours slow reading, and probably only about 15-20 mins Even when the coll
    1 point
  5. Hi the Mortgage was in both parents names. I notified them that my dad had passed and mum had gone in to a nursing home for palliative care, so she will not be going back home. I have a year to sell the property with 3 monthly checks on progress
    1 point
  6. But you would NOT seem to be a self-entitled immature sociopathic bunny boiler, however hard you try to avoid being pinned down, Stop dodging Sandy, I've already said I would vote for Starmer, despite not being overly impressed. I have no doubts whatsoever Starmer would be a far better option than Johnson (or Gove, or Corbyn)
    1 point
  7. I'd probably go down in history as the UKs worst dictator since Henry VIII if I were So Sandy - you think that Johnson in power is as good/bad as any? Whys that then? I am of course looking to question and challenge that thinking ... but wont be as harsh as I often am
    1 point
  8. Someone has to run the country though, Sandy.
    1 point
  9. This is what I would do in your situation.....work out what must be paid priority. Get a folder for each of the others and maintain a paper trail....date you stopped payment...date you defaulted...retain a copy of the default notice which they must serve you. Try to print the last years statements for each account and retain in their file. Then send each creditor you have opted to stop payment a section 77/78 request (CCA request)...this is a legal request for each agreement that they must respond and comply with in 12 + 2 days...if they fail to reply they are in defau
    1 point
  10. Well the bottom line is how important is your clean credit file to you ? Because whatever you decide unless you maintain full payments on the debts you will be defaulted....whatever payment plan you agree. Andy
    1 point
  11. Hi. I'm sure the debt specialists will be along a bit later to advise and they'll know what to do. HB
    1 point
  12. I have followed this thread with deep sadness, but I am now delighted at the aparent outcome. Ellie, I have absolutely no connection with the CAG but once the car has proven itself satisfactory in use and you have a V5C 'log book' in your name, may I suggest a donation to CAG to help this valuable resource continue being available to us all.
    1 point
  13. Actually - it is a very generous donation. Thank you I'm sending you an email
    1 point
  14. 1 point
  15. hi Andy, thanks for the link, I now I hope have made a small donation Sandy
    1 point
  16. Click the please to the left of the button
    1 point
  17. HB none of the Politicians are worthy! maybe we should put TJ forward! lol
    1 point
  18. I've edited the language in Paul Waugh's first sentence slightly, TJ. Snowdragon, given that you don't like any politicians, who would you suggest? HB
    1 point
  19. Oh yes certainly I will.. You have all been so kind.. Keep up your remarkable work, we need you xx
    1 point
  20. @BankFodder actually that's great thinking yes I'll do that and yes I posted it out yesterday
    1 point
  21. In the unlikely event she won at court, you can still avoid a CCJ being registered against you by settling in full within 30, including court fees. This would avoid the CCJ showing on your credit files for 6 years.
    1 point
  22. Excellent news. So the thickos are left with a PoC where they are suing for Invoice A, invoice B, and, er, Invoice A again. Well done on cancelling mediation.
    1 point
  23. Absolutely....there are numerous details we are still not aware of....was it a joint mortgage....joint equity release plan..reading between the lines from the OPs post and I hope it is an error on behalf of the Equity Release Company...that Mother does not exist ? Im sure Father couldn't hide this fact...but Ive seen stranger things happen.
    1 point
  24. Hi everyone..just to let you know that miracles do happen.. Tim messaged this morning to say he will be bringing the car, did not believe it for a second, then a few hours later he delivered it!! So we have our car.. We have returned his 4 K so that is that..we cannot believe it, Tim was very apologetic Please I want to thank everyone for their invaluable advice, you have been so helpful, you will never know.. I will be ringing around tomorrow to tell all those I reported this too and s as Lao thank them. I know how lucky we have be
    1 point
  25. Although wouldn't that depend on the legal ownership status of the house Andy? If the house was jointly owned ('Joint Tenancy') by friend's father and mother, commonly the case with married couples, wouldn't friend's mother automatically have sole/100% ownership on death of friend's father? Hopefully OP can give us more information on this point as well.
    1 point
  26. I believe the Executor of the estate can deal with the sale....but a lot depends on who the policy is with, the T&Cs and what type of Equity Release plan (Joint Plan) ....which the OP is yet to advise. Andy
    1 point
  27. So what happens if the surviving plan holder goes into long term care and no longer has capacity to sell the house? If there's no POA is it Deputyship? Isn't that very expensive - and time consuming?
    1 point
  28. A General term on most of these polices...... If your friends father took equity release out with another co-owner, it works on a 'second death' basis. Meaning that the plan does not come to an end until the second owner passes away. You and your partner retain the right to live in the property until the last one of you dies or moves into long-term care. For plans held in joint names, when one partner dies, it would typically be the surviving plan holder who contacts the lender to let them know. However, you are free to ask another person to do this at this difficult time. The l
    1 point
  29. Good point. And also wouldn't the equity release company have to know that friend's mother has permanently moved out into long term care? So they'd have to know enough information to assess her medical condition wouldn't they? People can go into care temporarily until well enough to return home, eg if they've broken their leg. So who gave them information on her medical condition?
    1 point
  30. How does the Equity Release company know that your friend's mother is not living in the house? As others have asked, what do the T&Cs of the equity release document say?
    1 point
  31. Homer, can you get hold of a scan of the equity release policy document please? As you say, the clue could be in there. I hope it's easy to obtain. HB
    1 point
  32. I've no experience with equity release but have had some dealings with Power of Attorney (PoA). The solicitor is correct that friend's mother can only grant PoA while she still has mental capacity. As it seems that friend's mother no longer has mental capacity a PoA is not possible. And obviously the Executor has no role in this because the mother is still alive. I'm surprised solicitor didn't explain what the alternative is, applying to the courts for a Deputyship. Read up on that here Deputies: make decisions for someone who lacks capacity - GOV.UK (www.gov.uk) Then
    1 point
  33. ANPR, Planning permission. - Private Land Parking Enforcement - Consumer Action Group from post 9
    1 point
  34. not able to reply as waiting for a call back from 111 service, sorry, still suffering with side effects of the Oxford jab, hope I do not have go back in hospital Sandy
    0 points
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