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  1. He last used the account about 15 years ago when he married and they opened a joint account with another bank.
  2. My son-in-law had a letter from Global debt recovery demanding £587.33 for an overdrawn account 15 years ago, if it is settled by 5th May they will except £117.47. The overdrawn amount is less than £1. Is this statute barred, if so what can I do? Any advice would be appreciated. Trevo33
  3. I decided to get Sky freesat for my touring caravan. I have all the necessary equipment, dish, sky+ box etc so I ordered a Freesat card from Sky cost £25. I had problems setting up the card so I called sky help, after a long heated conversation it turns out that, with the new "SKY CARD", you cannot receive any SKY channels. I was not happy. Surely this cannot be right. It seems they are charging for a service that they do not supply. Any thoughts.
  4. Yes, I know how we should have done it, but this leaves us with this situation. (If we had hindsight)
  5. I paid CASH for the boiler and the Landlord is paying ME back with a monthly payment albeit by ME not paying the full rent. You do misunderstand the situation.
  6. Thanks for the argument. I am still trying to find someone to give me exact advice, which is proving difficult.
  7. Thank you all for your posts on this, I guess that I will need to have a discussion with the LL to see what to do, thanks again.
  8. What you are saying then is, if I paid 6 months rent in advance and the landlord then agreed to reduce the rent for say the next year for me to "use up" the advanced payment, that is ok?
  9. Why do you think I have been paying less rent, the cash plus the monthly portion of the boiler still adds up to the full monthly rent for which I am entitled to HB. If I had paid cash up front instead of purchasing the boiler would the same argument hold?
  10. The LA did an assessment which included bank statements and all other income and outgoings. The bank statement shows the monthly rent payments (at the reduced rate). The LA wanted to know why the rent was reduced so I provided copies of the agreement with the LL. Not all tenants treat the LL as an enemy, we have been on excellent terms since we started and we agreed that a new boiler was necessary. We agreed that I would pay for the boiler and he would reduce the rent to pay me back, this suited both of us.
  11. Thankyou, this is the point that I have tried to get over, in theory I have paid 2 years rent up front even though no money has changed hands. I have already been in touch with shelter but they were unsure as to the best thing to do even after about 50 mins on the phone. The rent agreement states that I should pay £x per month and the reduced rent was only a personal agreement between myself and the LL.
  12. We were getting housing benefit on the normal rent. I paid for the boiler and the landlord agreed to reduce the rent so that I could recoup the cost. In theory I paid the boiler value in rent up front so I don't see why the council think that my rent has been reduced.
  13. Hi all, its been awhile since I last needed your help but here goes.. ..I am a private tenant and back in February the boiler in my property became very poorly. I contacted the landlord to arrange a replacement. We came to an agreement for me to pay for the new boiler and installation and for the rent to be reduced over a two year period for me to recover the cost. All was going well until recently. We receive Housing Benefit and recently the local council decided to do a financial assessment and needed to know why the rent had been reduced. I sent them all the paperwork including the agreement with my landlord and explained why the rent was reduced and for how long. The council took this as the rent that I now pay and reduced the housing benefit accordingly. They also now want me to pay back the overpayment back to February, even if the landlord now puts the rent back to the original payment the council want proof that the boiler has been paid for, this leaves me out of pocket. Has anyone any idea where I go from here. Trevor
  14. Thanks for the posts. Unfortunately it was too late for power of attorney before aunty went into care but have been handling her finances for a few years. There is no one living in the house at present. Is there any time scale in applying for probate? Trevor33
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