Hi All! I wonder if anybody could advise me how i stand on this problem please! They resurfaced our road a few weeks back with the big heavy machinery like they use on motorways, conseqently they burst alot of the water pipes in the road about five in total, mine was about the worse the water was just gushing out and only a partial supply getting to the house, the waterboard put new plastic pipe in outside the house the next day, and when we turned on the water aload of dirt and sludge came out the main tap in the kitchen, and the other supplies would not work at all because they were blocked. I rang the waterboard and they said they would arrange for a plumber to call, but next day said they would not and i had to arrange myself and pay the bill, i was not happy because it was their very old pipes that had broken, they must have been near on 100 years old the workman showed me them. Still i had called a plumber at it cost over 600 pounds to unblock and get working, the WB said they would look at the plumbers report and let me know, they wrote back saying it was not our fault and my pipes were to blame and offered me 100 pounds only as a good will gesture. The contractors who did the road blame the WB because their pipes were so old, and also the council agree they were very old pipes. Anybody know if it would be possible for me to take the matter further say the small claims court and how i would fair, or has a similar type of situation occured to anybody else. Thanks for Any Help!

Hi! Remember you gave me this advise which was as follows. You mentioned, I think, that the land is unregistered. Definitely do not attempt first registration and the assent yourselves. Please take legal advice. However, for DIY conveyancing the forms you would then need are an FR1 (not an AP1) and a form DL plus fee etc. The property is registered in the names of the Executors who can then assent it to the intended beneficiaries. Solicitors will charge iro £300 plus VAT for first registrations. Pls get them to agree a fixed fee in advance. I rang the land registry and they said it is ok to do it yourself and easy if no morgage is involved, also on their advise form it says about stamp duty mayb involved. any idea how much this costs also what would their total costs be please, i forgot to ask and it takes ages to get thru sometimes. I have found a solicitor who would do the the lot for £450 inc vat, many charged more! this is for reg of land, plus to put the title deeds in my name, so would going direct be any cheaper please. Thanks for any Help!

Ok Thanks Alot My Friend!

Hi! Yes sorry it is for a credit card!

Hi All! i sent to these for the signed credit agreement with the fee a while back. They wrote back saying that as the agreement was made before the 19th May 1985, they do not need to provide one by law but will continue looking. They have now sent me a letter of default saying pay the overdue amount or we will pass this matter to our solicitors for court action. Surely they still need to come up with an agreement of some sort as proof of the debt, also sould they not have even got me to sign a new one when this new legislation came into being. Thanks for Any Help!

All Went Ok! Thanks for all the Help!! All the best, Paul.

Thanks William! yes we are getting it sorted well, i will keep that in mind though.

Ok Mozz1 Thanks Alot Again!!

Ok Great Thanks Alot!! the land is not registared btw! also i was going to do an equity realease to pay my sister her money.

Ok Thanks Alot Mozz1! Any ideas about the transfer costs please is it just a one of payment.

Ok Michael Thanks Alot Again! That site is Great, is that the only cost then the £90 grant if we do it ourselves, does it cover getting the new names put on the deeds as well btw, will their be any others costs please. I no nothing about this as you can see, i just asumed the things were just passed on thru the family. Like when my Father passed along time ago now. Thanks Again!! All the best, Paul.

Ok Thanks Alot!! One more question their is nothing involved other than the house and my sister just wants a certain amount money from me and then is happy, can we just go ahead and get a solicitor to change the names and no probate because both of us agree. Also if probate how much does it cost please, we want to do it ourselves as to keep the costs down also what is the best method. Thanks for any Help!

Hi All!! i would like to ask a question reguarding probate and the will being passed, say when interviewed and the house is mayb to be split 50/50 and both agreed that we want the house kept in family is that ok, or do they insist the house is sold and then money is then split 50/50. Thanks for any Help!

Ok i am with HSBC Bank! i will try online it will save me going down their. Thanks for Your Help!

Ok i Have not got an online banking system i only use credit card online btw.

Thanks for your reply! yes it is the later, but how do i cancel the DD online please.

I found this on the forum! does this means if i cancel my dd the fuel company will send me a bill each quarter, and it reads. Cancel the direct debit, and pay the actual amounts on the bills as they arrive. It is not up to the payee to dictate how much you'll pay them each month regardless of how much you owe them, which is precisely what you are allowing them to do. The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

Hi! We have been with a company for around two years now, when swaping it over i gave them a years reading from our old supplier, and it is still about the same amount used now which is a fairly low amount. They just sent to me and said they will be charging more than double the cost from now on, so i rang them and asked them why, they said i was a small amount overdrawn plus it was coming to the dear time. So i got a quote from another company giving them the current years useage figuare's, and it was the same as our old lower price with the present company, so now they are going to take the higher payment from my bank account soon because it takes awhile for the new company to change it over. I feel abit cheated by this given such a short time do anything about it, which is the best way to sort this out please. Thanks for any Help!

s Also dont they have to swear this to the court that they made every attempt to deliver it to you and you sign for it in person. Also in the insolvency act 1986 it as well states they have to prove the debt to the court as well for it to go ahead, surely they can only do that with an original signed credit agreement. This is just what i have read so not sure if is right or not, mayb someone who knows law well can comment on this.

I got one as well for a loan that is very old! i will send off a letter to inform them it is stat barred tomorrow, is it best to send it registered, i will give them a few days to get back if not i will get mine set aside as well. I wonder why they have gone mad like this, do you think they are beginning to struggle this could get them in a lot of bother with the courts.

Thanks again for the replies! but dont it have to be sent recorded or delivered by hand. Also to be official have a court stamp on it.

Ok Micheal! Thanks Alot!! I will read over the weekend, this one looks like it is just a mickey mouse one made up at their own company, which they send out alot not a proper solicitors one, anybody else had one of these btw.

Hi All! i have just recieved one of these from capquest, it is for a debt from the year 2000, i cant even recall it or have never admitted to it, was send by first class post this morning. Thanks for any Help!!

Thank You!! Gizmo111! You have been very helpful to me, i wish You All the best.

Thanks Again!! no i dont have a solicitor but i understand i get a copy and if i dont agree with any parts i can take or show it to one, is that right.