In short yes . . . but if you are joint owners the good news is you will recieve half of the sale of the house as only your husband went bankrupt and the Official Reciever only has title on half the house. In theory you will become liable for the whole of the second mortage but what you recieve from the sale of the house could possibly cover this. I am 100% sure about you becoming liable for the second mortage but the rest of this post is purely a theory but it may be worth running it by CAB and im sure a CAGer will soon correct me if my theory is flawed. anyway i wish you all the best and try not let this horrible situation spoil your christmas. Good Luck Chris

Hello bookworm, Fair comment, by the way the above post was turned into a thread by cag managment - my bad - i hijacked someone elses thread, opps. As you will probably guess, the thread was about "crazy builders" and my reply turned into a question.

Just a quick question, Is a quote the same as a estimate? i.e an estimate can be subject to change at the end of the job, where as a quote is fixed:confused: also if a quote is fixed, what happens if the builder experiences problems during the course of the build that will increase the price? are you expected to cover these costs or should the builder have had the experience to forsee the problem. I am in the electrical trade an i give a "price in principle" over the phone and then if this is accepted i will attend site ant a cost of £49 and survey the job and supply a fixed quotation. The £49 doesn't cover my costs but it does show to me that the customer isn't a time waster and i knock it off the bill. Also if the quote is higher than the price in priciple i clearly explain why there and then. It works for me and i don't normally have a problem with people paying. If i encounter problems, i've never pushed the customer for extra payment as i see it that i should have anticipated it, but normally after explaining you can always come to a agreement I find if your right by them then there right by you. Always an exeption to the rule though:) Sorry for the hijack but this thread got me thinking

:D:D - glad to see you didn't mention your spade!

Over a year now, where do you stand? any further on or still being chased by DCA's

Forgot to mention. . . Before someone mentions that swipe cards don't hold fingerprint data, neither do the biometric. They "map" your fingerprint and it remebers distinctive charateristics and points. It's not a scan of the fingerprint

Hi NYM, I work in electronic security and bio-metric readers are becoming more cost effective (Approx £200 for a good one). I imagine that they were implimented with the thought that kids are likely to lose prox tags or swipe cards. It wouldn't hold any more information than any system that they could have put in place, it's merely a more efficient input device. I suspect that it has set alarm bells off with you purly on the basis "fingerprint" has been mentioned. With total respect and only in my own opinion, i wouldn't expect the school to notify parents of the inplimentation of a swipe card system so why would they with the bio-metric. As for the other "research/homework" you mentioned, i'd tell them to mind there own bloody buisiness:) Just my 2p, and im not being argumentative - just giving another opinion from someone who deals with the stuff.

Hi scaniaman, Can't speak for anyone else, but for me i simply just don't answer when i'm "driving" - It's one of the reasons i love driving, i get some peace and quiet and its one of the very few times i can be in a world of my own. i can drive from leeds to london on autopilot:) The day i got pulled however, i wasn't moving and it was a personal call so i took it - wish i hadn't now though:D

If it's not a violent or dishonest crime, you've no problems at all. If it's related to alcohol they sit you down and "talk" about it and assess you. With your traffic offence - don't even worry about it. By the way - do disclosure scotland and not CRB, have it sent to yourself, you may find that it's not even on there after 10 years. (if it is you may as well disclose it) REMEMBER - YOU ONLY HAVE 30 DAYS TO SEND IT TO COUCIL THOUGH!!!! Biiab certificate lasts for years though. I have PL and was a complete p*ss head when i was in my teens - plenty of drunk and incapable's to my name. Still got PL.

Totally agree, I refuse to call any number that starts 07 & 08, would call the 09 but wife wont let me:D anyway, we have a mobile for mobiles and landline for 01 & 02. Another useful number is 0800 100 100 - Free directory enquires but you have to listen to stupid adverts before you get your number! Sorry if i angered you patdavies but i agree with Esio's statement, 4p per min is premium compared to free. (but then again i am as tight as a ducks bottom:))

I found this useful website SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers you can type in the 0870 number or other premium number and it will find the geographical number for you or you can put in the company name i.e wescot I used it for three mobile and bypassed the stupid telephone system they have in place.

London is 1 big carpark:D

Thanks Patdavies, Done it today and it was £17.50, like you say should have it soon, DVLA state they will ship within 48 hours. Summons is on 15th, gonna plead quilty by post. Reading the above it's clear that it's not quite that black and white, but i havn't the time or the money to challange it with arguing semantics. Gonna write a very polite letter with it and see if that helps - doubt it though. Is it a gauranteed fine and points or is it at the magistrates discretion?

Hmmm - not really much of a defence then - bugger Time to pay up and shut up i think:( Thanks for help Rooster n Crem Any thoughts on paper counterpart? or am i stuffed there as well - what a bloody day eh

Hello again Rooster You slipped that one in as i was replying to other post:) I know - but what if i was "letting engine cool down for a mo";)

Hi Crem & thank you for reply I wasn't trying to imply that it was a defence nor reduce the seriousness. However, it is a fact that if the engine isn't on then no offence is commited. I was questioning how easy would it be for the police to prove that my engine was on as i understand that just being stationary isn't a defence but putting things into perspective i wasn't a danger to any other road users so i am in two minds as to what to do.

Hi there, A few months back i got pulled in London for driving whilst using the mobi. The police officer was a decent bloke and after the checks etc.. he issued me with a form to sign and told me "it's 3 points and a fine, and don't forget to produce at your local nick" with that i was on my merry way. needless to say, i completly forgot to produce and pay - until today that is!!!! Along came a sumons to a magistrates court in a few weeks in the south:( sorry for being vague but with it still on going i think it best not to put all the specifics in. Anyway, i'm just about to fill it in and was going to tick "guilty" accept my fine and points, pay up and move on. But..... I was stationary at the time (stuck in a jam in London - very easy to substantiate:D) however my engine was on. Is it for the police to prove i had ignition on or for me to prove it was off. I image this would be very difficult for them to prove even if they have CCTV in their car as i was stationary! I'm not trying to play down the seriousness of driving and using a mobile - but i was sat there with handbrake on and clutch up and had been so for a few mins. P.S if i plead guilty and save myself a trip down south what penalty do you think i'll get? also, i have to submit my driving licence, no problem for the plastic bit but the paper counterpart was destroyed in a house fire a while back - if i show them evidence of the fire do you think they won't suspend my licence until the DVLA stop dragging there heals and send me a new one?

Very Good Point, you stated that the biggest discrepancy was 21 mins and that was over 3 weeks ago, does this mean that the inconsistancies were few and far between???? and when they were only within a few mins.

Our estimates are based on the information you have entered about your income and circumstances. For a summary please see information you provided. A summary table of the benefits you may be entitled to is below. Please note that some of these results may confirm benefits that you are already receiving. You can use the results to check that you are getting the right amount, though we recommend that you get further advice if you think there is a problem. Our estimates do not guarantee entitlement. Entitlementper yearper weeknotesMeans-tested income entitlementsIncome Support/JSA£414.53£7.95Income Support/JSA (income-based). Means-tested bill reductionsCouncil Tax Benefit£1,143.66£21.93You will not have to pay Council Tax as you qualify for full Council Tax Benefit. Housing Benefit£4,171.42£80.00 Total Entitlements£5,729.61£109.88 weekly The results table shows which benefits you may be entitled to. Use the links below to get more information and to find out how to claim. Income Support/JSA Council Tax Benefit Housing Benefit You may also qualify for: Carers Allowance Attendance Allowance Info Disability Living Allowance and Incapacity Benefit Funeral Grant NHS Low Income Scheme Disabled Facilities Grant Above is a cut and paste from www entitledto.com I recommend trying it as i had to guess at some of the questions, i.e weekly rent i put £80??? it asked how old your partner is, i put same age as you. I also put in there that your partner earns £6ph for 16 hours and that you HAVE £6136.00 savings (£118 x 52) and it still comes up @ £109.88 pw in benifit entitlement. Try it with all your info and see what it comes out with Hope this helps Chris

HMMM - I'd query this bit, Scenario You lose your job, You've no income, You've no savings You've had a loan which is now a 6K dept (£118 x 52) and they say "oh well you had some money, now you don't - tough luck" This doesn't seem right!!!! It's late now, but i'll look into it tommorow and see what i can dig up. Good Luck Chris

Sorry Zamara I'm being thick again - I can see it now, you've got to be under 20 AND sick for 28 weeks Doh isn't it funny how you can read something 10 times over and not see it

Hi Zamara, Thank you for reply, I got info from below website and have cut and pasted the relivant bit - Now you mention it, it quite clearly says MAY BE ENTITLED - does this change anything? http://www.direct.gov.uk/en/DisabledPeople/FinancialSupport/IncapacityBenefit/DG_10016082 If you haven't paid enough National Insurance contributions You may be able to claim Incapacity Benefit even if you haven't paid enough National Insurance contributions if: you're aged under 20 (or 25 if you were in education or training at least three months immediately before turning 20), and you've been sick for 28 weeks, and:?: you're present and resident in Great Britain for 26 weeks in the year before you claim If you're in the Armed Forces or you live and work within the European Economic Area (EEA), you may still be treated as being resident in the UK. I did use actual pay when using HMRC calculator, my argument was that they divided it by 9 weeks not 8 so that brought the AWE below £90, by the way I had a very promising conversation today with HR - I've asked for written confirmation and then i'll elaborate. . . . by the way, in my first post i stated that her time off brought the AWE below £90, i didn't know about the HMRC online SSP Calculator then, also i dug her wage slips out and clarified exactly how much she had earned. Using the HMRC calculator made her 11p short but that was because of 9 weeks in april and may not 8. The time off only made a slight difference but was still above £90 on average for the 8 weeks running up to sickness. Sorry about style, i seem to have cocked my fonts up somehow

Hi whitmoor I read on here that they need to give you 28 days notice, with regards to "forceing" it upon you I do not know I asume theres something you don't like in it, what is it you're disputing? someone in the know will come along soon Chris

It's perfectly acceptable to book to the 1/4 hour - most places do, i know i do. Can you prove you wern't doing it for finacial gain? ie Monday Finished @ 17.05 booked 17.00 Tuesday Finished @ 17.10 booked 17.15 Wednesday Finished @ 16.50 booked 17.00 Thursday Finished @ 16.35 booked 16.30 can you see where im going? if it was give and take and was generically accepted then you have a strong case of unfair dismisal If it was all take however, you may struggle regardless how many other people were doing it (IMO) notwithstanding they should still follow procedure and you should have been given the opurtunity to "see the error of your ways" especially as you genuinely though it was a acceptable practice. Good luck Chris

Additional Thinking about it, they may have cashed the cheque you know.... If i wrote a cheque for £200ish I'd certainly know pretty soon if it wasn't cashed. I'm sure your mum would have mentioned it