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morgan8080

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  1. HI still on with the sheet , all very complicated and have had some time off it. With regard to a suspended possession order ( they expire after 6 years and they must get permission and file to renew it ) Well , does a SPO carry over when the company sells the debt on? i cant find any information anywhere. Also paid my mortgage payment on the 31st dec at 11:56 but they sent a letter last week saying i was in breach of the order and hadnt made a payment in december. I sent them proof and time of payment and asked them to update their records accordingly was this right?
  2. My husband is doing a full house renovation after a house fire, the customer he knows and has done previous work. He was asked to sort all this out and project manage the job and other sub contractors. The insurace would only pay out / or let him be the contractor if he was VAT registered the customer said so we quickly did this as we would have been doing it in a few months due to threshold , we have an accountant who is doing all books , VAT etc.They initially said if he wasnt vat registered they would only pay the sum minus vat The VAT number was given to the customer and then the insurance who then said they would pay out the claim minus the VAT and pay that at 3/4 of way through on receipt of photos of work / invoices. The customer is deducting 20% off every invoice we add , materials and labour. Shouldn't the customer be paying the invoiced total and then await the rest of their money 3/4 of the way through. It isn't for the contractor to be at a loss while going through the work / cash flow issues as he still has to be out Is this right?? just unsure at present
  3. All ok still with this but i emailed the accounts dept of the company to ask for a copy of the account forms / application - ( cant think of the word ) and no reply twice to my asking. My husband cant remember if he signed anything - should i persue this if they dont have one
  4. Hi did this and its worked - he said this The 14 day notice period given by HCEO expires on 27 July. The next instalment is due on 31 July. Assuming this is paid (by standing order) by that date we will call off HCEO. Obviously if future payments are made by standing order they cannot be missed. Please note if any future payments are missed, we will reinstruct the HCEO without further notice and if that is necessary any future payments would have to be via HCEO. This would incur further costs for which Dean would be responsible. Finally, as you will be aware from the notice received from HCEO the amount outstanding after deducting your recent payment is £3138.86. I asked if proof could be sent of action called off, is that right? I also made payment now and sent proof from bank .
  5. and say what? i was told not to talk to them and i had an answer phone message saying i was late paying thats why its gone to hceo
  6. my payment are all up to date i dont want to deal with any HCEO , i have adhd and massive anxiety, i won't sleep if there could be a chance of a visit. The HCEO only set up a payment plan if they can come visit and there is charge for that and controlled goods agreement so far i have dealt with the solicitors before they applied for writ
  7. if they dont have one or dont reply - can i say on my n244 that i believe it to be under CCA and have asked for a copy of credit agreement as we never got one only a welcome letter
  8. thank you so do i do a n244 for stay of execution and also submit an n245 to vary or just leave it at the n244? so sorry to ask questions
  9. if you could help me i feel really lost and urgently need to send today need to fill in n244 and email in and pay today i dont know what am writing?
  10. I’ve sent an email asking for this to be sent. so plan is to send n244 to ask for stay of execution. do I need to also send n245 to vary anything ? it’s all a bit overwhelming . I want to stop any action then will act on the CCA if needed.
  11. Don’t have a copy of agreement as it’s all happened in last few days I thought we were paying the £50’a month . I didn’t know about CCA so it’s only down to some researching that it could most likely be covered but I won’t know for definate till get a cooy
  12. do you agree with what was said? not sure about the cca - he said it would only be covered if it states it in the credit agreement - which we dont have one - only a letter saying It was set up and we had a letter saying we have opened a credit account for you , your credit limit is £5000 if you find this insufficient please contact me and we can come to an amicable agreement . Then it just has conditions of sale attached to it with details about buying of goods etc i can ask for one but on my covering letter can i still add about the debt is under the CCA i want to suspend action and then fight for the fees added. interest is being added daily now its with HCEO
  13. ah right , i only had a letter from the enforcement company. I wanted to get it sent today but cannot believe how hard it is with so few details
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