I called the RBS PPi line as want to get this moving and they advised the offer relates to a loan before, the mortgate started. I think the figures work out? 2k loan 1996-1998 - PPi £250.00 and statutory interest £450, less tax gives offer of £600.00 Should compound be added to this also? The other one, not mentioned by RBS is the mortgate protection plan, starting in 1999 about £7.00 a month which paperwork shows was until 2003 where I asked to surrender it and was advised it has no surrender value. Other paperwork shows this changed to a Royal Scottish Assurance life protector plan which started in 2003 and goes until 2025. This is £5.00 per month and paperwork from 2011 when I had a transfer of business letter saying is now with Aviva and collects currently. How I am best to approach this please? Many thanks in advance E!

Anyone?

Hi all Happy New Year! Had a couple of letters from RBS now. 'They are prepared to uphold my complaint and offer £600.00 odd for PPI on a loan. This is £250.00 odd PPI and then statutory interest'. It gives a loan account number, but doesn't advise anymore. Should I just call and ask what this relates to only? I now also have paperwork and policy numbers for: Decreasing term insurance - life protector (which is still going ,with Aviva now, at £5.00 per month) Mortgage protection plan Quotation for loan with PPI added (which I know I had around that time) How am I best to play this? Many thanks E!

Hi all Happy New Year! To update you, my parents advised their solicitor we are sorting this out between us. Its felt a very strange (more than usual) festive time, both parents have flu type things. Once they are feeling better we are going to talk it all through. Thanks for all the support. E!

Yes I agree, hmmm I didn’t even think of that but you make a good point! I did speak to the legal cover team advice line I have with my home insurance, which excludes cases against family members. She recommended I send a basic reply and say something like: I am surprised to get this letter which is not correct. The property was purchased in my sole name, for myself, with my money. There was no agreement of any kind. I paid for it all, including renovation, maintenance and have managed letting through the agent myself. But am not sure now after your comments before BankFodder This is extremely difficult for me as it feels like I am fighting against those who cared for me as a child and whilst growing up, even though I know I was probably very overprotected and most of all, they have started this whole thing! I have told them before how their behaviour is pretty much destroying any good child memories I have still have and they still continue ☹

Thank you BankFodder, this is such a great community on here! I am pleased to read this, as the 28 day lurking over me has been causing a lot of anxiety! Nobody is trying to trick your parents. On the basis of what you have said, you bought the house quite legitimately a long time ago and it's a bit of a mystery as to why your parents are becoming concerned about it all now. As I have already said, if there is any issue about money that you owe then this is a separate matter and you should deal with that separately but it has nothing to do with the house as far as I can see. If only I could make them understand this. My parents are very much of the ‘world is against us’ mindset and I know this because I used to be in then circle and the same. My mum has made comments about how I have changed, and this is probably a lot to do with it. I am no longer their child who they can control and ask them which decision I should make, there is probably an element of this in there. One thing which has just come to mind, about two months ago my parents had a break in at their home. Lived there over 40 years and nothing ever like this. It makes me think has this triggered something I had a google on adding someone to a deed, as my dad has said yesterday, but it ultimately gives them a level of control and makes no sense! E!

70 and 71

Hi all At the weekend I had a two and half hour talk with my parents. It soon became apparent they do not appear to have any supporting evidence for their claims in the letter for the items paid for and work carried out, utility bills etc... I had asked to talk things over and go through the list of things they claim I owe them money for. What they produced was two A4 tatty bits of paper, both handwritten. The worst part is they really have no idea of the seriousness of what they have started. My mum was in tears a lot of the time and keeps quoting how it was her Fathers wish she had the house, which I then reminder her this didn't happen because of the court case with her late Brother where it was divided by instruction of the court! My dad continues to say he wants the house 'transferred to them debt free' and my mum keeps saying she just wants to her name on the deeds out of principle. I even said I would pay the £ they claim I owe and could give them something from the rent to try to come to some kind of resolution but they wouldn't go for it! As a test I asked what they would do with the house if in their name, my dad said 'think about it' and my mum said 'anything' which just shows it almost like the damn street light where they are fixated and must just win at any cost. I really do not want to be getting into a court thing, but think it would almost be laughed out of court as it is almost complete based on hearsay and what it in their heads! The part about me paying the mortgage in lieu of rent, I said this was never agreed or spoken about and my dad just angrily said 'well I knew about it! and no one else did as was in his head! This is driving me insane! Please let me know what you think my next move should be Many thanks E!

Funny you should say this. I asked them to tell their solicitor just that, they apparently called him and the answer was that I needed to reply with my proposals I then said there are no proposals if we are sorting it ourselves. The other factor is, if I can actually believe my parents would send the simple letter, unless I post it myself!

Hi all About a week ago I asked my parents for a list of things they claim I owe them money for as per the letter. I asked yesterday how the list was going and my Mother said she hadn’t started it and can’t really remember what the things are?! This completely contradicts the letter and is pretty much exactly as FTMDave says The worst sort are the nutters who will start court action even though they're in the wrong legally and end up wasting their own time & money, as well as the other party's which sums it up! BankFodder - I am going to talk through the letter on Saturday with them and for the solicitor am thinking of sending: Dear xxxx I acknowledge receipt of your letter, the contents of which are noted. I wish to state that I legally own the property at xxxx as per land registry and pay the mortgage for this. (I could mention utilities but don’t want to give away too much) I also wish to state I disagree with the majority of other points in your letter. After speaking with my parents we have decided to resolve with situation without the need for mediation or legal representation. -------------------------------------------------------------------------------------------------------------------- What do you think? I did speak to a solicitor who said I could either not reply at all, then would probably get a chase up but also leaves the solicitor not actually knowing if I agree or disagree to the letter and then wouldn’t know how to play it as such. I could enclose some evidence but feel this may be giving away my ace cards if it ever got that far? Many thanks E!

Hi all I thought I should update. Having spoken to a solicitor and now aware of the £ of even going along the mediation route, I have spoken to my parents about sorting something between us. I asked them to advise their solicitor, but the solicitor said I need to write to them to advise what I or we are doing now? Is this right?! I thought if my parents just told them it would be ok. The other thing is, there is always the chance my parents wouldn’t say anything and the 28 days could come and go, so probably best I do reply, just not sure what to say! Cheers E!

Do you know, reading this actually gives me some kind of comfort, as in knowing I am not the only one to have this situation with a toxic parent relationship, so thank you. Yes, as I probably said, my Fathers own Brother referred to my Mothers behaviour as ‘often psychotic’ and this is related to years ago. Since then I think they have become more odd together. The whole reason I joined this site many years back was to help sort my Fathers finances. He became too I’ll to work, just got a new kitchen, Hitachi finance, couldn’t pay, defaulted, they were pushing for a CO on their home (I was living there at the time) and I manged to sort it with the help of the good people on here. I then sorted out countless loans and re-loans all having PPi on and got my Dad thousands for this, enough to clear their mortgage in fact. Then there was Renston’s who bought the debt from Lloyds and bombarded them with letters until I sorted that too. During this time, my Mother always got in a state about the letters, often saying to just pay them and stop it all etc… and when she had the court battle with her Brother in around 1997-1999 she was a wreck, going to the doctors, crying all the time etc… My parents are very obsessive though. For example the council reduced street lighting including the one outside their home. I had to email appeal letters for them. The answer was always that it was a final decision, with the standard ‘but if you want to appeal’ at the bottom of the letter. After about seven I just had to say I am not sending these for them anymore and they kinda gave up. The crazy part is, as soon as I started talking to them about this letter my Mother is in tears withing seconds almost saying she doesn’t want to go to court but they needed advice! Advice is one thing, the letter totally different! Unless the solicitor thinks vulnerable and is just playing them whilst raking in the ££££? I then said to them, lets just say you did have the house singed over to you, what would you actually do with it? my Father said ‘well, we would think about it at the time’ WTAF?! They are 70 and 71, not being horrible but if someone gave them £100K, they would still be at home 24/7 watching Midsomer Murders and living off takeaways. As I kid we only had one holiday when I was about 8/9ish? It wasn’t because they couldn’t afford it, but because they just don’t do anything, literally! In a nutshell: The worst sort are the nutters who will start court action even though they're in the wrong legally and end up wasting their own time & money, as well as the other party's. This is them! This is yet another hold they have on me. I got my dog when living there as a puppy so he is used to being around them all day when I am at work from when I first moved and things weren’t so strained. If I had him and left him alone all day at my house it is very likely he would get separation anxiety and feel it isn’t fair on him. I actually said to them if this went to court that there is no way I would be there at Christmas and my dog would be with me and they started shouting how that is totally separate to this house thing…deluded! The thing that concerns me is how does a court or judge, if it ever got that far, react when there are two people lying against one who is it not? The only redeeming factor is I have ‘some’ things to prove a lot of there are claims are completely fantasy!

Yes indeed, probably because the majority of the contents is lies. It is really upsetting to read how either my parents or solicitor are hoping to blacken my character with this letter. The crazy part is I go to my parents home twice a day to drop off and pick up my dog, who they started calling a 'family dog' when I moved out. They are acting like this isn't anything bad they have done! My Mother claims the solicitor said the letter had to be sent to 'clear the muddy water' when I asked why on earth this has been sent. A solicitor at my church read it and estimated at her company it would be £1-2k for the amount of detail in the letter. When I said to my Mother about the £££ this is all going to waste she said the letter was 'about £150.00 or so' which I find hard to believe! My comments in relation to the letter. 4. As far as I recall the hand written will was found whilst going through the paperwork post January 1993 and not as the letter reads. 6. This went to court, started by my Uncle which dragged out for a long time and cost a lot of £££. I dont believe everyone accepted there was 'clear evidence' otherwise it wouldn't have gone to court in the first place. 7. There was interest, but parents were obstructive, not turning up for viewings etc... to discourage other people so I would be the only offer. 8. I am 99.9% sure it was purchased from the estate agent. 9. No such agreement was ever made for any of these points. 10. i and ii as above. c. In 2008 I obtained additional borrowing to fund all the refurbishment work needed and have the letter to back this up. d. The property was exempt from ctax and I paid the other utilities. e. Pure lies f. Rubbish, all correspondence and emails from letting agents were with me. 11. I did buy another property, where I now live but didnt ask their permission. If they were thinking it was theirs back then, why did they 'allow it' as such. 12. My Father guided and assisted with the refurb, as any parent would, but I paid for it all. 14. I spoke them about this in a 'what do you think?' kind of way as a child would often seek the opinion of a parent. I certainly did not request their permission. 15. I did write something out, as they were not listening to me, trying to make then understand it wasnt really an option or suitable anyway. To try and help restore the relationship i did say morally it felt like my Mothers and is good to keep it in the family as such. The document they have does not look familiar and seems to have very specific other bits added. I did not say it was my 'debt' which is a phrase they have always used when arguing about this. 16. As the relationship has deteriorated over time I have to tell them less as, especially my Mother, seem to change and quote things back to me months or years afterwards. 17. I was abroad and had a phone call from the letting agent saying 'a very angry couple keep coming into the office, making a scene, claiming it is there house and demanding we stop advertising it' then when in the UK i had to go into the office and show them all my documentation as the owner. 18. In an argument I had said why would I 'sign it over' to them and that these things dont work like that anyway as there are tax implications. 19. I gave my own key to the new tenants when they moved in as they needed four sets. I needed to get in too finish some bits and my Father who had a spare refused to give me his so has embellished the truth here. 20. I have no idea how they know I changed the mortgage company and the exact date? The following is just a summary of what quite frankly is a pack of lies! I am thinking if to write to solicitor myself and ask them to provide evidence to support their claims? Is it not more a case they need to prove things rather than I need to disprove things? This really is a horrible situation, especially this time of year! Many thanks for any further advice. E!

Hopefully this works! There are so many lies in this, it is almost laughable! My Mother actually said she doesn't want to go to court and the solicitor said they needed to send the letter to clear the muddy water?! Cheers E! Letter in PDF.pdf

Thank you to all for the comments and observations. This is an extremely difficult situation as I go to my parents home twice a day and since advising them I now have the letter, I really don’t think they have a clue of the implications of their letter. On speaking to my Fathers Brother he even described my Mothers behaviour previously as psychotic which really fits the bill. Over the years I think they have morphed into one. I have scanned the six pages and deleted all personal details for anyone who wants to read this. It is saved as 6 separate PNG files. Is this the best way to upload it? Cheers E!

Thank you I am wracking my brains which estate agent and solicitor I used now! Is there any database or such where this can be accessed? The property is on rightmove sold £££ list but doesnt say much other than the date.

Thank you all again. I think the word story is quite apt as it is clear from the 29 points over 6 pages that my parents have insisted lots of frankly irrelevant and often untrue things have been included in the solicitors letter. Here is me filling in the gaps! There was a dispute over a will in respect of your grandfather's house but the dispute was eventually abandoned and it seems that the house was apportioned to your mother and her brother who presumably were the only two children. The will was unsigned and so we could say that the house passed to the two of them under the rules of intestacy. Not abandoned, it went to court and the court decided it should be sold and the £ divided between my Mother and my Uncle who were the only two children. So maybe they did own it whilst on the market? You then decided to buy the house for £50,000 and presumably the money you paid was divided between your mother and your uncle – who were the owners of the house. Correct, it went on the market, a few people viewed it, my parents were awkward towards these potential buyers and then I made the offer to the estate agent and purchased it. This was in 1999. We talking about 20 years ago here and so in respect of most legal questions I would have thought that some limitation period applied. (However the issue of the trust has been raised – and this wouldn't be affected by limitation) However, presumably the house was bought at a proper value given the market at the time and any work that it needed doing. Presumably the house was properly conveyed. Exactly, 20 years is ridiculous, and during that time my Father could have purchased it from me, instead of purchasing their own council house, if they really wanted to it 'back' as they keep saying. Yes market value in need of work and all above board. Although a lot of things have passed – including home improvements, tenancies et cetera, from the story you have told us, neither your parents nor your uncle have been involved in this at all. My Uncle has also sadly passed away. I obtained additional borrowing to fund the work needed in 2008 (not mentioned in letter obviously) and have found some receipts, emails and mortgage letter to back this up, but in the letter my parents claim they paid for all this and carried out the work as I ‘had little interest in the property’ also all correspondence from letting agent is to me, but in letter claims by Father did all these and ‘I merely singed the tenancy’ which is rubbish. One weird thing, the garden shed is still full of my Grandad's tools and my parents have the only key to this, have visited it randomly and instructed a builder person we both know over the years to trim the hedges. This was always been behind my back and have asked them to let me know or I can do it. I spoke to him yesterday and they have always paid him cash, so no paper trail. Now you have received a letter from your parents saying that the house is really theirs and that you have simply been holding it on trust for them and they now want it back. Is this a reasonable summary of what has happened? Yes, although the ‘trust’ that is mentioned is literally something they have made up, assumed or otherwise. There is absolutely nothing to my knowledge of this kind in place. Although you have written a fair bit about bills, tenancies, and that you have lived in your parents home for some of this 20 years, I'm not sure what relevance that has to the problem. I have to say that your explanation is very unclear. A bit rambling in fact. If you think that part of the story is relevant then maybe you'd like to express it all a little more clearly and say in what way you think it is relevant to the problem. Reason being it is referred to in the letter and quite representative of the whole letter, rambling. My point was it is not true and I am the one who has paid for these. It’s almost like they are trying to paint me as someone collecting the rent money whilst the did all the hard work and paid for things. You are much more familiar with the story then I am but I don't see that those factors are terribly important on the brief understanding that I have. if if any money is owed to your parents because of you having lived with them et cetera then it seems to me that that is a separate matter and has nothing to do with your ownership of the property. Agreed You say that you have received a letter from solicitors claiming first of all that there is a constructive trust or that you might be subject to a proprietary estoppel. In terms of the estoppel, that doctrine is only available in very particular circumstances and could not be used to attack you in any event. Estoppel, whether it is proprietary or promissory can only be used as a defence. So the question of estoppel in this situation is completely irrelevant, in my view, although I don't see any basis for one in any event. Lets hope so So what remains is the possibility of a constructive trust. It seems to me to be highly unlikely that there is such a trust and I think that the first question needs to be asked is on what basis they consider that there is a constructive trust. Secondly, of course, even if there was a constructive trust, on the basis of what you have told us, it wouldn't only be your mother who was the beneficiary, it would also be your uncle. Furthermore, if you were a constructive trustee then at the very least you would be entitled to recover all of the expenses that you had laid out over 30 years – including the cost of the property plus interest – less any financial benefit that you had accrued from renting it out and so forth. Good point about me being a trustee, if, such a thing were in place. I had a google of the meaning and I honestly don’t feel it meets any of the criteria. I'm not sure how good this analysis is. This is well out of my experience – but I would suggest that you consider it and see whether any of it rings true. I would also start making a very detailed account of all the money which you have spent over the years on the property and also a detailed account of all the benefits you have accrued from it. I wouldn't supply this to their solicitor but if you end up having to instruct your own lawyer then I'm sure that you may be asked for this if there is any suspicion that a constructive trust may exist. Frankly it sounds like a load of rubbish to me but we will be very interested if you will keep us up to date. So there you have it. No particular answers. Just a few unsupported and unqualified opinions I do really appreciate your time and effort on this. Yes, when I read it all again, rubbish does spring to mind. My parents have been very challenging to say the least and have no idea of the consequence of their actions. To be honest, they have almost shot themselves in the foot as there is so much detail in the letter, lots of which is untrue and I can prove this. If it ever got to court and I really hope it doesn’t, I can only think this would go against them. I really do think the solicitor (who is the same one that rinsed them ££££ over the will) is just charging them for this letter, which may have been a good few hours with the unneeded detail, knowing fully well this wont go anywhere! Another thing the letter requests that I confirm I wont sell, rent out or re-mortgage the property!!! I have literally just started a new mortgage and need tenants to pay the rent, I don't think this request hold any water at all? I hope this does come to nothing and hopefully helps others along the way!

Thank you, I really appreciate the comments. I guess I was hoping like the incorrectly worded default notice someone spottted for me on here, but the solicitor thought was fine, could happen again. There is quite a lot to this, which bits of the story can I provide to help you to help me? There is a paper trail from eon, council tax, I have all the paperwork for the mortgage, like changes in rates, paperwork for the letting BD tenancy agreements etc?

I was really hoping for a different answer, but this site has served me well so I have faith in your answers. The most frustrating thing is this is all lies, total lies even to the wording in the letter which my mental parents use!

Hi all Wow, do I have a situation to contend with now! I shall include as many important facts as needed. I have received a solicitors letter today, by instruction of MY PARENTS claiming they are beneficially entitled to a property I purchased in 1999. This property belonged to my Grandad who sadly passed away in 1993. He had hand written a will, not witnessed by anyone, leaving the property to my Mother and not his Son. Of course my Mothers Brother wasn’t happy with this and contested it which ended up in court. This dragged on for a long time, it could have been years? Until it was decided the house be sold and money divided equally. From memory I think the legal feels were around £30k ish. At this time my parents didn’t have jobs and I was able to obtain a mortgage in 1999 and after going on the market purchased the house for £50k as it needed a lot of work. At the time I was very close to my parents and it felt a good thing to keep the house in the family circle as such (like cars sometimes) but was obviously in my name as the owner. I paid the mortgage and utilities on it and it sat empty for ten years whilst deciding what to do, more my Mother not wanting anyone to touch it and change memories. The council kept writing to me until eventually said it would be a forced sale if nothing done with it. I then obtained additional borrowing to fund the complete renovation and then rented it out with the idea if it reducing the mortgage. Around the same time and during the crash I manged to buy another house needing work, by using equity on first as a deposit and a mortgage on the new house. My parents would always refer to the 1999 as my house although this felt awkward. A few years along the way (2010/1/2) my Dad purchased their council house at a reduced rate. I moved out of my parents home in 2014 and into the second house once it was all modernised, which since the relationship with parents has just deteriorated a lot. Arguing about lots and them saying I need to ‘sign the house back over to them’ on more than one occasion. To fast forward, the tenants moved out of the property recently and my parents found because as creepy as it sounds, I think they used to drive by or watch them. The signing back over has been demanded recently to which I said was ridiculous etc… Today I get this letter with 29 paragraphs and crux of which being to transfer to property, with vacant possession and mortgage free, to them and in addition any surplus rent from the previous ten years! The letter is full of lies my parents have told the solicitor such as: I lived with them rent free in lieu of paying the mortgage They paid all the utility bills and council tax They paid for and carried out most of the work back on the house in between purchase and 2008 when renovated My Father dealt with the letting agents recently and I ‘merely’ signed the tenancy agreement There was a time, as my parents have always been high maintenance, I had written something for my Mum to say although I own the house, morally it belongs to her as probably thought it would help the relationship. A copy of this has been included, although I think looks slightly different to what I had printed and also says…about asking their permission to sell it and they could move in if they ever wanted, I really do not recall saying that! This piece of paper I refer to has no date or signature. My goodness, this has completely knocked me for six. Its like history repeating itself! I have checked with Eon, Council tax etc… so far and all have been in my name and paid for by me. The letter also says ‘the facts of this case are familiar to you and you ought not to require any further enquiry’ which almost is like the solicitor knows this is all hearsay/BS and no proof? Also that I should respond to the claim within 28 days. The letter was also not recorded in case it makes a difference. Another paragraph says advises my parents 'have a strong claim that I am holding the property on trust for them absolutely by way of constrictive trust and/or proprietary estoppel' I have no idea what this means! One thing I should point out, I used to be very much in my parents bubble, asking them for advice, wanting their approval, very much lacking confidence in awareness of my own abilities. It is since I have started thinking for myself they don't have the hold on me their behavior have become worse. What are your thoughts please? I really have no idea what to think! Many thanks in advance as always E!

Do any of you know what counts as harassment? The parking is still happening, possibly not enough over to get a ticket but enough to cause inconvenience. Whenever I have unfortunate event of being outside the properties at the same time, the idiot stares at me, I am guessing trying to intimidate. There is a bit on the police website about harassment and stalking which lists 'staring' interestingly. Any advice please?

Lots of good ideas My issue with the council is they claim not to have power to do anything apart from write a nice letter An ABSO would be ideal. I have provided them with photographic evidence of all I have mentioned, they can to my home for a meeting and seemed to be scratching their heads Wanting to go along a resolution route to hear for the other idiot, with no consequence as a result?

Thanks ethel and stu007 Yes, we had the kerb double dropped so me and my partner can park off the road. Before , just had one, and idiot would park in middle of properties so couldn't fit two cars on road outside. Has been issued a good 3 or 4 PCNs for obstructing since done. Its the back of the car, sometimes as far as a wheel but has a long boot/bumper which hangs over, so its not fully over. Recently seems to be as far as can without getting a ticket. CCTV - shall read up thanks. Oh also, when I say 5 CCTV, that is 4 on property (100% out of boundary) and 1 in car which is lit up all night. Does this count as harassment? The initial start of this thread, about 6 threatening letters asking me to pay for vehicle damage or court (nothing came of this) The constant parking annoyance (going on a couple of years) The loud music, witnessed by Env heath officer but not quite loud enough for notice, so letters sent. Paint 'accidentally' spilled on road outside my property (because was parked over our drive at time) Letters about rubbish outside my own garage at rear of properties and the 4 screws attaching bamboo to his fence. Then reported me for fly tipping, didnt go anywhere as officer agreed wasn't causing an issue. I have since sorted the screws and bamboo and idiots fence is literally falling apart. Concreting over 1/4 of my grass in rear lane whilst doing own part. Stupid things like having a BBQ and the parasol sticking way over the fence into my garden. All very subtle and annoying things to cause issues, without quite breaking the law. The council are aware and claim powerless as own properties and the police pretty much are not interested. What can be done? Cheers E!

Thanks HB I called the line and ICO say limited powers and to call the police...who don't want to know

Also now has 5 CCTV cameras which surely must be recording us, people in the street etc... As are pointed everywhere. Apparently the council have now power to do anything and there is no set number to have?!