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Everything posted by Leakie

  1. yes that is the case @BankFodder Thank you I suggested she did a bank transfer with the reference, repayment of loan. But your substantial response makes 100% sense, I will speak to her in the morning, and will sort out a draft letter, and post here first, She will not see the loner until next Sunday, so will have time, Thanks to everyone who has responded, and will ne back soon
  2. £1750.00 It was paid to the Hay and Straw supplier direct to settle an invoice. Yes has the bank details and will pay back in full once the horses are sold, with Reference Loan repayment.
  3. Ok putting it simply When does a loan become an investment, if the person who lent the money decides this. No written contracts Will not accept payments from the person she loaned too. And now says she has invested in the Livery yard. without the owner agreeing she could invest.
  4. Right I have pushed for more info, The farmer who owns the land and the stables, is applying for Planning for 42 more (35 at the moment) but not all full) he intends to invest big money to bring it up to standard . The loan was given before this person was aware of the above, In my opinion the Loaner saw an opportunity, once this info was made available, I have work it out if all were full livery the turn over would be £29,000 per month with a profit of approximately, £5000 per month, I can see the reason behind the change . As said before originally a loan then when she tried to make part payment and handed back, now an investment, according to the loaner. No written contract for loan or the investment. The loaner has stated if paid by bank transfer it would be paid back into the original account. What can my friend do to end this? She wants to pay it back and can pay in full in January with the sale of 4 horses, which should bring in approximately, £60.000. To make matters worse the Loaner works for the inland revenue and the livery (her daughter ) is a police officer.
  5. Thanks for responding dx 100uk There was no paperwork nothing in writing at all Thanks for responding Hightail The Loan was from one of the Liveries Mother, who has 2 horses on the yard.
  6. I am posting on behalf of a friend, I understand not ideal, but she has issues that need advise and is not comfortable asking for advise. Back ground She runs a livery and stud farm, Earlier this year she thought she had sold one of her foals, but this fell through due to new owner not being able to make payments, for what ever reason, also not convince the foal would be safe, In between time she purchased a colt, this left her short of finance, stupid i know but was an impulse purchases. She took a Loan and the agreement was it would be paid back in instalments first payment December. First payment was paid, as agreed, but was handed back as now she was told it was an investment not a loan. There was no written agreement for a loan or an investment, I have advised her to make the repayment via bank transfer with reference loan repayment payment in full. The loaner has said they will just send the money back, as far they are concerned it was an investment. Where does she stand ????
  7. The lower limit for bankruptcy is now I believe £7000 so I can not see how they can make you bankrupt , Best you look on the insolvency site, more likely they said bankruptcy to frighten you and will be a ccj
  8. No Ticket on Windscreen in Photo only front and rear photographed inducing windscreen 23-06-18 alleged offence Notice to registered keeper dated 03-07-18 Received 06-07-18 UK Car Park Management Schedule 4 mentioned Cut Throat Lane Witham Essex
  9. Thank you DX I will post up a later, And no it is not a case of the vanishing Ticket They have taken a photo of the front screen with out it
  10. Hi all I have received a PCN through the post, This is the first time I was aware, Does CPM have to put a ticket on the windscreen rather than send the PCN with pictures through the post This is not an ANPR it was one of their goons checking Thanks in advanced
  11. No this county court case was to do with Chrisy Morris when he was arrested he must have appealed or something as i thought his case was in November last year, Now been found not guilty and the judge ripped into the prosecution because of the incorrect paper work. and apparently not showing the warrant on request
  12. Thanks BA it was not showing the warrant, it was more that the warrant was gained by deceit, by stating it was for a trespasser/squatter, BA can you explain why the warrant does not have to be shown when asked, if it is incorrect how can it be questioned?
  13. Just to give you some insight Mr Morris has got off because the EA had the incorrect paperwork the eviction was an N293a (think i have this correct) Apparently the Owner of the house was a trespasser according to the claimant. so the claimant put before the court misleading information. so I can understand why he was found not Guilty. even more reason to check the paperwork from any EA.
  14. The Bankruptcy should not be a problem as it is the final solution. Not an easy ride and will cause a few problems but you will be debt free. I believe you have to have debt over a certain amount £5000 or £7000 not sure
  15. PT this is what was intended from the beginning with the rule changes to much in favour of the EA's the whole system needs a rethink
  16. Too one sided IMHO in favour of the EA's this has been done to deter complaints. it should be a level playing field for both sides
  17. I appreciate what you say ericsbrother. then maybe the S21 should only be served so it finishes the day before the next payment is due. This would be fair for both tenant and LL looks like I may now have found another property and will move before the next payment is due.
  18. DB I now have a better understanding of what can and cannot be done, I would rather not cause problems for the LL.
  19. Thanks DB The Housing Officer told me at the interview what will happen cost implications, Temp accomodation miles away from any connections, the house are not great maybe social services will be involved and up to 3 years until we got social housing. I received his conclusions of the meeting and he basically said private rent is in my best interest, I think he did this for 2 reasons 1- there are not many 3 bed social houses available, 2-It is an incentive to find a house in the private sector, as I think there are a lot out there that would not bother to look. Hopefully I will come up trumps this weekend,
  20. Yes DB rolling contract, I have contacted the LL with a letter explaining that I have not found anywhere, but would move as soon as I can. I have been advise by the housing officer to sit tight until they decide to take it to court , did not want to go that far, but as I am single with 3 children I will have to do what they told me, I will hopefully be having a viewing tomorrow, and have been told he prefers families on HB This has been my problem letting agencies tend to ignore and not pass on new properties I have offered 6 months rent up front and deposit the start paying rent from month 4 so that they will always be 3 months in advance. I am sure some LL's would accept this if it was offered,
  21. Thanks DB The point I made as I paid upto the date of NTQ, as in my opinion this would be the correct amount. The comment made was if it is an ongoing arrangement . you pay the full amount on the day due. if this is the case then NTQ should be dated in the same way or it will be abused, I am still trying to find another property but due to my current position, I do not earn enough to rent without a guarantor. My parents are asset rich and not cash rich. the letting agencies state that you need 30 times the monthly rent I am claiming HB at the moment, because of this I am overlooked, I can understand to a point. Yes I have spoken to the Housing adviser and he is only just started helping me now NTQ has gone over the date I would like to be able to continue in the private rental market, but would be back to this position each time. I fear I will end up homeless, but have 3 children to care for. I have no problem paying what is due so the LL will not miss out, on a penny that is due.
  22. So you think it is right for a tenant, to receive a NTQ one or two days after the new cycle starts and has to pay a full month's rent for a couple of days , yes they could move beforehand, but maybe were not able too. I guess you must have to property's rent out then
  23. I would like to agree with BA where the investment in the EA's welfare department are concerned. I have a debt that is with Rossendales. The front line operators are working from a script, which they will not deviate from as there aim is to recover the debt only. I have been involved with the welfare department. so insisted on speaking to them. the problems I have had with the front line is they will say your account is on hold then you will get a letter stating it has been passed to the bailiff, the only problem the letter was dated 3 days before the account date as on hold for. After speaking to the welfare and explaining what was agreed verbally ( notes do not match up ) I have now had the account on hold for 30 days whilst they investigate. and for me to be able to send the required documentation. I have had a lot of problems with EC's, but will give credit where it is due, Rossendales welfare have been very helpful, advised what info is needed, and will fight my corner with the council. In conclusion if training w3as improved in frontline operators it would improve, and the main problem from I am finding is the Council recovery department. may be there needs to be regulations to make them take more responsibility. My case 2 accounts on hold and no notification that they have been lifted. how can they make an informed decision without the correct info, which means contacting the Debtor to get the info on any change of circumstances. overall I have to say Rossendales welfare department are good and they actually try to help, those who need it. Experience with others is not the same, ( the same debt) Conclusion Council recovery needs to be reigned in, as most of the time they have a do not careless attitude. not our problem with the EC but we still pull the strings as such. but training to help identify the true vulnerable, people from the will not pays. I also believe that the councils need to be reigned in on the fees charged for LO's as it is easy money for the council. hope all the above makes sense Leakie
  24. Hi Mariner51 Are you saying that the NTQ should go from the start of the monthly rental period I pay on the 11th of each month so the NTQ should have been the same (2months from the 11th) I sent them a letter stating that I have not found a place as yet, The one I thought I had secured they decided to sell. I have paid rent up until today, and have stated that I will pay another 2 weeks as of tomorrow, and hopefully move out before. Just does not seem right paying a full months rental for 9 days,
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