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About ecobabe

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  1. Thank you. I'm a bit rusty with this stuff now....so wondering if you could advise. Should I do the original DPSAR to my mortgage company so that I can see all the paperwork, including anything related to the Standard Security document, and also one to the Land Register? ta
  2. Hi, gosh I haven't posted in this forum for years. I originally joined in 2006 and was very active. The forum was a great help to me when I had a change of circumstances. It is so good that it is still going. I digress..... One of my old posts was around my mortgage. At the time (2007) I didn't pursue the issue, and pretty much forgot about it. insomnia makes the mind do strange things and it sprang back into my mind . To recap I re-mortgaged my house in June 2006, the lawyer was very slow processing things and I didn't appear to sign any docs. I am
  3. thank you so much for your speedy reply:whoo:
  4. Hi, never reclaimed PPI but am about to start looking at this. Does PPI apply to mortgages. I have mortgage which goes back 16yrs, I'm pretty sure I was naive and would have taken everything they said as gospel. I re mortgaged about 6 yrs ago so no papers anymore. I know i can get paperwork but won't waste time if it doesn't apply to mortgages. thanks
  5. Hi, this is actually my friends daughters issue. I di deal with HR issues in my work but haven't dealt with pregnanacy ones for ages, also think I'm too close to this one to be objective. I'd be thankful for any advice. here goes my friends 20 yr old daughter( she's a really nice girl and a hard worker ...just so you know she's not a shirker or trouble maker)6months ago left her job to start a new one, she had trainig for 3 months. Anyway she has unexpectedly gotten pregnant, family devestated etc. her and her partner live together both work but this wasn't planned. anyway she info
  6. Hi, agree about the work issue while you are off, you may not be happy about it but thats your employers problem, just as if you took ill unexpectedly they would need to deal with it, and you would have no say in it.....equally you cannot be held accountable for anything that happens as a result of the way your employer deals with your workload while you are off. It is normal procedure for employer to tell suspendee to have no contact with colleagues and customers/clients....it would be in your best interest to observe this. It is far more professional to do so and will reflect well on you i
  7. well it looks like tenancy should be ok (thanks citizenkane). housing officers visted and they had spoken to neighbours who confirmed he stayed there with his mum for years, and he had all his mail. so they seemed to be fine with it; they said he couldn't buy it, but at the moment thats the last thing he's thinking about. with abit of luck that should be that. now he just needs to worry about the benefits
  8. thanks for that. The house has a Scottish Secure Tenancy agreement, I saw it last night when I went to visit. A rep from housing is going to visit him at home this morning, so he has looked out all his letters etc Yesteray they told him that the problrm was that his mum signed a form 4 months ago saying no one else stayed there; i have told him that this does not affect his rights as he has right in law to succed and tenanacy agreemnet can only enhance his rights, not reduce them (so i've been told by housing officer). he's about to have a serious meltdown, he is really worried as he has a
  9. thanks. Ray can I ask a question, I don't understand part of it. My partners mum was the named person on the tenancy and the council tax. his name does not appear on it. what has come to light is that he paid his own poll tax while resident at the house and only recently threw out a really old bill from poll tax with his name and that address on it, but when it changed to council tax it appears that his mum didn't declare him as living there when she completed the form and claimed full housing benefit. so in effect he is not listed anywhere for council tax from poll tax was thrown out til
  10. ok thanks for that. i'll tell him and keep fingers crossed.
  11. thank you erika. He has a meeting with housing tomorrow re his request for succession of tenancy, he emailed them on sunday night to tell them of his mums death and his intention to succeed the tenancy. they were not particularly pleasant when he spke to them as well. at the mo i'm working on him to be tough as he could probably be easily bullied into giving up house; it says on the housing associations website and I know its part of scottish law that to succeed he needs to have resided there for 6 months as his sole residence; since he has been there for more than 10 years and all his mail
  12. Hi, looking for some advice about a situation my partner finds himself in. years ago when my partner split from his wife he moved back to his family home with his mum who was widowed and lived alone. he has stayed there since as it suited him and his mum. he has always paid rent to her and paid half of all the bills and bought his own shopping. he didn't spend a lot of time there except for sleeping, as he works full time in a good job and has lots of interests and spends time with me;he doesn't have any kids. anyway last week his mum died very suddenly in her sleep, she hadn't been ill but
  13. Hi having dealt with most of my debt issues with the support of this forum, i am helping a friend at the moment who is paralysed by the whole thing. She had a next account fell into arrears due to having her hours cut at work, she wrote to them and offered to pay £10 per month for next 6 months until she was in full employment again. they ignored this and carried on with letters, then they wrote to say that her offer was unacceptable. We sent CCa request away and to date they had not complied and its now 7 weeks, they did send her a statemnet crediting the £1 payment to her account so we kno
  14. is the format of PCN valid, where it says 'date of notice' should that not be 'date of issue'? I know thats not the point in this particular case but just wondering for self as I know of someone else who has ticket and am trying to find out if the wording complies.
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