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afcwben

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About afcwben

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  1. My partners daughter is in the process of buying a house. It turns out that the bottom half of the garden is owned by someone else and their name is on the land registry. The people selling the property have had unrestricted use of this part of the garden for at least 25 years. The mortgage company are now debating that their valuation was based on the whole garden and now this has come out they are procrastinating over the offer. What are the rights here, can my partnes daughter claim this as abandoned land (if that law exists). Help appreciated
  2. I recently went on Nat West website to inquire about a loan, I progressed it but decided not to go any further as the interest rate was too high so I didn't apply for credit. I then discovered that Nat West had placed a hard search on my file for a credit application. I disputed this with Equifax as I had not made the application, they told me to take it up with Nat West who then told me that is how they do things. surely this isnt right or is it? any guidance would be appreciated.
  3. Dhmerya Ltd is a dissolved company so you wont be able to contact them https://suite.endole.co.uk/insight/company/10604261-dhmerya-ltd Paraplus are easily contactable and they should be able to enlighten you on what they have told HMRC is could be mistaken identity http://www.umbrellaparaplus.co.uk/contact-us
  4. That's quite a charge they are trying to fleece you out of, don't think I have seen one that big before
  5. looking on the internet it seems there is quite a lot of people who are complaining about Copart they all feel they have been ripped off
  6. If someone had a drink driving ban approximately 2 years ago and I don't have driving licence details is the anyway to check this out like for example MID?
  7. For a windscreen ticket (Notice To Driver) please answer the following questions.... 1 The date of infringement? 16/10/2018 2 Have you yet appealed to the parking company yet? [Y/N?] N if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide has there been a response? please post it up as well, suitably redacted. [as a PDF- follow the upload guide] NA If you haven't appealed yet - ,......... have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] No what date is on it Did the NTK provide photographic evidence? NA 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] NA 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] NA 5 Who is the parking company? INDIGO 6. where exactly [Carpark name and town] did you park? Redhill Train Station
  8. Yesterday I parked at Redhill Station, there are two disable spots but one was being used by a large van to load and unload so had to find another spot. I parked in a spot placed my disabled badge and went to work, upon returning there was a "Penalty Notice" and definitely penalty issued by Indigo parking services. Is this a Penalty? should I appeal? Thanks
  9. afcwben

    HMRC & Interest

    In 2014 I was re-assessed for my tax for years ending 2010 and 2011 this resulting in me having to pay HMRC extra tax quite a bit of money so paid via a payment plan, as a result I was charged interest. This was all settled within the payment plan. I got rid of the papers because that was the end of it. In my 2018 tax return I was due a refund HMRC have deducted the interest for year ending 2010 even though i have already paid it. I cant seem to get HMRC to understand what they have done is there any way to SAR HMRC to get this information from them, any help really appreciated.
  10. Just looked at Equifax and they say free for the first 30 days then you have to pay, does this contravene GDPR rules?
  11. I also was wondering if you want to see the info an agency holds on file for example equifax should this be given to you free of charge or would they ask you for a subscription to view your credit report
  12. They are soft searches so not used when applying for credit (I believe)
  13. A friend has asked me the following. He saw a car on the internet and without looking at it he decided to put a deposit on it £1,000. Next day he changed his mind the dealer has said the deposit is non refindable. What are his rights on this he paid by debit card his bank is Nationwide. Thanks
  14. Hi I didnt use their website the number was given to me, however they are refunding me. Thanks for the help
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