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Posts posted by justanewbie

  1. Thanks for the reply.


    For info. as of January 2014, this council no longer offers discounts on such properties which are not occupied.


    I just rang them - they said as it has gone to summons, I still need to pay £65 for each flat, even though I paid them in full (the summons was on 3 Sept and I paid on the 9 Sept as I didn't go to the property to check for mail). :(

  2. Hi All,


    I purchased a property which is split into two self contained flats, however, it is derelict (not habitable) and requires lots of work. I also work out of town and am not always in the city it is in to check mail.


    I've checked the letters there and:


    1. Dated 3rd September I received a summons to appear at court on 1st October for the two flats.


    2. on 9 Sept I paid the bill (previously received) in full for both flats (having not been back to the property to check for any new mail)


    3. Dated 3rd October is a letter stating that I must pay £130 (total £260) for each flat which is £65 council tax and £65 costs and if this is not paid within 7 days council agents will be instructed to collect the debt (i've checked the mail today on 15 October).


    My question is do I have any grounds to appeal this as:


    1. The property is empty since purchase.

    2. I paid the original bill in full.

    3. I often work out of town.



  3. Hi


    Previous post here about him being hassled by debt collectors is in the debt forum.


    An update.


    After a few letters to both blackhorse and the debt collectors, they ceased their harrassment. My friend is still paying.


    I have tried a PPI claim sending letters and the FOS form to blackhorse, saying:

    · Nothing was mentioned about the PPI to my recollection – the Sales Advisor simply asked me how much per month I could afford as a repayment. I stated the amount I wanted to borrow was £3000.00 and I could afford around £100.00.


    · You did not investigate or take into account my work situation – at the time of taking the loan, I was self-employed making the PPI of little or no use to me.


    · I was not probed about any medical conditions – I suffer from Bells Palsy.

    In conclusion, I would not have knowingly taken out PPI as it is not suitable for my life situation.

    However, blackhorse have written back and rejected the claim saying:


    During your interview the adviser conducted an assessment of your circumstances to establish if you had a need for insurance on your loan. The adviser also had to establish if you were eligible for the policy and if the policy was suitable. In doing so the advisor sought a range of information including details of any existing cover, employee benefits, and whether you had any pre-existing medical conditions. This is evidence by the Demands and Needs statement which was completed at that time. I have no reviewed the information gathered by the adviser at the sale and it is clear you did have a need for the policy, and I am satisfied that you were eligible for the cover and that this was suited to your needs and requirements


    As part of the introduction from the advisor, they explained to you that the Payment Protection Insurance was optional. The credit agreement that was signed by you states that the product is optional.


    I have checked his documents and he has been sent a copy of the Demands and Needs Questionnaire which they undertook on the phone and it states the following main questions:


    Will you be under 75? YES

    Would you like your repayments to be paid in the event of involutary unemployment of 30 consecutive days or more? YES

    Would you like your repayments to be paid if you were unable to work due to accident or sickness for 30 consecutive days or more?

    Would you like your agreement to be rapid if you were diagnosed with a critical illness or were to lose your life?YES

    Have you sought or received medical treatment for any condition over the last 12 months? NO


    I still feel my friend's claim still stands due to the points made in the original letter, however, I would like to gauge opinions on this and what my next steps should be for him?



  4. Hi


    A friend of mine has a loan with blackhorse on which he has made some late payments but still pays each month.


    However, he has now received lettesr from nationwide debt collection services limited asking for the payment in FULL (i.e. the full remaining loan plus charges) or legal action will be taken.


    He isn't very good with letters etc, so has asked me to help him.


    What should be my next steps?



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