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  1. Hi Bassa S and thanks for your totally incorrect and insulting reply. Since I moved to Caerphilly I have spent a lot of money on my house. I’ve had the external walls re-rendered, the roof tiles replaced and new felt and battens. I’ve had cavity wall insulation installed and new windows and doors. I’ve had a two story extension built on the gable end of my house consisting of a new kitchen and another bedroom. I’ve had a driveway installed so I can park my car off road. Despite these improvements you have accused me of disposing of assets with the intention of claiming council tax reduction. I have asked Caerphilly Council if my spending money on improving my house amounts to asset disposal for the purposes of claiming Council Tax Reduction. They said that improving my house is not considered to be asset disposal in order to be entitled to a reduction in my Council Tax. Therefore you are completely wrong. However, if you think that spending money to improve your property is asset disposal then I stand corrected. I am certain that spending my money to improve my property and bring it up to modern standards of heat insulation is not against Council rules. However you seem to suggest otherwise based upon your complete ignorance of the facts. I would like to accuse you of being thick. However, I cannot do that because that would be an insult to the intelligence quotient
  2. I am not an aggressive person. You are completely wrong. I am a gentle, soft hearted and caring person. Twenty months ago I met a lovely woman who had been beaten up, raped and robbed by a nasty man. She says I am a good man, very kind and not aggressive in the slightest. Please explain why you think the opposite when you don't know me at all.
  3. Thanks dx100uk for your incorrect assumptions regarding merging my new thread with the old thread. My old thread was based upon circumstances which were completely different when I lived in South Gloucestershire. For the past three years I have been living in Caerphilly under a different council and different rules. Therefore my new thread was perfectly legitimate with no reference or connection to the old thread. However, if you think that Caerphilly is in South Gloucestershire then I stand corrected. Maybe you would become a better and more competent member of the site team if you attended a course in Geography.
  4. This time last year I applied for council tax reduction based upon my occupational pension of £150 per week. I was refused because at the time I had over £6000 in savings...which is fair enough. If I had no savings I would have been entitled to around a 40% reduction. Since then I have spent most of my savings on my house and a reasonable second hand small car. Today I rang my local council to ask if I am now entitled to council tax reduction as I now have very little in savings. Since last year my pension has increased to £155 per week. The council said that despite not having any savings I'm not entitled to any reduction because my private pension income is above £74 per week and I will have to pay the full council tax. I assume that the rules have changed since last year. However, I know several single people who live on benefits and some receive more than my pension who pay no council tax at all. My good lady friend who lives about five miles from me receives £130 per week in benefits doesn't have to pay any council tax. Why does the £74 per week threshold apply to people on occupational pension and not to people living on benefits? Any advice would be much appreciated.
  5. I meant paying via debit card which is as good as paying cash in my opinion. I did mention this in my original post. Why do you consider using my debit card an indication of money laundering?
  6. I was amazed today when an insurance company refused to give me a quote due to failing a credit check. Why was I amazed?. Well firstly my credit report is fine and clear. Secondly, I wasn't asking for credit to pay my car insurence on monthly installments, I was going to pay the full year premium in cash. I have no idea why a credit check is required in order to buy things using cash. By cash I mean via my debit card. I thought that credit reports had nothing to do with buying things cash but sadly I have now been proved wrong. I did move home address recently however, my new address is shown on my current credit report, so that's not the reason for insurance quote refusal. Does anybody know why credit checks are carried out against customers who are paying cash.
  7. The company placed a charge order on my house and were regularly threatening me with an attachment to my pension to recover the debt. If they had done that I wouldn't have enough money to live on. I sold a lot of valuable posessions to help obtain the money to re-pay the debt. Regarding wasting the money, you may be right. My house is now being sold by divorce court order so I am going to loose it anyway in the near future. According to the land registry, the charge order is still in force despite me paying the CCJ debt back in full. I therefore assume when the house is sold I will have to pay the debt again from the proceeds. I guess the company have failed to remove the charge order in order to get their money twice. A friend told me that satisfying the CCJ doesn't automatically remove the charge order, so I will end up paying the debt twice when the house is sold.
  8. Hi Martin and thanks for your reply. I paid off the debt in cash by visiting the head office of the company who obtained the CCJ. I paid on the exact date the CCJ should have been removed from my credit record. They gave me a receipt for my payment. Around four years ago I paid credit report.co.uk a fee in order to receive a free credit report once per year. I will open an account with noddle and clear score to see if the CCJ still shows on their records.
  9. I had a CCJ in october 2010 which I recently paid after years of saving up to satisfy it. Today I checked my credit report with "Credit Report .co .uk" Despite the CCJ being satisfied and also being over 6 years old, it still shows as unpaid and still active. I now have proof that CCJ's aren't removed from credit reports after 6 years even when they are satisfied. Satisfying a CCJ is completely pointless and a waste of money. I can provide a screen shot of my current credit report in jpeg format to prove this should anyone doubt me. I assume the law has been changed such that CCJ's remain on a credit report for ever, satisfied or otherwise.
  10. A magistrates court search warrant does entitle them to force entry. However, they do need proof that you are breaking the law in order to obtain the search warant.
  11. My house has now been demolished by a friend of my son who is a demolition expert. Now the wife can claim half the value of a load of rubble. Good luck to her.
  12. Accepting money paid in and refusing to allow me to withdraw any money pending an investigation for money laundering. Thats theft isn't it?
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