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About exeterbay

  1. Hi All, hopefully someone can point me in the right direction! my other half put a deposit on a dog plus a bit extra - £250 deposit plus another £200 to make it half the payment (£900 dog) That evening we discussed the dog and agreed that actually its not the right time for us so the next morning she contacted the seller to say sorry and can she refund deposit. the dog hadnt yet had its jabs and was only 7 weeks old so not able to leave the seller yet. Seller said no - she would refund the deposit amount of £250 but not the additional £200. The receipt was not worded 'non refundable' and was just a hand written note. Where do we stand with this? many thanks
  2. Hi All, Just looking through my mortgage statements with Mortgage agency Number five and every year since i took it out (2007) there is an annual amount of £40.00 taken as an insurance fee! Would this be PPI? what else could it be? thanks
  3. Hi dx, Hope your well! Quick Q for you.. At what point does solicitor have to tell charge that I'm selling house? Can they tell them at the end when contracts exchange or do they have to say at the start? Just thinking how to avoid paying that's all!
  4. Proceed with application to court to force for an order of sale.... Of a house with no equity! Whilst he is getting charged for each letter his brief sends which he is adding to the bill!!
  5. Morning all! So... I have received a letter "signed for" from their solicitors saying we haven't heard from you if you don't reply within 14 days then we will proceed without any further notice -- which is what they have said the past two letters but this time I had to sign for the postie! It's quite funny really isn't it?? Thanks
  6. Thanks dx and Martin! Yeah it's not nice receiving these letters especially when you don't believe you owe anything!! So he can't get the money any other way then such as attachment of earnings? I'm no expert but as soon as I got the second letter I thought why do that? So I sit on it and do nothing?
  7. Hi Martin, I've received a second letter from solicitor saying they are giving me extra time (original letter stated letter before action) do I need to respond myself now or sit tight until I receive claim form? Is there any other way he could try and get money or does he need to wait until equity is there? Speedy response would gratefully received!!! Thanks
  8. So let him do the leg work and pay his solicitor to go to court or shall I tell him now? He can't try and get the money any other way?
  9. So how would he go about finding this out? Is it down to me to prove it now or let him work it out? Would he need to go to court? If he can't get the money that way is there any other way? I've just got rid of a CCJ and 6 years of bad credit so I don't want anything to kill me off for another 6 years!!
  10. Yeah I see what you mean! I received the solicitors 'letter before action' giving me 14 days to pay (they found out welcome charge had gone so think there's money available!) so what would you recommend I do? I haven't had any contact for around 7 years and kinda want to not reply! Will they go straight to court? Will they ask for proof of mortgage balance, valuations before they go to court? What else could happen? No money no pay I think!!
  11. just read the below section on the register which i paid for and downloaded . . i thought this was full register so could there be more indepth info on full? The following extract contains information taken from the register of the above title number. A full copy of the register accompanies this document and you should read that in order to be sure that these brief details are complete. Neither this extract nor the full copy is an 'Official Copy' of the register. An official copy of the register is admissible in evidence in a court to the same extent as the original. A person is entitled to be indemnified by the registrar if he or she suffers loss by reason of a mistake in an official copy. This extract shows information current on 29 JUL 2016 at 10:19:04 and so does not take account of any application made after that time even if pending in the Land Registry when this extract was issued.
  12. Hi Ganymede is this enough or do you mean the whole thing including restrctive covenants? Title absolute RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be registered without a written consent signed by the proprietor for the time being of the Charge dated **.**.**** in favour of ******* referred to in the Charges Register. Charges Register (**.**.****) REGISTERED CHARGE dated ** month ****).
  13. Ive read it but it's not really making any sense to me? I never went to court, I have now got all the old paperwork out of the loft! Sorry to be a pain - could u tell me in leymans terms?!
  14. It's a charge listed under same section as mortgage - is there some particular wording I'm looking for? Would there be a difference between interim and full charging order?
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