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Everything posted by exeterbay

  1. ah right ok! whats so bad about email? should i write instead? didn't want to talk to them on the phone really. took it out 1st september 2017
  2. Hi again,, I seem to always be fighting DCA's i'm afraid, i got behind on my halifax credit card. tbh i'm not sure how it crept up to its limit of £3k. i stopped paying the minimum amounts a year ago when the pandemic struck and have not paid since, Back later last year i had a letter from Link Financial saying they now have the debt and asked me to contact them, i didn't respond and then i received a couple more which i ignored. i then started receiving emails instead of letters.. i replied to an email stating i couldn't pay much and wanted to set up a payment plan. they replied saying i need to do an income and expenses form as my account had been passed to a solicitors for potential legal action, i replied saying no i'm not doing an income form as things are unsettled financially at the moment, i haven't heard back at all from them and this was Jan 4th. Should i keep emailing to show i am attempting contact even if they don't respond? should i take the threat of solicitors and legal action seriously - i don't want a CCJ!! shall i contact Halifax and try to arrange a payment plan with them? keep quiet and do nothing Thanks! Matty
  3. thankyou Manxman and thankyou Stu007 i will do some digging on this and get all the paperwork out but we are homeowners (mortgaged) and live on a David Wilson development in a detached house. The maintanence contract is to look after the grass verges and dog walking field...
  4. Hi Manxman, Thanks for the reply! we have a mortgaged house - so ours, but i believe the maintenance company have a charge on the mortgage? i think? possibly? i need to do a bit of digging i think... thanks Matt
  5. Hi Honeybee, thanks for the quick response! i read the other threads and really i suppose i want to know how the tender process works for these contracts? David Wilson/Barratt just appear to hand them the job and then Chamonix keep it forever! We'd like to challenge them so im looking for info on the process.. many thanks Matt
  6. Hi all, We live on a new development which was built by David Wilson/Barratts. The grounds are maintained by Chamonix - they are shocking and very expensive!! A few of us residents are wondering how they were given the contract and how do we get rid of them? Chamonix look after many sites around the country for DW apparently. Could someone confirm the process that happens? How do DW award the tenders? how long are the tenders for? can we as residents refuse to renew the tender at the end of the contract? we would like to put it out to tender and choose the maintainence company. we are told that as residents we employ Chamonix and should be having AGM's etc? any help greatly appreciated Matt
  7. hi sorry but where do i find the SB letter? also do i send it to Robinson Way and Resolve call or just one of?
  8. Hi dx no i havent sent the SB letter yet, was a bit nervous in case it wasnt SB! but i havent spoken or made contact for at least 10 years! was suprised snotscrawl turned up!
  9. hi , sorry been away with work so put this on the back burner, just reading through my previous notes going back years and i remember Welcome or whoever owned it removed the charge on the property and i have since sold the house. I received a note through the door today from resolvecall so they have been and knocked on the door. Do i tell them to stay away and just send them statute barred letter or what? thanks
  10. Hi On the odd occassion i receive debt letters from Robinson Way regarding a supposed debt with Welcome going back 14 years. i have not contacted Welcome or RW in 10 years just receive the odd letter. (to which i never respond) today i have received a letter dated 17/02/2020 from RW stating that if i dont respond by 28/02 they will hand my account to 'Resolvecall' and they may send a representative to my house and to avoid this i must contact them. Now i dont think they can send anyone can they? ive not contacted them in 10 years, but if i contact them to tell them to 'go away' and they arent welcome on my doorstep does that then open up communication ? unsure how to play it... thanks, James
  11. Thanks for the speedy reply fodder! so as it wasnt even 24 hrs since we paid a deposit of £250 plus an additional £200 we should be able to have the full amount back? The puppy wasnt advertised at that point and it hadnt had all its injections so there were no costs incurred by the seller. She has returned the £250 deposit but not the extra we paid!
  12. 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 the next morning she contacted the seller to say sorry and can she refund deposit. the dog hadn't 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
  13. 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
  14. 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!
  15. 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!!
  16. 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
  17. 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?
  18. 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
  19. 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?
  20. 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!!
  21. 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!!
  22. 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 ****). 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.
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