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Posts posted by exeterbay

  1. 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



  2. 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



  3. 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?



  4. 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...




  5. 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!

  6. 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

  7. 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!!

  8. 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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