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Swill26

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About Swill26

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  1. I learnt the hard way, please do not assume that legal aid is free, and do ask for written quotation of likely cost for your case in advance regardless self funded or legal aid. After all you may end up paying it all back so it is in your interest to find out and question everything. Legal firms use Legal aid as licence to charge and claim high cost without informing the client how much all unnecessary appointments they offer so frequently, every call, every letter all are billed to LAA on your behalf. Legal firms may indicate 'it's all taken care of, you don't need to worry about the cost and not inform the client of their actual fees, keeping the client in dark, until later when final defence cost is finally submitted and you get a nasty surprise bill. DO NOT BE DECEIVED. Which is wrong, they have the legal duty to fully explain to you their fees and how LLA grant works i.e income contribution and capital contribution and if you are liable and most importantly the collection methods used by LAA which no one tells you, is the most nasty part of it all. Debt collectors chasing or rather hunting you, its like out of the frying pan into the fire....most horrible feelings WORSE THAN BANKS AND LOAN SHARKS MAYBE.
  2. Will I ever recommend anyone to apply for legal aid grant? NO! -It's a loan not a grant, its a repayable debt and bit misleading with words GRANT. It would probably be cheaper to pay yourself, shop around for value for money Solicitor, The Bar Pro Bono , Law Centres other alternatives etc. -No if you do not want a debt hanging over you years after. -NO if you do not want a surprise demand for payment chased by debt collectors. -No if you a home owner and have equity more than 30k. -Check how much equity in your property BEFORE you apply and get high street estate agent valuation keep it as evidence in case you are challenged later. -No if later you do not want to be chased by aggressive ROSENDALES/bailiffs- chasing for debt, threatening you with home visits, threatening to remove goods and enforcing a charging order on your property. -YES ONLY if there IS no other alternative for you to cover cost YOURSELF. -Workout your liability to pay under income base and under CAPITAL CONTRIBUTION ORDER. -Shop around for value for money solicitor, get a written quote for likely cost in advance-you do not want nasty surprise bill. I learn the hard way.
  3. Definitely will donate. This site really did put me in the right direction and gave me some hope to fight and keep going.
  4. Hi I am pleased to inform you that LLA after complaints and sending evidence of valuation of my house for 2010, have now accepted my liability to pay CCO is nill. I thank you for your kind support and guiding on this thread/forum, where I learnt previous case and followed steps and advise given. Thank you for lending a listening ear. IT WAS VERY FRUSTRATING 6 MONTHS. I appreciate your kind support. Priced out of justice......VICTORY......
  5. I took your advise and dealt in writing only. Thanks, will try.
  6. For ease of reading re posting earlier post as unable to edit, sorry!. Sorry for a long period of silence, Ive been frustrated with letters back and forth from LLA and rosendale. After following the stage 1 and 2 complaint procedure, the LAA still insists I am liable under the CCO as my property have more equity after rosendale did further investigation than the figures I wrote my property was worth at the time of legal aid application. As for LLA providing the copy of my legal aid application, they say 'they cannot provide as after 3 years the courts destroys the applications'. Yet to review my liability I was given only 28 days to provide evidence, a mortgage statement for 2010 and two high street estate agents valuation for the year 2010. My estimate valuation for 2010 was very close to both the actual sold price on land registry and estate agent valuations leaving me with little next to nothing in equity. I have sent evidence and hope that this is the end of unfair demand. Thanks for all your advise and for a listening ear.
  7. Sorry for a long period of silence. After following the stage 1 and 2 complaint procedure, the LAA still insists I am liable under the CCO as my property have more equity after rosendale did further investigation than the figures I wrote my property was worth at the time of legal aid application. As for LLA providing the copy of my legal aid application, they say 'can not provide as after 3 years the courts destroys the applications'.:shock Yet to review my liability I was given 28 days to provide evidence, a mortgage statement for 2010 and two high street estate agents valuation for the year 2010. My estimate was very close to both the actual sold price on land registry and estate agent valuations. I have sent evidence and hope that this the end of unfair demand. Thanks for all your advise!
  8. Hi, For only peace of mind, I posted a complaint letter and in which informed ROSENDALE that I was have made a complaint to LLA directly and would like to deal them directly as the debt owners, Why is it taken 7 years for the first ever notice to be sent? And finally, any contact should be in writing by post only. However, instead of replying to my complaint a few days later, they've posted notice of INTENTION to enforce contribution order UNLESS a suitable payment is made in next 7 DAYS. And no reply yet to my complaint email sent to LLA either. Feeling frustrated and stress
  9. Hi, I've emailed stage 1 complaint to legal aid. Should I also write to Rossendale? I do not want them harassing me about not replying within 28 days or coming to my door.
  10. Thanks for that, I've taken added relevant points and letter as a template to use for my own situation.
  11. Hi, Thanks for your help, I'm drafting a complaint letter taking points from the previous thread, and will send it off soon.
  12. Yes, I have a mortgage in my sole name, with equity. I have 2 dependent kids, so should the equity be divided into 3 parts?
  13. Hi, I was wondering if anyone can help me word a strong letter to the Legal Aid Agency and/or share a good template. please. Thanks
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