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Everything posted by jumpjet

  1. sorry the post is so long, its a bit complictated. I do not have a copy of the rights and easments but the dropped kirb originaly had double gates and pillars. these were taken down when I applied to the council to have my frontage converted to a vehicle hardstanding. which was approved by the council. the tenant next door at the time decided that he also would like to park on his frontage and this continued until the council stopped him because he hadnt constructed a vehicle hard standing. I had. At this time my front wall at the roadside was still in place aas was next door but with no gate way allowing me to continue to use the kerb. Those tenants moved out and the tenant from hell moved in. The properties had no division between them except the footpath that continues to the ally to the rear of the properties which is the only way through to the rear. due to the problems we had with the youths unsocialble behaviour of the new tenants next door. I constructed a wall down my side of the path with a pedestrian access gate at the top of the path and a pillar at the roadside which allowed me just enough room to get in with a normal car without using the pavement. The new tenant had a young child and so the council quite rightly replaced the pillar on the nieghbours side and installed a pedestian single gate. Ok I thought back to plan A I will have to have a dropped kerb installed leaving my garden walled off from next door. then the tenancy changed again and seeing that I was parking my vehicle on my frontage, the new neighbour decided to do like wise, knocked down the new wall and wall to the roadside and started to park on the frontage of her side but this time having laid gravel as a base. But bumping up the kerb instead of using the dropped part. In taking her wall down, she left a portion of wall freestanding to which the gate was still attached which was unsafe to stand on its own. I think it was this that prompted the council to tell her to stop parking on the front as there was no dropped kerb and I had a letter also. I wrote to the council highways inspector concerned and pointed out that it was he that originally agreed to the arrangement of allowing both parties to use the dropped portion of kerb which he said did not exist. I was then instructed to replace the wall to the front of my property which I have refused to do on the basis that I have the "opportunity" to use the non dropped portion of pavement. My nieghbour knocked down the remaining portion of wall and pedetrian gateway on order to gain access at the same angle as myself and laid 2 courses of blocks to replace the wall and take away the "opportunity" to use the kerb. having stated to the council that a properly constructed wall to the front of my property simply to prove a point would cost as much as constructing my own crossover would be and not neccessary as the access arrangment was now back to where it was originally proposed as both vehicles could use it. I removed the end portion of my boundry wall in order to facilitate an approximate 10 foot gap to my side of the boundry from the original gate position. Last year the housing association who now own the properies formally council decided to do up the properties. I had a letter informing me that they were going to do roofs rendering, garden walls etc. and dropped kerbs. On e day when I realised that the workers were meeting next door, I asked to speak to them regarding their intentions regarding the access and told them of the arrangment with the council. I was told there was no problem and they were just going to apply to the highways dept to extend the dropped kerb into next door. Happy with this, no more was said. then just before christmas a represntative of the housing association and the council who I think was the original inspectors spoke to my wife and simply said that thye were going to take it away and give it to next door. I have heard nothing since.
  2. Hi, some time ago we had notification that the housing association who own the house next door were going to remove the existing single dropped kerb between our properties and "give it to next door". I have downloaded a deed plan and property register of my property and the boundry puts the joint access on the housing associations side but the register states A: Property Register This register describes the land and estate comprised in the title. 1 (15.01.2001) The Freehold land shown edged with red on the plan of the above Title filed at the Registry and being (the propertY. 2 (15.01.2001) The Conveyance dated 4 January 2001 referred to in the Charges Register was made pursuant to Part V of the Housing Act 1985 and the land has the benefit of and is subject to such easements as are granted and reserved in the said Deed and the easements and rights specified in paragraph 2 of Schedule 6 of the said Act. 3 (15.01.2001) The Conveyance dated 4 January 2001 referred to above contains provisions as to light or air and boundary structures. Looking at he section of the act it seems to say that I am entitled to the same rights of use I had as when I was a tenant of the local authority. Would this include the dropped kirb and can it be taken away without application to the land registry to alter the deeds of my property.
  3. Hi Rebel11 and thanks for replying. I dont have my T&Cs to hand and so have not had a chance to study my contract yet. In August when this started, it was basically a case of take it or leave it. MD has not confirmed the duration of cut hours and I have had no personal contact with him. All contact has been made via telephone or email with the general manager.
  4. Our employer has cut our hours from 5 days a week to 2.5 days a week. This has been in place now since 1st August this year. The cut was due to a downturn in work and as things show no sign of improving i am wondering how long this can go on for and how long he can enforce this. I/we have accepted the situation as a temporary measure, but we have had no contact from our MD as to what his intentions are. I have been with the company for 10 years and presumably would be entitled to a redundancy payment but dont know how this works.
  5. hi all, As expected, Wescote have sent a letter (for our benefit) to ensure that we are paying only what we can afford. When they first had the account transferred to them I emailed them to organise continued payments under both our names but they would not deal with me only with my wife directly stating that the account was not in joint names and therefore without her confirmation I could not deal with them. they are now asking for income and outgoings, I am sure I have read elsewhere that if the debt is in her name, there is no need to declare any of my income to them and any payment plan can be based only on her finances. Can some body help to confirm this. Obviously payments would be more affordable based on one income. Not trying to get away with anything, just ease pressure.
  6. well I want to make sure they have no excuse to make trouble.. we've not heard from them yet but according to BOS we are still paying through stepchange and we havnt for years. I probably will sent a request.......you never know.
  7. Thanks DX! I am impressed! Yes, We did get the PPI plus interest returned and so reduced the debt by about £1500. We were paying the remainder at £10 per month as per the original agreement then last year BOS starting getting shirty again. Pretending they had been trying to contact us and demanding payment in full. We reminded them that it was not up to us to to instigate a review of circumstances, doubled the amount we were paying, complained again to FOS about their tactics and its all been quite for about 18 months. I'm assuming now that they consider anything they do will result in them being seen in a bad light and so they've passed it on so someone else can have a go. I have emailed westcot and confirmed that continued payments will be made directly to them from next week and asked them for details to enable us to set up a standing order. Just have to wait and see what they going to do..............bound to involve more money! Thank You.
  8. Looking at the letter again, it states that the "managment of the account has been transferred from Blair Oliver & Scott
  9. Hi All, We have just received a letter from Bank Of Scotland informing us that our account balance has been passed from Blair Oliver & Scott to Wescote Credit Services. This account has been paid via a payment plan without default and was originally sum £7,000 and has reduced to £4,900 after recalculation and refund of PPI. We had our SAR and credit agreement returned to us a long time ago and at that time we increased our payments of £10 p/m ( which were being made the the CCC,s) to £40 p/m when we made an agreement to pay ourselves. We have not heared from Westcot as yet but no doubt we will shortly and from what I’ve read they seem to be one of more aggressive DCA’s. We withdrew our permission for Blair Oliver & Scot and Bank Of Scotland to pass our data on in our first round of battles so my first question therefore is whether they should have been passed the debt at all.
  10. Hi All, We have just recieved a letter from BOS. asking us to telephone them regarding a payment plan. They have already been informed that they cannot do this as we have asked them to correspond only by letterand the balance is in dispute untill such time as the PPI is taken off the balance and our true liability is expressed. We have sent them our payment schedule and have been paying them at the rate of £40 per month opposed to the original £10. We have asked them to state their acceptance of our payment offer and they have not done so. The letter states that the " disscussions" will take account of our present circumstances and if we dont contact them within 5 days they will have to take further action to recover the debt which may include the use of door to door collectors. I now want to write to them to tell them not to do this. Could someone point me to a template letter which will stop them in their sending collectors. I am sure I have read they are not allowed to do this without my permission.. . so We neeed to let them know. We are also about to make a complaint to FOS re: PPI and their continued attempts to get us to call, But they have totally ignored my request for balance reduction to reflect PPI so havent actually refused. My previous letters admit a liability to pay the principal of the loan. .hence the additionl £30 per month but not the PPI as "lumped in" and have sent them a schedule of charges via the spread sheets. for both 8% and their own 19.6% contactual. I dont want to get this wrong as they seem intent on pushing for more so need to get this letters off quickly. Thank You.
  11. We have still not recieved a reply to our payment proposal and have been making payments at £40 per month as opposed to £10. We have just recieved a letter from them which says thank you for your payments.....we now require the full balance. to prevent further action: Pay the balamce in full. call us now on our helpline number to discuss repayment of the account balance. We have sent them our financial schedule and increased the level of payment X4. we have also told them we will correspond only by letter. It would seem they want us to phone them only.
  12. we have now had our data via SAR. and have entered all into the spread sheets for both 8% and 19.6% APR. as per the original agreement. what we are unsure of now is who we should dispute the balance to. The original creditor GUS Finance. whom the loan application was made to. Or BOS who are the DCA. but Bank of Scotland advanced the loan. also, should we have recieved confirmation of our payment proposal after sending our financial schedule. We are making the new payments but have had no response as to whether or not they accept it. Should I write to them ans ask for their confirmation?
  13. The reason for looking at the PPI is to one, reduce the balance as much as possible and two. .. to hopefully dispute the amount of the debt and have it substantially reduced. Hoping that if they do try to take further action they cannot claim what they say the balance is because the PPI part is in dispute. Just trying to cover another base if you like.
  14. Hi Bankfodder, We sent a CCA and SAR. They have sent agreement and and it is the same as We had on file GUS Finance. we have recieved 2 Do not ignore letters.. ..one came the same day as the CCA and the other after a phone call from them where they were told that we would not speak with them and correspond only by letter. We returned a financial schedule dowloaded from the Debt helpline site with the information that it was more detailed than their own version. Also, we have increased payments from the return of the schedule to £40 per month. we are waiting for a response to this offer which we know they have recieved because SAR, CCA and schedule allwent in the same special delivery envelope. Also wrote to them objecting to the comment that they have attempted to contact us and we have ignored them.
  15. I have been reading as much as I can digest regarding reclaiming ppi on this account and I am still confused. Would my claim be against the original creditor for the full amount of the ppi applied plus interest over the past 9years or would my claim be based on the original loan amount without ppi and claiming back the ppi only on what Ive paid off the balance (around £2000).
  16. Hi all, I have now recieved a copy of the credit agreement for this account and It shows that PPI was added at the outset. As they have the agreement, I do not think I can do much about continuing to pay, but I would like to reduce the amount as much as possible by reclaiming the PPI and have it taken off the balance. I have looked at some of the methods of calculating this but not sure whether I should base calculations on the original balance or current balance and also how many years I can apply interest. Is it calculated over the original period of the loan IE 60 months, or since the date of the agreement (which would be 9 years) I,m getting some very strange results, as it appears that with interest, using Consumer action group wiki interest calculator, the debt would be paid off. I dont know if I'm doing something wrong! Date of agreement 9/01/2003. Loan 4300.00: PPi 1591.60 over 60 months.
  17. Does anyone have a direct contact name for BOS rather than the P.O. Box they put on each letter?
  18. I have now received a financial statement form from BOS. I am wondering whether I should use this form or a form as produced by one of the debt charities which may be more specific. Also, what would be considered as acceptable expenses with regard to travel costs? I have elderly parents whom I visit twice who live a week some 90 miles away. Would expenses covering these be acceptable.? We also have an Epeliptic dog who,s medication amounts to £200 per month. (I know a needle in the paw would be cheaper, but what can you do!)
  19. Link to credit agreement http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=3147&d=1216060903 The original debt relates to a loan from GUS finance Ltd.
  20. Hi Bankfodder, Jumpjet is fine by me! I have now found all the info I have on this debt: Statements of account showing payments of £10.27p from 03/10/2008 to 07/12/2012. from hspf (Home shopping personal finance Ltd. an acceptance letter for installments to be paid at £21.23 dated 21/9/2006. A Cccs credit summary of payments to creditors listing BOS as recieving £21.23. dated 1/08/2006. A letter from us informing them that we were going to pay them £12.15 per month directly when we stopped the DMP. 18/08/2008 I do not have any record of them accepting a payment of £10.27 from 03.10.2008 to present. This amount has obviously been calculated as it is an odd amount, but I have'nt a clue where this figure came from! I can only assume that it must have been arranged on the phone. Would it be worth sending a SAR?
  21. OK no problem. I will have to dig out the paperwork from the time before I can let you know any details I have regarding any agreement. All I can say at the moment is that we have reciebed no correspondance until now. As soon as I have the details i,ll let you know. Thanks again.
  22. http://www.consumeractiongroup.co.uk/forum/member.php?58791-[problem]pjet Heres the previous thread. thanks
  23. thanks bankfodder, The balance stands at £7,980 according to the statment. We started looking in to this debt at the time under the thread Scampjet-v-blair Oliver & Scot, but after everything had settled down and we had successfully fended off all our other creditors, didnt pursue our options as they seemed to be no threat. Under this thread I posted up the credit agreement for opinions etc. PPI appears to be lumped in wiitj the original loan. I tried to post by replying tothe original thread but nothing came up for some reason. Maybe because its noe titled [problem]jet -v-Blair Oliver & Scot. I dont know if the 2 threads can be combined again?
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