Not just enough equity, and I am a carer to disabled wife, so low income. I would be interested to know how long it is taking for court hearings, roughly.

Our mortgage expired four years ago.

We have been paying interest only for a number of years (many) after the lender offered to change us from a 25 year standard repayment mortgage.

When we reached the end of the 25 years the lender allowed us an informal two year extension of the mortgage period.

This two year period passed without any comment from the lender, and we continued to pay the interest each month for another eighteen months.

A few months ago the lender decided that we must pay the outstanding mortgage, around £50k or face litigation. 

We looked into re mortgaging with other lenders with no success. (Current value around £135k)

Our lender eventually offered us an assisted voluntary sale, allowing us six months to sell, and appointed an asset manager.

My problem is,

they and their appointed estate agent seem more interested in selling at the greatest speed possible rather than assisting us getting the best price within the allotted time.

I am considering simply selling the property through an estate agent appointed by me, and taking the chance that we can sell our property before the lender can obtain a possession order. 

Any advice would be greatly appreciated.

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

As long as she gets PIP which entitles you to claim CA, then UC will have to treat you as a carer until such time as the PIP ends or is withdrawn.

Thank you.

Do DWP expect you to look for work, or more than the £120 week worth of work?

In short and AFAIK it won't affect ca.

 

 

My partner claims ca and she works as do I albeit part time.

Thank you!

Hi all

My wife has MS and claims PIP, she does not work, but does not claim any other benefits. She often falls and drops things, and is unable to walk easily. However she could be considered capable of work as she can touch her head etc.

Having been made redundant earlier in the year, I have been living on my redundancy payment, and claiming carers allowance. Funds are beginning to running short, and I am now considering claiming Universal Credit.

What I can't get my head round is if DWP decide that my wife is able to work, then how can I claim she needs me to care for her. Will we lose the carers allowance?

Thanks for any advice!

TUPE is an acronym for ’Transfer of Undertakings (Protection of Employment) Regulations 1981.

No. I have been TUPEd with this employer more than once already. He has given false information to the LA regarding liability for business rates. It is complicated, but a further company was incorporated last year in order to avoid business rates. Enforcement action is being taken against said company, which has now "moved".

No legal entity at all, Literally. The staff that remain pay themselves from the takings. "TUPEd"?.

Old one dissolved, carried on as if nothing had happened. Of course the bank account, card processing etc, frozen, cash only transactions.

My ex employer (LTD Co) has found a novel way to avoid the companies debts. The director dissolved the company while still trading, without informing employees, or any other creditor, until after the strike off. Redundancy notices were issued, but now the director is trying to avoid paying. any suggestions welcome.

Thank you!

Back to the pre enforcement stage, so I may make an offer!

Seven months on, and the LA has passed this on to another Enforcement company. Is there a time limit on the warrant?

Quote from CAB site re council tax: You can ask the court to give you a consolidated attachment of earnings order.

Can you provide a link please?

Thanks.

It does seem strange that the regulations only allow two attachements, and this is tiered, so that the less you earn, the lower the percentage, but then allows the EA to demand further funds.

Are the Local Authority allowed to do this?

Arrange two attachment of earnings orders for previous Council Tax years, yet allow the Enforcement Agent to continue action on the current year.

The attachment of earnings was arranged by the LA, after the bailiffs had unsuccessfully tried to collect previous years

Thanks for any insight here.

Hi Emmzzi fair points and all noted thanks for the welcome.

 

In my opinion and from previous experiences with the above scenario to dismiss over a theft allegation without a smoking gun has lead to major headaches.

 

We had a case some time back where the employer tried to sack one of my family members with an accusation of theft, however, due to the persistence of her rep they had to submit a full apology on discovering lies were being used and not for the first time to end her employment we felt due to her complex mental health issues which the company fail time and again to support with.

 

Also, another case I dealt with where there was an allegation of theft / dismissal, which I had chucked out following an appeal due to a technicality of members working practices in store.

 

Once again Cheers and points taken on board.

 

Bill

Thanks all.

I have very strong evidence of theft. Without revealing too much, payments are taken for a service provided. I have statements from clients who have availed themselves of a service, but the payments have not been recorded on the relevant documents.

Hi

I have an employee who 11 months ago admitted dishonesty, and was given a final written warning. I now have reason to suspect that he/she has recently stolen money from the company, and whilst I don't have completely watertight proof, there is sufficient evidence to convince me of guilt.

Would my suspicion of wrongdoing be enough to dismiss this employee?

I can't find Jacob's listed on either FCA register!

The EA removed the clamp and posted a "Notice of intentention to remove goods" through my door. I have read the regulations and can see only two reasons to abandon goods.

wrong procedure or documentation, or failure to sell at auction.

Since neither apply, and the regulations state that a vehicle must be imobilised, I can only assume that removal of the clamp, to all intents and purposes, makes the control nil and void. Any thoughts?

I would think they would have one hell of a time trying to get that through a court. My advice would be to either ignore or write back saying you have absolutely no idea what they refer to. My bet would be that any possible action may be soon statute barred, and they are trying to get you to acknowledge in some way.

Another new development.

The EA has returned and removed the clamp, but apparently not abandoned the control. I will know more when I get home.

Not got it yet:whoo:

A new twist in the tale.The car remains clamped outside my house.

My wife (the car is registered in her name) applied for a disabled badge around three months ago, and after a lot of messing around. has today been informed that her application has been approved. She will receive her blue badge in around two weeks. So that should put her firmly in the vulnerable person category.