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cavvy

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Everything posted by cavvy

  1. hi recently moved back in with my mum and we are thinking of adding my name to the house deeds so things might be a bit easier in the future if one of us was to pass away the property is mortgage free so was just wondering if I need a solicitor to sort it or can I deal with land registry direct? thanks
  2. my only other worry is you sign for vacant possession and could it be argued that as some material is on the land belonging to property I should have cleared that area even though rubbish wasn't mine?
  3. hi yes answered all questions honestly to the best of my knowledge I did reply if it was in structure surveyor should have picked it up and as I mentioned buyer viewed property several times so assumed he was aware I believe the material is asbestos roof panels? not sure of the legalities 're those I get the feeling he is getting his solicitor to send a couple of letters to try and scare us although had an e mail from my solicitor saying would I agree to pay half as a compromise but felt this was them wanting an easy life and not really interested in me! any further thoughts most welcome
  4. hi not sure if this is the correct place for this but will post up and see what happens last year I sold my house but have recently received a letter from my solicitor claiming asbestos has been found to the rear of the property and the buyer wants me to pay to remove it when I moved into the house some ten years prior there was an area to the back of the house next to the garage which was fenced off and I assumed belonged to the electricity board who owned a substation next to said area.this area was full of rubbish and could easily be accessed from the rear for more dumping to take place it was only in later years I found out half the small area was actually my land but as it was pretty much dead space I never bothered doing anything about it during the course of the sale the buyer viewed the house multiple times including bringing a builder and all through negotiations seemed to want every last drop of blood from me! I have had one letter which states the asbestos is within the garage structure even though this was brick walls with wood/felt roof yet the quote provided only mentions some asbestos to the side of the garage my point is I do not see who can be shown to legally own the said material and also that it could be moved from one side of the boundary to the other quite easily also the conflicting info 're its location confuses me one final point during the course of the sale it seemed as if the buyer was planning to rent the garage out as a living space is this legal? apologies if this is a bit confused but I would appreciate any help or advice and any questions just ask many thanks
  5. hi they seem to be saying if they interview her they can make sure she is in receipt of everything she is entitled to ,which in principle seems to be a good idea however you worry that it may be an attempt to snoop,not that she has anything to hide but just could do without the stress at the moment we havent heard anything for a while so i also feel they have stopped her claim for the time being
  6. hi all just wondering if anyone can offer some advice re my mother in laws pension credit application basically back in june my father in law suffered a severe stroke which has left him partially paralysed and unable to speak,he has gone into full time residential care and unfortunately my mother in law has now lost his pension and some of his dla money so we were advised to apply for pension credit for her when i first enquired i was told a representative of the benefits agency could visit her and sort everything out but basically she is elderly has just suffered all the stress of the stroke and its aftermath and doesnt handle/understand interviews or officialdom very well !! i told the guy this and he said dont worry then just apply online so we did that but she then got a call again requesting an interview and although she agreed without really realising what was happening,she then cancelled as it was scheduled for the same day as an important operation for her husband.the lady who she spoke to was very off about the cancellation and seemed to suggest they could not process her application without the interview so my question is do you have to be interviewed at home in regards to a pension credit application or can you refuse this? has anyone got a draft letter i may use to find out the situation and to decline said interviews requesting the application proceed as a postal one only? many thanks for any help and advice
  7. hi all looking for a bit of advice please re tax credits had a letter from hmrc earlier this year as we had made an error on our claim form and received overpayments.they then sent another letter stating the overpayment would come out of our future awards,however today have received another letter demanding full payment within a month !! will ring them as soon as i get a chance but just wondered if anyone had come across this before.the demand letter is from scotland and not preston who i normally deal with any advice much appreciated
  8. hi all yes its another tax credit overpayment question im afraid just had a letter from tax credits and it looks like we have made an error on our income declaration so they are saying we have been overpaid the last two years have been reading the forum but my two main questions are if i check my records and there are more years where it is incorrect is it best to declare these now? also if the overpayment is a significant amount will they still just take it back from our ongoing award or will we have to make other payments? finally is there anywhere i can check the basic levels of tax credit in relation to earnings? thanks for any info or help
  9. hi all well it looks like my wife and i may be splitting up so i am looking to move out,may move back to my mums for now in the short term my question is at the moment my wife is the only wage earner and i look after the children,obviously i will now need to start claiming some sort of unemployment benefit but am worried if i move back in with mum will this affect her pension payments as i would be contributing to her income thanks in advance for any help
  10. hi all thanks for replies so far,have sent my e mail complaint and have had all the correct acknowledgements back from them in answer to a couple of questions yes we took readings on moving in but gave these to b gas as we wanted to change and my mum sent the cheque to first utility not a debt collector will update as and when i get anything back thanks
  11. the solicitors letter was from a company called new hampton law,although it didnt look very well done to me unfortunately my mum didnt catch the name of the debt collection firm thanks
  12. ok here are some more details my mum moved into a new property on oct 3rd which was supplied by a company called first utility on oct 21st she switched to british gas who she prefers to use she received an estimated bill from first which was way in advance of anything that is on her meter even now ! contacted them and they blamed b gas,contacted b gas and they blamed first. b gas have insisted it is now resolved and she is paying her b gas bills no problem but was still getting demands from first, she sent them a cheque without my knowledge for part of the bill hoping to bring the harassment to an end then last week she got a solicitors letter,and this week a call from a debt collector! obviously i am not happy about the treatment this firm are dishing out to an elderly lady living on her own hence i have decided to make things formal. but not very skilled at this type of thing any help or advice most welcome thanks
  13. hi all i have been advised to begin a formal complaint against first utility on behalf of my mother with regards to them claiming money which is not owed can anyone advise me on the procedure,help with e mails or template letters at all has anyone dealt with this company before as my experiences so far seem to suggest a very poor bunch many thanks
  14. hi all i have started the ball rolling against cap 1 with regards to unfair charges received my duplicate statements back but i notice that after a while they changed the charges from £20 to £12 my question is can i still claim for the lower charges or just ask for the higher ones back? thanks for any pointers
  15. hi all i recently got the ball rolling against hsbc to try and reclaim my old credit card default charges i fired off the first letter requesting copy statements,received a holding letter virtually straight away and today have received an offer from them of all the charges plus 50% on top!! we are not talking a huge sum involved but they seem to have caved in immediately i am just a bit suspicious of there motives,is this too good to be true or is this quite often the way they deal with these things now finally should i accept? thanks in advance for any guidance cheers
  16. hi all thanks for responses so far i will check signage when i get a chance ticket was issued by the local borough but i noticed on the back in small print it said issued by apcoa? on behalf of the borough im a little bit peeved because my wife says she was only just out of bay and she had to leave some gap as she had her disabled father with her and they were using his blue badge,so was tempted to appeal anyway to see if they had a photo or not,and we could argue there were lots of spaces vacant all around her vehicle thanks again for any advice
  17. hi all my wife received a parking ticket today in the local station car park for parking just outside one of the marked bays,she says she was literally just over the line and the car park section she was in was virtually empty! i was just wondering if we have any grounds to appeal or not,the ticket is headed as being issued by the local borough but it also states that it is issued by another company on their behalf any help or advice most appreciated thanks
  18. ok thanks for the advice and info will keep you posted
  19. hi all just looking for a bit of advice re the title i used to have a current account with the hsbc,i then started an unfair charges claim against them and cleared my overdraft completely except for the £750 that was the amount of my claim this ended up on my credit file as a default even though i cleared it on receipt of the first letter from a dca obviously i think i made some mistakes in my handling off this but i basically want to know if i have any chance of getting it removed and if so how i go about it? many thanks for any info
  20. hi all i am about to start an unfair charges claim against cap 1 but am not sure where to send the first letter as i no longer have the card anyone know the correct address to start the ball rolling? many thanks
  21. cavvy

    hsbc ppi claim

    hi all i am about to start a ppi claim against the hsbc on a loan i had with them but am not sure where to send the first letter? would it go to my original branch even though i no longer hold an account with them? thanks
  22. hi all just to say many many thanks to all posters who have left some very informative and helpful posts concerning this matter to clarify the situation the scooter had not been used for a few months prior to my dads death,when my mother asked me to look into selling it i charged the batteries but the scooter would still not work working on the assumption it needed new batteries and some kind of repair i approached the company who my father had bought all his scooters from in the past they said they would replace the batteries,carry out any repairs and for a 15% fee would advertise and sell the scooter they also said it was a popular model and they would expect to achieve between £600 and £800 obviously in hindsight i should have got something in writing but due to the field in which this company operate i was naturally very trusting even when they collected the scooter no receipt or any other paperwork was issued i saw the scooter on the website advertised for £800 although assumed it could be an or near offer type of thing after the sale and when my mother received the cheque i was surprised she did not receive a breakdown of the transaction so e mailed the company reguesting one when they replied basically refusing to supply one i was quite surprised and this was when alarm bells started ringing,i mean they could have easily falsified a breakdown to bear out the figures but to just refuse seemed odd i have had a chance to chat to my mother concerning events but to be honest this is just another thing to keep opening up old wounds,particularly as the scooter was so closely linked to my father that at the moment she is content to leave matters be and try to move on with other things i would look forward to any further advice or comment in the hope it could help or advise others who may find themselves in a similar position so once again thanks to all for the excellent posts:)
  23. ok buzby thanks for the excellent reply that has cleared alot of questions up i think my mother and i will have to write this one off to a bit of inexperience in these matters once again many thanks
  24. the only letters we have are the one which came with the cheque and the follow up one when i asked for a full breakdown of the costs and they skirted the issue the scooter was up for sale at £800 i know it needed a repair and new batteries and they were taking 15% but to be only left with £75 seems a bit strange will contact them again to try and get a list of costs and if no joy as said earlier i will contact cab and trading standards
  25. hi all not sure if this is in the correct place but will see if any one can help my father passed away last year and due to disability he used to have an electric scooter it hadnt been used for a few months prior to his death and afterwards my mum asked me to try and sell it i contacted the company who my father always bought his scooters from and they said they would collect it repair it and advertise it for a percentage of the fee we agreed to this and i saw the scooter on their website for sale it sold recently but the balance they have sent my mum seems very low compared to what we were expecting we have asked twice for a breakdown of the transaction and they are avoiding giving one out which makes me a little suspicious the problem is we never signed a contract with them for the sale and have no paperwork whatsoever apart from a couple of letters if anyone can shed any light on our legal standpoint that would be most helpful i will probably be contacting citizens advice and trading standards to see what they can do thanks
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