Hello,I have been trading through and LTD Company for the past 7 years. This year I have had some big personal expenses and because of that haven't been able to put away enough money to pay the CT. I have not submitted this years Final Accounts to Companies House and as such I have just recently recieved a Notice to Dissolve my company from CH. All my other tax liabilities are up to date PAYE, NI and VAT.I have read somewhere that if I let the Company get Struck off, the CT liability will die with it? I wanted to know whether this is true and also whether I would be able to open another LTD Company and carry on trading with a fresh start? What will happen after the company is struck off. Will I have to explain to an OR what went wrong and what will I be liable for? I had every intention to pay my taxes but if this will give me a chance of a fresh start i would like to take it. The company owes about £13K in CT and £2.5K on a company credit card. I would like to pay the credit card before the company got struck off, what would the consequence of that be? Obviously if I want to run another LTD I would need a bank account so I want to pay off the credit card so as not to mess things up with the bank. As it Companies House that has issued the notice, do I still need to inform my creditors? Any advice will be very much appreciated.

I've moved into a student property while I'm at university and live in a shared flat. The house is a 3 floor house with each floor having flats. In my flat our landlord advertised the tenancy with Sky TV & tv licence included in the rent. Last month all of us noticed tv licence letters coming through the post. As it was easter we ignored it. I opened one today as it was just address to the occupier and it says they're sending their 'manchester' enforcement team for a visit due to non response. As a student what can I do? I'm the only one in the house who has the Sky in my room but it was advertised in my bill by the landlord. The other tenants have tvs too but just use it for x box and stuff.

There was a party at the flat above mine and as a matter of fact their floor went down and through my ceiling, creating a huge hole and setting me and my friends that were on my house in danger. My contract states that the landlord has to maintain the property in accordance with the Health and Safety Regulations at Work Act 1974 to ensure the safety of the tenant and the tenant's invited guests,visitors or the Tenants familly. Firebrigades came and used acrow props in my kitchen and sealed my kitchen as it was stated as "unsafe structure" and now I dont have access to my kitchen and living room. The estate agents told me that we will need to move to another house as this one needs to be repaired. My question is: Is there any refund for the loss of amenity, the inconvenience, and the danger that this incident caused to me and my friends that i can claim from the landlord? How do I need to proceed next? Thanks

Hi I have rented a house for the past four years and am happy with the conduct of the estate agent and response to issues I have highlighted during this time. Within the last week both the washing machine and fridge freezer have broken down. The estate agent has told me that the landlord will not be repairing or replacing these items and I will need to go and buy my own new appliances. These two were in the property when I moved in and are listed on the inventory. I selected this house as semi furnished as I didn't and still don't have the money to go and buy my own. I don't want to make an issue of this if its going to result in my rent going up but id like to know where i stand on this issue. Any advice would be greatly appreciated. Thanks Steve

Evening I am trying to search for Govt grants to help cover the costs of re-configuring a property. Relative has dementia. Spouse is sole carer - and it is really too much work for them. I want to get financial help to convert relative's existing home to make it more user-friendly for them and their spouse. There is currently no downstairs toilet/bathroom. Soon relative will no longer be able to get upstairs to sleep or bathe. I would like to reconfigure parking and garage space beneath relative's house to add a bedroom, bathroom and toilet. There are already two rooms - a bedroom and bathroom - above the car parking space so with the additional single garage there would be plenty of space to use, to create a very user-friendly area for this relative. We would also like to consider a live-in carer. Are there Government grants available to help with the cost of converting relative's house ? And to help with the costs of a live-in carer ? Where do I look?

Hi, Like most people say, we've got ourselves into a bit of a mess and worried. Hopefully you will understand what im trying to say. I moved in with my gf five years ago into her nursing accomodation studio flat which is meant for one person only (stated in contract) so we can't really say I live here as it will be breaking the contract. She receives a single occupancy discount and because the flat is only for one person I don't think we can tell the council that I've been staying here so they can remove the discount. Before I moved in with her I was living in a house share in London and as we started to see each other the house where I was sharing was being sold so I had to move out and thought I'd move in here and didn't think the relationship would last this long. I know it's not an excuse but that was my thinking. Now we are trying to move and buy a house together and worried that everything will come back on us. We are looking to buy a house through barratts homes at the moment but we can only get a large enough mortgage with both our names on the mortgage application. My gf would be the primary applicant on the barratts form and me the secondary, would they do a background check on me or is it just the primary applicant? I've looked at some council tax registration forms where they ask for the primary person name and address and how many people are staying at the property. Would the council ask for my previous address or need my name when registering? I know this is wrong but Im just after some knowledge or advice if any. We are not receiving any benefits and do pay the council tax monthly, I'm just worried regarding any background searches just because of my address. The only thing I can think of doing at the moment is changing my address to a 'care of' to my parents address. Thanks in advance rob

Hi I'm just after a bit of advice on what to do. I moved to Oz a few months ago and recently rented my house out in the UK using a letting agent. I owe around 40-50 % of the property value. I just have a normal repayment mortgage on the property and did not advise the lender of my intent to rent. I was about to advise the lender that I want to rent it out and ask for their permission and I understand they will probably put me on a higher rate. I have no problem with this and can afford it without any issues but I am worried what will happen if they refuse? Can they repossess the house if they find out I am renting it out without their permission? Many thanks

Our house is due to be repossessed after we both lost our jobs. Whilst we are no overly concerned at having to move out as we have been struggling to pay for utilities etc. for the last 5 years and to be honest it will be a relief. We are currently not in debt to any of our utility companies. My concern is that as the house now has negative equity will the mortgage company be able to apply for an attachment of earnings against our pensions when the house is sold. My husband has a small private pension and we will both qualify for our state pension later this year other than that we have not other income or savings. As we will have to rent a house I am worried that we will not be able to afford to live if the mortgage company can take our pensions.

long story but try to cut short, I had to move to London to secure work and be near sick mother in late august, I rang my lender, Halifax in early august asking for them to allow me to rent it out due to gaining work and being near sick mother and will be working away from now and be very busy with a sick relative too, I even gave them my new mobile number, as commuting would be horrendous and made more sense to rent it out, I was told to ring them back in 10 days once my request was put in for an answer ...they refused... I've been with friends living during week in London since and come back now and then to my house at weekends in first few weeks, but it was getting harder and harder to do this so sometimes I would not be back at house for 5- 6 weeks at a time..... Back in 20110 I got into arrears with my mortgage, but with mutual agreements with my lender I paid more on top through whole mortgage term, it never went to court. Now this august I missed a payment, first one ever since 2010, I had told them this on telephone, said I would pay it as soon as I could, I didn’t. anyway, I asked a friend this weekend to go to my house to collect mail as I had not been there for many weeks ( stupid I know, but it’s the way it is) when they went, they could not get in!!! keys would not fit locks, a neighbour spoke with friend who said someone was there other day and changed locks... so when I was told this I was scrating my heads for a while, I just could make head nor tale of it, what reasons... I nearly called police, but occurred to me to ring my bank, turns out all they could tell me only this as its a Saturday was, my homes been repossessed for one late missed payment, and I have to wait till Monday to speak with legal team part, as its not open at weekends... I’m in a complete panic here, I have ONLY missed one payment, due in August, and I’ve paid Septembers. Paid Octobers too.... how the hell, I know I should have got mail redirected, I know, so obviously I have letters about this, but I just have not had the chance to get to them to read as been working away and looking after sick mother too. I dont understand whats gone on, except they must of wrote to me, and because Ive not been around Ive not see the letters of threat of court actions, so I have not had any chance to contact them back and defend myself, and because of this they gone and got repo because I didnt even turn up at court. What can I do , I really need advice, what do I say to Halifax legal team first thing Monday Morning??? Help

Hi all, I have around £500 gift vouchers for HOS, they expired on Nov 2011. An initial call to HOS, and they said "we will not renew the vouchers they are not valid anymore"."It says clearly that they have expired" My question is are they allowed to get away with this. They have my £500 pounds and effectively have withheld my credit. Can anyone tell me what the law on this is and how I can proceed with Dealing with HOS? Best Wishes BB

Hi everyone, First time on here any help would be greatly appreciated. Had a credit card with Virgin , MBNA, and ended up with just under 6000 owing on it. Self employed and ended up not being able to pay monthly repayments. After debt being sold to god knows how many different companies ended up with IDR finance from Wales. Made offers of payments, all refused. Below is a time line of following events, really worried now and don't really know what to do or who to turn to. SEPT 2012 sent claim form for CCJ from Northampton County Court.(admitted full liability) OCT 2012 Judgment passed. Repayment of £20.00 PM to be paid. Standing order set up to pay, ongoing no payment missed. DEC 2012 Letter telling me they were going to different court for a reditermination hearing. FEB 2013 Judgement passed. Pay full amount forthwith !!! FEB 2013 I sent in form N245 (I think) it cost £40.00 and had means test on it with my offer of £20.00 PM(filed within 14 days) FEB 2013 Letter from IDR telling me they have applied for a charge on my house. The time from sending in form to the court and receiving letter was 5 days, so they may have overlapped. What will the charge do?. Can they force me to sell. Many thanks All

Hi, I currently live in a 3 bedroom rented property with my wife and two dogs in Leicester, we were very fortunate to find a private rented property that allowed us to have dogs in the first place. We pay £575 rent per month and having lived in rented property before this house is not up to rentable standards however the landlord is "mates" with the letting agency he uses so all is good as far as hes concerned. As I said they allow us to have dogs and pretty much allow us to do as we like with the house in terms of decorating etc so we dont complain. However when we approached him to replace some of the cold single glazed windows last year he replaced two of them and told us that money was very tight and could not afford to do anymore, he also scrimped on a new boiler previously. My wife is expecting a baby in 6 months and I want the house we live in to be of a good standard but we love the house were in purely for location and also has a big garden for the dogs. How would/should I go about making an offer to the landlord to buy the property and take over responsibilities of replacing doors, windows, carpets etc? We do not have enough money at the moment for a mortgage so were thinking of maybe a part let part buy offer? Or maybe taking out a loan of maybe £10000 and starting him off with that, any suggestions of what to do? We really dont want to move as we wont find anywhere that lets us have pets.

Hi, I have found a nice house that I'd like to rent. The landlord is going abroad for a year and has asked me to pay the council tax and bills directly to him. I understand that this is not commonly done and have a few questions I'm hoping someone can help me answer: 1. I suspect that the landlord has not received permission from his mortgage lender to rent out the house and that that's the reason for not wanting to allow me to pay the council tax in my name. If that is the case, how would this affect my rights as tenants? In other words, if he is not allowed to rent out will my tenancy agreement with him be valid should problems arise between him and his lender? 2. In the event of a fire or a break-in, will our contents insurance be valid if the overall building insurance isn't valid because the landlords failed to obtain permission from their lender? 3. Can I be listed on the electoral roll if I'm not registered as an occupant at the address (e.g., through paying council tax in my name)? Would a lease agreement be sufficient for this purpose? Does the electoral roll office and council sync their data? I was ready to sign the agreement but I now feel nervous about the implications of this. The landlord seems very nice and honest, but I would also understand if he is trying to avoid getting permission since it might increase his mortgage. The question is how it affects my rights as a tenant and whether it's risky for me to go along with this arrangement... Thanks for any insight or advice you might have!

PLEASE READ & PASS ON – IMPORTANT Insurance is a wonderful thing when it works, but read the cause of this fire - you may be surprised. Please pass this one along to your family and friends. House fires - please read The original message was written by a lady whose brother and wife learned a hard lesson this past week. Their house burnt down.. nothing left but ashes. They have good insurance so the house will be replaced and most of the contents. That is the good news. However, they were sick when they found out the cause of the fire. The insurance investigator sifted through the ashes for several hours.. He had the cause of the fire traced to the master bathroom. He asked her sister-in-law what she had plugged in the bathroom. She listed the normal things...curling iron, blow dryer. He kept saying to her, 'No, this would be something that would disintegrate at high temperatures'.. Then her sister-in-lawremembered she had a Plug-In, in the bathroom. The investigator had one of those 'Aha' moments. He said that was the cause of the fire. He said he has seen more house fires started with the plug-in type room fresheners than anything else. He said the plastic they are made from is THIN. He also said that in every case there was nothing left to prove that it even existed. When the investigator looked in the wall plug, the two prongs left from the plug-in were still in there. Her sister-in-law had one of the plug-ins that had a small night light built in it. She said she had noticed that the light would dim and then finally go out. She would walk in to the bathroom a few hours later, and the light would be back on again.. The investigator said that the unit was getting too hot, and would dim and go out rather than just blow the light bulb. Once it cooled down it would come back on. That is a warning sign The investigator said he personally wouldn't have any type of plug in fragrance device anywhere in his house. He has seen too many places that have been burned down due to them. PLEASE PASS THIS ON TO ALL THE PEOPLE IN YOUR ADDRESS BOOK.. NOT ONLY COULD IT SAVE SOMEONE'S HOUSE, BUT IT COULD SAVE SOMEONE'S LIFE

I won a case in the small claims in November 2011 because the defendant didnt show up. At the time he lived in rented accomadation and i understand that to possibly still to be the case. I visited the old address and was told he moved out before the court case was heard .However he has filed a tax return shortly after the judgement from the original address. the new tenants of the property seemed to know him and were a little obstructive. What do i have to do now, Trying to get constructive advice has repeatidly failed and CAB have not been any help at all , i think because its not a straight forward situation. The outstanding debt is £2000.00 and he works 9-5 for a company but i think he is classed as freelance. I'm also aware that he has gone to considerable trouble to hide his internet activity since the case. Any ideas?

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

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

Good news but will it achieve anything? Just an addition. The debate should be live on the Parliament channel. Ill check and report back Michael Meacher States: January 9th, 2013 I am very pleased to announce that the elected Back-Bench Business Committee in the Commons has now arranged for a full 3-hour debate on Atos work capability assessments to take place in the main chamber (not in Westminster Hall where there has already previously been a debate on Atos) on Thursday 17 January starting shortly after 11am. I have already spoken to a large number of Members of all parties and am assured there will be a big turnout, so that people in a large number of constituencies (perhaps as many as 30) will be directly represented in the debate. I hope the speeches will cover a great many cases, though tragically there are so many hundreds of horrifying accounts flooding into MPs’ that not all of them can be specifically included.

Hi We live in a 2 bed terraced house with single glazing and night storage heating. We pay £500 rent/month We had to turn off the night store heaters over 2 years ago due to being unable to afford to run them. However wqe have now had to resort to putting them on and have endured some very cold winters. Today, I know it is cold outside but my feet and hands are literally blocks of ice, the heat from the heaters is escaping through the single glazing and poor insulation around windows and doors.....surely we should not have to put up with this? Any help appreciated, cheers x

Hi there, I wonder if anyone has any experience of this and could offer me some advice? I sold my house end of October and due to a shortfall (long story with halifax) I declared myself br Novemer the 2nd 2012. In December I got a notice B10 and B11 from the Land Registry to say that they had put the deeds on hold due to my br! I rang my OR and she said it was not a problem and just wait till the buyer got in touch! Suffice to say I duly received a letter this morning from my solicitor stating that the buyer are unable to get the deeds, could I confirm my br. What is likely to happen does anyone know? The house it not mine as halifax have paid the mortgage but the house is not the buyers and yet they are paying their mortgage!!!! No idea what happens next; does anyone else have any idea?? N

If anyone is able to do so, it would be worth watching a "catch up " version of a speech this afternoon from the Parliament Channel as Coventry JMP Mr Jim Cunningham MP secured a Commons debate about the bailiff industry. The following is a "word" version of an article that appeared in yesterday's edition of the Coventry Telegraph that provides background..... A COVENTRY MP has secured a Commons debate tomorrow about the treatment of vulnerable people by council-hired bailiffs following a Telegraph investigation. The ten-minute rule bill scheduled for 2.30pm on Tuesday has been brought by Coventry South Labour MP Jim Cunningham, who wants the government to provide more protection for vulnerable people from inappropriate bailiff visits. Last October the Telegraph uncovered practices in Coventry including a failure by council-hired bailiffs to report vulnerable cases back to the council in line with government guidelines. We also highlighted excessive and multiple charges by bailiffs which heaped unexplained charges onto the unpaid debts of the sick and disabled for council tax or parking fines. Thirty MPs have also signed Mr Cunningham’s early day motion calling on the government and councils to ensure bailiffs adhere to the national guidelines, and regulations over charging limits. Tomorrow’s debate, which will raise the Telegraph’s findings, comes after the House of Lords last month voted against the government in calling for better regulation of the bailiff industry. The crossbench peer, Baroness Meacher, had tabled an amendment to the crime and courts bill which would allow people who feel mistreated by bailiffs to appeal to an ombudsman. Our investigation highlighted how a mother from Eastern Green on NHS suicide watch had charges heaped on to her bill, and faced repeated threats of her possessions being seized – even though we saw evidence she was paying back her parking fine debts through agreed payments. A disabled woman from Walsgrave with a stress-related condition had also agreed a payment plan by instalments, yet she received 10 threatening letters in two days demanding she paid thousands of pounds in full. Coventry Citizens’ Advice Bureau also claimed government vulnerable persons’ guidelines were being breached, including in the way the council’s hired bailiff, Newlyn Plc, handled the case of a cancer sufferer. Mr Cunningham will tomorrow raise local and national concerns, including those contained in a damning local government ombudsman’s report published last month. He is backing its recommendations, which include ensuring councils only charge fees in line with national regulations; provide clear details of their charges; make proper checks when levying vehicles; and exercise caution with potentially vulnerable debtors. Mr Cunningham said the debate would raise the profile of the issue just weeks before the Ministry of Justice is finally expected to report back on a delayed review of the bailiffs industry. He added: “I want to not only put pressure on the government to implement the recommendations of the Local Government Ombudsman’s report and others, but to give a date when they will be implemented.” The council has been reviewing its bailiffs’ arrangements with Coventry CAB since the Telegraph’s investigation

Any ideas as to how we can clear c£30k of debt without having to :- a) sell our house as we have £35k positive equity but at 55 will never be able to buy again especially with our credit rating b) both come out of good pension schemes which are now closed to new employees and which we were relying on lump sum to pay off rest of mortgage at 65 as have had to drop down to interest only mortgage ( and bank is not happy about that !) . i've been told that creditors won't accept a DMP as long as we have money in the house and are both paying into a pension . I've tried to offer creditors 100 % payback over 10 years if we will freeze interest/charges but they don't want to know and just keep referring me to CCCS etc .

Hi guys, my very first post here so feel free to wade in with any comments or suggestions.. I purchased a persommin new build in june and paid for the turf to be laid in the back garden. I was told it was very recent so stay off it for a month. Two months later the grass looked good but the ground underneath was so wet and spongy that simply walking on it leaves deep dents. I asked the landscapers to look and they said "yep, you need a land drain, it's boggy". So I took this up with the persimmon site manager who got really irrate and said the landscapers had no right talking to me etc etc. He blamed the 'rain' and said to just wait. A few weeks later and no improvement I wrote to the regional head office and within a week the site manager was back to look. Still quite curt and short he said I'd bought a standard residential build and couldn't expect the world - I actually bought a 3 bed detached and it cost me everything I've ever saved. I have a 1 year old baby and not once have I been able to allow her on the garden which was one of the reasons for choosing this plot! eventually the landscapers were back to put in a french drain. They rotavated the existing turf into the soil, dug a trench (french drain?) and then relaid turf afterwards. It's been 6 weeks since and the turf looks great. BUT, the ground is still spongy underfoot. Not as bad as before but still to the point of leaving dents. I really have no idea what to do or who to approach next. It's so stressful and incredibly difficult trying to deal with them now I've actually handed over my money! Any advice or comments would be great.

Hi everyone I was recommended to this site by a friend. My mortgage company are taking me to court because I have arrears of £ 8025.85. The Court date is 21/01/13. Arrears built up because I am a single parent , paying nearly £700 per month nursery fees which ended when my child began school this September. I am now in position to start paying off my arrears . My friend told me that she thinks that there is form I could send the court to postphone the court hearing. Can anyone help me with advice? Thanks in advance for your response.

Been burgled by six masked robbers who came armed with taser guns and CS gas and now claim has been rejected due to no force of entry. They tried to kick down upvc kitchen door but they did not acheive this so they came in throught the patio door which we never use and they picked the lock as there is no sign of force of entry. These guys were proffessionals and now the insurance company have rejected the claim after reading police report that there was no sign of force entry. Is there a body i can write to to who can help me with this claim as its just so unfair.