Hello, I wonder if anyone here might be able to give me some advice on this issue. 12 years ago I moved in with my Father to care for him (dementia). This is a flat that he owns, no mortgage. Three years ago he was finally taken into a care home as it had become too dangerous for him to be alone while I was at work. At that time I was down as his carer. My sister, who then became legal power of attorney and lives abroad agreed that I could continue living here as long as I took over the bills and paid the twice yearly maintenance on the flat to the management committee. The council also agreed to this, and put a charge on the property. They are at the moment paying the care home fee's and when the house is eventually sold on my fathers death, they then recoup the money they have spent. Now, out of the blue, I have received a letter from my sister telling me I have to vacate the property in ten days time so she can sell it, or start paying my fathers care home fee's (very expensive) or start paying rent, a figure she has decided. My questions is two fold really: Firstly can she really throw me out in ten days time? Secondly can she change her mind on this agreement that we had for the last three years? I don't earn enough to rent another property so I am not sure what I would do. Thank you in advance.

I'm looking for some advice from people who have had similar experiences. I moved to Oz about 6 months ago. I left behind a house which is in neg equity but I have found a tenant which covers the mortgage (although I didn't get the bank consent because they wanted to quadruple the mortgage, but that's a whole different kettle of fish). I had a CC with smeg but, because they are absolutely rubbish (and after a protracted battle in the courts and then through the ombudsman), they ended up having to pay me 5k and write off the debt. I had a CC with Barkleyshark but it's an old CCA with no agreement available (and they weren't able to produce a recon cos they don't appear to have my address from when they alleged the agreement was signed) so haven't heard from them for about a year (and not paying). I had 2 other CCs and a home shopping account which were paid in full before I left the UK. That just left an 'account' with Thirst Die Rectum at approx 6k which I'm having lots of problems trying to sort. I'd like it to be sorted so I can get on with my life as much as possible. This 6k is an amalgamation of a CC and an OD which they consolidated together. They sent a loan agreement but it didn't reflect what was agreed on the phone so it never got signed (although Thirst Die Rectum reckon they have a CCA for it but they definitely don't). I've got together 2.5k to pay them but they're just not having it. But that's all the money I have in the world and its in a UK bank account. Although I get paid more here, the cost of living is way higher. I can't service this debt. I've told them all this and they have my address in Oz so know that I'm here and not fibbing. We've played ping pong for the last 3 months with a cheque. I send it them, they send it back with a declined letter and ask for me to complete an income/expenditure, I send it back saying there's nothing else, they send it back saying they'll issue a final demand unless I make effort to pay, etc, etc. My understanding is that Oz courts won't accept jurisdiction for CCA's from the UK (i've read some of the pie and beer stuff) and that they can't get a judgement because I'm not resident. So what can they do to make my life a misery? And, other than upping the offer which I can't manage, what can I do to get them to accept the offer so everything is settled.

I have a debt of £6,000 with Natwest. I am currently living in Vietnam. However, I have just landed a new job and the company want me to open a bank account with either of these 3 banks: Standard Chartered, HSBC or ANZ. Firstly, can Uk bank collect my debt in Vietnam? Or is there no credit agreement between the 2 countries. Secondly, will my UK Natwest be able to find me if I open an account with any of the 3 banks above? Regards, and Thanks.

Hi Just to summarise my situation I have debts back in the UK totalling about 30k, which is soon to get another healthy bump thanks to the reposession of my apartment. It´s a mix of a little tax, council tax, service charges, overdraft and a few other odds and... My mortgage, overdraft and one loan is all with HSBC. The od and loan are about 8k in total, the mortgage could be another issue so that one creditor will probably want about 23-30k when al said and done. Now I have a few options. First is the obvious run back to England and go bankrupt. But I wonder if they will chase the debt, or if I can stare them down for a while whether they´ll accept a full and final settlement for much less? I´m wondering if they´ll sell it on rather than deal with the hassle and expense? I could also feign complete ignorance and try and ignore it forever and hope it goes away. I´m leaning towards ignoring it for a while then doing the full and final offer for something like 5k. I can get help with that and all would be well with the world. Also, the council tax bill is big, ridiculous really, like 3k. Would they chase me to Spain or can I leave that one dormant and again hope they sell it on and sell it on? If I ever come back, I could then offer them 20p in the pound when the others are sorted. Of course I wouldn´t mind walking away from the lot, so if you have experience of this working then please let me know! But I´m looking at more at ádvantageous debt negotiation´by just being difficult to find, in Spain and generally an inconvenience. Would love to know your thoughts!

Late 2010 I met an old female friend of mine who was going through a divorce (we hadn't met for around 30 years) and she decided that she wanted to come out to Canada from the UK to get a way from everything. Without much consultation with me she arrived and stayed for five weeks. At that time I was moving into a new apartment of my own and was about to purchase furniture on a rent to own basis. My 'friend' went out and bought a whole set of furniture and fittings against my wishes. Over time she has insisted on me repaying the money back that she spent of the F&F. I told her often that I would sell and send her whatever I got as a result of the sale. Each time she insisted that I don't sell and agreed that I should make monthly payments to her Barclaycard. I made one payment which was rejected by her as she is now re- marrying and is demanding that I send her a lump sum in the amount of $20K (could be GBP - not sure) which I do not have. She is threatening legal action to get her money back but my stance is that as she has said often 'I own everything in the apartment' and therefore the F&F are hers to sell and recoup some of what she spent on the items. It's not like I have sold the items for any profit -they are still in the apartment, they belong to her and I really want 'her property' out of here. She willingly paid for me to fly to Scotland not long after we connected in 2010. When she asked me to come over I replied 'no' as I didn't have the funds to do so at the time but she insisted on paying to fly me over so that we could meet. She did send two money transfers for approx $2800 (rent payments) which I have continuously agreed that I should repay. The 20k she claims is my debt to her includes the furniture, the two rent payments, flights and hotels amongst other undefined items. Now she is threatening to sue for repayment. If she files/sues in the Scottish court would I be required to hire a Scottish lawyer and fly to Scotland to fight the case or would the case be heard in Canada? I believe there maybe a 'jurisdiction' issue with me not being a UK resident and have also heard that she cannot sue someone in Canada through the Scottish court. She has been silent for over two months but today she indicated by text that she had a lawyer and the DSS (didn't think that department existed any longer)chasing me through my parents. She also claims to have contacted a Canadian DCA to try and recover what she perceives as my debt to her. What can the Canadian DCA do if as she says they have been hired to in an attempt to recover the 'debt'? My apologies for the long-winded post but I wanted to relay the facts as accurately as possible. Any comments or advice would be appreciated. Thank you. 5scot6

Hello again Caggers.. it's been a while. Recent developments over a NatWest debt, they seem to have employed a French debt collection agency, who have phoned us once, written to us once and now passed it to a Hussier de Justice. I have seen no other evidence that a European Payment order has been applied but I do not know how to proceed because I am ignorant of the law or collection procedures in this country. Are the debt collectors trying this on or do I really need to get worried?

Hello. I wonder if anyone can help. I am 53 and on ESA support group and also get DLA. lower rate mobility and middle rate care. I live apart from my partner and part timish carer. As she officially retires jen 6th 2013, we are considering the possibility of living together at my address and would like to. We have tried to get helpful info from benefit advisors on the financial implcations, the dos and donts and pros and cons without a lot of success. I wonder if anybody can help us please? What benfits should we claim and would it be to our detriment money wise. I dont mind losing a little as money isnt the be all etc but i want her to have that independence she deserves after a life of work. oh and hers is the basic state pension if that helps. Many thanks to all for reading and offering good advice.

Hello All! A 'living wage' is the term used to describe how much someone needs to earn per hour to afford the basic essentials in life, not luxuries, essentials. The campaign for a living wage is growing in strength with Labour now throwing its support behind the idea and London mayor Boris Johnson saying it has his wholehearted support. The recommended living wage was recently set at £8.55 an hour in London and £7.45 an hour for the rest of the UK. The minimum wage is £6.19. Please sign the petition in favour of raising the national minimum wage to match the living wage needed for people to be able to support themselves. find the petition by clicking here- http://epetitions.direct.gov.uk/petitions/41273

Finally, we have come to this! Work for me in france.... both legal and otherwise is drying up fast. Now I have to make a decision whether to pay my french living expenses as priority (which is difficult enough now), or to continue to get paid where possible in UK to service my credit card accounts. Struggling to get my french bank back into credit before 30 days, (a legal requirement), following paying a large bill, I have had to divert all funds away from my UK credit cards for the first time ever. I failed to make the £200 minimum payment on 24th Oct (MBNA balance: £8000).... and now have received an e-mail asking for immediate payment of £415 (2 months) or for me to contact with my explanation for the non-payment. HSBC are also phoning, I am guessing about the late payment of that card (28th Oct £160 late payment on balance of £6500) I'm just a little scared and wondering what to do! I am 62 and have lived in france since 1999. HELP!

How long can I stay away from my house and still call it my home? I received Incapacity Benefit in 2005. However I got Income Support because I had not paid enough National Insurance. In early 2010 I became extremely ill and moved to another town where I stayed with my family who took me to doctors and looked after me during the daytime. The DWP say that they have decided I have permanently moved home in Jan 2012. What are the rules regarding which location is defined as my home? Here are some details: I lived on my own and owned my flat outright. I took only few possessions and left the vast majority of what I own in my flat. I have kept gas and electricty going. It is not inhabited by anyone else. It is fully furnished. I visit it approximately every month to see it is ok and as it is some distance away I stay there for a day or two. I disconnected the phone off but otherwise everything else is in working order and it is fully habitable. Surely it is still my home? While staying with my family I was intially diagnosed with Alzheimer's dementia but after 18 months the diagnosis was withdrawn and we looked for other causes for my severe states of confusion. I had approx 50 medical consultations. In May 2012 we think we found the cause of my illness to be toxic side effects from a medication I was taking. I will need another about 6 to 18 months to recover before I can live on my own in my house. I changed GP to one in the town my family were in in order to get referrals to local hospitals. Can I still claim my house is my home or am I deemed to have moved home? Thank you for any information.

I wrote this all out and it disappeared because I was automatically logged out. So again... although a little quicker this time as I need to go to sleep soon. The shorter version: In 2008ish I invested my life savings (about £8,000 - £9,000) in a too good to be true Hungarian property development. (Yes I know I'm an idiot. A very naive idiot. I feel ashamed and awful about this every day when I'm not managing to block it out of my head.) I was told the rental yield would be 12% and the rent would easily cover the mortgage. This wasn't true and also tenants were for some reason not easy to come by. I fell behind on mortgage repayments in mid 2010 and when I attempted to contact the bank to re-negotiate some type of terms or a freeze period or anything they kept demanding the money till last year (April 2011) they terminated the mortgage. I had recently changed companies to try and find some tenants but put that on hold as I assumed that the bank now owned my property. I received no more contact from the bank. The lawyers who I bought the property through told me to sit and wait till I heard something. A week or two ago I received an email from an estate agent of sorts whose clients include many of the investors in this development. He said he wanted to help negotiate terms with the bank. At first I was suspicious so contacted the lawyers I had bought the property through. They said they had a meeting with him at the end of the week. That was last week. The burden of this debt which at point of termination converted to approximately £100,000 has been a dark shadow in my life and I have lost a lot of sleep these last ten days. I had hoped my initial approximate £10,000 investment would have provided me with a decent pension in a few decades not a massive debt. I simply couldn't wait till the end of the week and so I contacted this agent. I am currently four months pregnant with a high risk pregnancy and have been told to avoid stress. So I thought by speaking to him at least I would KNOW where I stood. Turns out he can't help me as the bank had the mortgage terminated last year. He recommended I sell the property before the Bank auctioned it off for less and then try and deal with the rest of the money I owed them. The lawyers I had used sent me a similar email after their meeting last Friday. I contacted the lawyer saying I would very much like to speak to the Bank again and could they tell me who to contact. I kind of know this is pointless as the bank were so very unable or unwilling to help or negotiate last time. They're not likely to suddenly change their mind. I did think that perhaps I could clarify if I should sell the property at least. The lawyers said they would find a contact and number for me to call. I chased them up this morning and they said they had been told that my case was already with the "collection company". I was given a contact and told they would be able to help me. I called immediately this afternoon. I got straight through to the contact who told me he was at the gym. He asked for my address, telephone number and email address and told me he would call me back tomorrow. He also said my debt was still with the bank. I didn't feel like giving these details to him and so I told him that I was busy with my toddler and would call him back. He then asked twice more for my details, my number and my email address. Asking for just my email address one last time adding it was quick and easy and I should just send it over text. The more he asked the more I kept insisting I would just call him tomorrow. The thing is, I can't bear the dark shadow that this debt has cast over my life. I would very much like to come to an affordable arrangement where I could pay it off at a reasonable pace and never have to think about it again. I know very much how stupidly naive I have been and both that fact and the potential damage that it has and can cause are making me very very unhappy. BUt I want to know what my rights are if any. Who this man and his "collection company" are. What my best options are. etc. I had wanted the bank to take the property from me and take a monthly payment for the rest for the rest of my life. but I suppose I was afraid of the interest on such a deal and they obviously didn't think it was worth it either. But is this collection company part of the bank? Will they be charging me interest and are they allowed to? I was very lucky to have a website which talks very much about debt collection agencies forwarded to me this evening and have read the whole site. It also directed me to this website. I'm very glad my instincts told me not to tell this man at the gym (from the "collection company") anything about myself but 1. I don't know if a collection company and a debt collection agency are the same thing and 2. what rights he has. 3. what rights I have. Just to clarify that everyone except me are based in Hungary. This is including the Swiss bank although they deal in Swiss currency not Hungarian. Should I ask all contact be through the lawyers if they accept such a set up? This is only if he doesn't know my address. Should I call him back tomorrow? I would very much like to as I have said I want to deal with this sooner rather than later as I don't want it to affect my life any more. Should I try and contact the bank again? Or are they completely, and happily for them, out of the picture and useless to me? Should I sell the property even though I'm not sure if it's mine? Then who gets the money that's left after fees etc? The bank? Or the collection company? Thank you so much if you've bothered to read this. Maybe it's a blessing that the first draft was deleted as it must have been twice as long as this one. And super duper thanks for any advice especially that which goes easy on how stupid I've been . I know. I really really do know. If anyone has any questions that would help them answer my questions or offer advice please do ask me to clarify. I know this may be a bit of a rambly post. I am not in a great mental state at present.

Hi, I was hoping someone in a similar situation can give me some advice or point me in the right direction. Basically I had some student loan when I was in the US and when I moved to the UK I was unable to continue the payments. I did talk to the loan company and try to work something but it wasn't helpful in the end. The loan was sent to a DCA and they called me in the UK a few times and sent me letters that was a few years ago. They stopped calling me after a while but I had also moved and changed my number not because of them but it just happened that way, so thats why they might have stopped. This time its a new company has called and they managed to find my work number and call me there. I spoke to the agent on the phone and he basically said my only option is to pay a large sum of money or face legal action what ever that means. I tried to ask if there could be some sort of payment plan but he was was insistent on the lump sum. I am worried that they will call me at work and harass my work and I will get into trouble for it. I have managed to tell the reception not to forward any calls form that number, but that wont last long . Also I am not sure what legal action they can pursue. The loan is 4 years old now. Any help you can give will be most appreciated.

Hello, I'm new to this sight but have been reading several posts and would like to put my situation to you (developed over many years which I am ashamed of). I have a DMP with the CCCS for debts around £67000 unsecured and have been successfully paying off my plan to date. I've had this DMP since 2009. I moved to Australia just over a year ago without telling the CCCS (had a job opportunity and was afraid they wouldn't let me go - in retrospect I should have told them!), and now my review is due - in fact a little late. If I tell them I am now in Australia, which I think I should do, will this affect my DMP and do you think the creditors will not accept the review especially as I haven't told them of my position? Should I let them know my Australian address and telephone numbers? I have a house in the UK with no equity that I know of and the mortgage is with NRAM, if the review is not accepted, is it likely that the creditors will want the house sold? The situation gets worse - the mortgage is for about £199000 with an additional secured loan of around £47000. Last valuation of the house last year was for £250000. I have been renting the house out to my stepson but he's now moving out and now I will be renting the house to new tenants. I have no property here in Australia and just rent a house. Could I possibly ask your thoughts on this please?

I have to fill in an income and expenditure form. Are there guidelines as to what are acceptable costs anywhere? For instance, I dont want to put down £100 per week for food to be told £80 is the allowable limit!

Hey All, So, as per the title, myself and my wife have unsecured debts (Loans, Overdrafts & CC's) in the UK, but we live in NZ and have done for 3 years. Our house in the UK never sold and so is currently rented out and just about covers itself. It runs at a loss of circa £25 per month. We have never missed a mortgage repayment. For the first 18mths or so after coming to NZ we successfully kept up with UK debt repayments, but then I lost my job and we weren't able to maintain those payments anymore - any of them. I spent quite some time repeatedly writing to the various companies advising them that we were in NZ (up and until that point we had our UK mail redirected out here), requesting freezes of interest and repayment holidays for up to 6 months, initially. Some of them complied without fuss and others either ignored my letters or point-blank refused to help. 6mths came and went and with me still out of work (and I remain so still) I was unable to offer any of of them any form of offer of repayment and with little in the way of help/support from those companies, I simply started sticking my head in the sand, "confident" (to an extent) that being in NZ meant we were somewhat untouchable. The debts have since been sold on to a range of DCA's and apart from perhaps two-or-three letters per month (and one recent phone call to my wife's place of work from an American company on behalf of one of the companies we both owe money to) we don't really hear very much from them. The letters range from offering us discounted settlements, to threatening to pass the debt on to a local firm to pursue us for it. I should though point out that some of the companies that my wife owes money to, continued to refuse to acknowledge we (she) are not in the UK and with them no longer writing to us I'm a little concerned that they're still working with our UK house address. An employment opportunity has now been presented to me/us, that would, if we go with it, involve us moving back to the UK. It's a great opportunity, given that it would get us back to both having a salary (we've been surviving on just my wife's salary alone for the past 18 mths or so and it's been far from easy, particularly with three kids under 7yrs.)... We're very concerned though that if we do this, what would happen once the companies that are chasing us, become aware that we're back in the UK? E.g. we don't want to move back to the UK to accept this job(s) and everything else that such a move would entail, only to then find that the companies we owe money force us in to bankruptcy and we lose the house etc. I figure my options (rightly or wrongly) are: Forgo this opportunity, stay in NZ and continue to ignore everything that comes through from the DCA's, whilst continuing to seek out employment here etc. Move back to the UK, but leave these companies with our NZ PO Box address that they're already writing to. But run the risk of being discovered and incur their wrath as a result. Move back to the UK, attempt to come to an arrangement with each of these companies over a nominal monthly repayment until such time as we can offer something more substantial. Either way, as exciting as this opportunity is, I can't help thinking that moving back to the UK would open the flood-gates to a whole heap of trouble! I can't really see the woods for the trees right now, does anyone fancy trying to shed some light on the pitfalls of us returning to the UK? PS. combined, our mutual debts (prior to whatever charges and interest have been added on since we were no longer able to service them) came to around £45k, split roughly equal between us.

Hi guys, I have been looking at a number of threads and am interested in some advice if at all possible. My family and I (fiance and 3 year old child) moved to Australia about 4 and half months ago. We have been wanting to make the move for a number of years, and it took us literally 3 years to get here...so we didnt want to / couldnt give up the chance. The problem I have is I currently still owe a lot of money to the UK, roughly around the following: 15k bank loan (unsecured - never had a mortgage, etc.) about 18k on cards Up until this month, I have managed to send money back to cover MINIMUM payment amounts...but even after 3 months it is financially hitting me. Up until now I have literally worked in AU to pay UK payments, and with international transfer costs, etc. I loose x amount each transfer. I have already notified (by letter) my bank, and credit card companies of my change of address in AU - I have already had one letter through from RBS demanding payment after missing 1 payment! My question is....I realisticly cant continue to pay my UK debts. If i continue to not making payments, what will happen and on what sort of average time scale? Is there anyway that it can effect my credit rating or credit checks in Oz? (sorry that is more than one question!) I have no wish to apply for any credit in Oz, the whole idea is that we do things right this time. I am no way saying or blaming anyone other than me for what I have ran up, but part of me does hold blame with the actual lending companies I owe to. In the UK, our monthly income was £2k....pre credit crunch I was literally getting credit thrown at me hence the reason the debts are at the level that they are. I am now 30 years old, but when the firms were lending me the money I was a single young to mid 20's....I'm sure someone there should have thought hold on a second! I have never had a mortgage in my own name, so any loan or credit card I have ever had has never been "secured". I really hope you guys can give me some sound advice; as things stand, I wont financially be able to afford to send any money back to cover payments for September either, and things will probably carry on for October too. Its not what I wanted to do, it really wasnt, but the thing is western australia is an expensive place to live with a single income - we have / had no future in the uk, so have no intentions what so ever of moving back there. Any help and advice will be greatly appreciated. Thanks guys

Hello fellow people, I have a situation, I live in the USA now permanently, and don't want to keep my UK property anymore. I can't afford to keep sending money over, it's killing me. It's in negative equity, so I'm considering voluntary repossession and handing in keys. I'm sure it would damage my credit in UK but this shouldn't affect me really. Does anybody know how this would go down? Or anything I should consider or be aware of? Thanks, -givenup

Please could anyone advise me my son finished uni last year and as been looking for work ever since hes found work but only part time which after he had taken out his bus far let him with £20 a week so we have told him he must get JSA we cant support him anymore what I wish to know is he will get about £53 a week now hes not going to be able to pay us anything out of that for board and lodge are we expected to still keep him for nothing Thnks

Hi, I went to uni 1998-2001. In that time I used loans from SLC. In 2002 I moved to Australia ad every year provided SLC with my financial info and contact detail. I moved again in 2011 and emailed SLC with my new contact details. my auntie received a phone call from Transcom looking for me - I have no idea why they contacted her as I have never given my aunties details. SLC must not have got my new address details and passed my debt over to transcom. I have never started paying my debt back as I became a mum and have not worked since I finished uni. I have always intended to pay my debt as soon as my kids start at school and I gain employment. I'm worried what it means that transcom now have my debt. Can anyone please explain this to me. thank you.

Help needed PLEASE Can a debt collection agency from England enforce an English debt in Scotland. I moved from England to Scotland owing in the region of £40,000 from credit cards and bank loans. theses were all getting paid when I was working but due to ill health they haven't been for two years. I am now in receipt of ESA & DLA I cant work any more now im being slowly been chased for debt which i left behind, maybe it was wrong but I was pestered so much it was making me ill and putting a strain on my marriage. T wrote to all creditors when in England but got no joy from them, did all the CCA letters etc etc. so i left and moved to Scotland where i have been happy and been stress free for two years until now........ 1. What I need to know can they enforce this debt 2. If I was to go down the LILA route would my car be taken from me valued at around £3000, I live in a rural area of Scotland and need my car for hospital appointments I have a limited mobility and not able to walk without severe pain,if this was taken from me I would be virtually tired down to my home. Thanks for all help given

Hi all, Unfortunately my employers are relocating and the move will leave it impossible for me to continue working for them. I will be offered a redundancy payment (Approx £1700). Will this have an affect on any benefits i may receive when u become unemployed. I must point out that i will be unable to look for other work as i will be caring for my own 2 children (3 & 2).

My son has fallen into the snake pit of PDL vipers (and other vermin) and I am about to deploy my snake charming skills, learned from within these hallowed frames! He has recently lost his job (misconduct) and is on the benefit that replaced Incapacity Benefit, as he has suffered from Depression and Anxiety for many years, so has no other income at present. In addition, he has parted from his girlfriend and is now living at home, so we are dealing with a lot of 'fallout' after his world imploded.. So, learned counsel, given that he has racked up multiple debts that he is totally unable to service - and disposed of the proceeds on drugs and alcohol - is there a minimum amount of money he is 'entitled' to keep for his essential living expenses, or can his creditors simply plunder his bank account as and when they find money in it? He is in the process of opening a 'parachute account' -as advised, thanks to previous CAG input on my behalf some years ago ) I can deal with the 'admin' side of things and am looking forward to dealing with some of the lovely DCA's who are swimming around in the pond currently (apologies for mixed metaphors). My current thinking is that there is nothing they can do to enforce any of these alleged debts, some of which were activated 'under the influence' - and apart from a trashed Credit History, any potential court action will only result in awards of a pound or two a month at best - n'est ce pas? It's quite touching to think I was so naive about debt once and how I used to TELEPHONE them when they wrote to me and give them information - oh dear, I'm cringing with embarassment again I would appreciate any specific or indeed general advice that may be on offer which might assist me in relieving some of the pressure he is currently under - and yes, he is truly repentent and ashamed of his behaviour - much good it will do him now! Many thanks - and keep up the excellent work guys!!

Hello, I moved property 3 months ago. When I chose this location, there were several factors which were very important to me. 1) A NTL connection had to be available, which the estate agent told me was available, and they even showed me the NTL connection. 2) That there was CCTV around the entire property, which there appears to be by various cameras placed around the property. Since I have moved there, I have found out that: 1) The NTL connection is infact a dummy and does not work. I approached the letting agent about this and got the following response: ********** Response: With regards to the NTL. This is the first ive heard about it. And as far as i am aware if you are in a non serviceable area then NTL would'nt install a connection point. If there is a connection point Joseph would assume like anybody else would, that NTL would supply a connection there. ********** 2) The CCTV camera's are ALSO dummies... I also approached them about this and they came back with the following: ********** Response: With regard to the CCTV this would be down to the Managment Company (SLM) TEL: 01482 328068. ********** Now why do I feel like I'm being fobbed off here and that the buck is being passed on. What options do I have to sort this out? Also in light of this, can I dispute the £120.00 administration cost which they said was for 'administration and credit checking'? Thanks and Regards Adrian