Jump to content

Search the Community

Showing results for tags 'building'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Categories

  • The Youth Academy
    • The Youth Consumer Service
  • Miscellaneous

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Location

  1. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the buildi
  2. Older home-owners are being given more borrowing options, as a building society launches a new range of retirement interest-only mortgages. Leeds Building Society said it is entering the market, with the new deals initially being made available through brokers. Interest-only mortgages allow people to make regular interest payments on a loan, without paying off the loan itself – but the capital must be eventually paid off. Leeds’ new mortgages are being offered to borrowers aged 55 to 80. https://uk.yahoo.com/finance/news/interest-only-mortgages-lasting-retirement-230100829.
  3. Older home-owners are being given more borrowing options, as a building society launches a new range of retirement interest-only mortgages. Leeds Building Society said it is entering the market, with the new deals initially being made available through brokers. Interest-only mortgages allow people to make regular interest payments on a loan, without paying off the loan itself – but the capital must be eventually paid off. Leeds’ new mortgages are being offered to borrowers aged 55 to 80. https://uk.yahoo.com/finance/news/interest-only-mortgages-lasting-retirement-230100829.
  4. I have only just discovered this site since having 8 properties taken over by LPA Receivers. I am desparately trying to find out what to do next. I read that I can make an Application to Court to get control of sales. Please is there an expert who can tell me how to word tha application? I am scared of making an awful situation even worse if that is possible!!!
  5. Hi, this is one for people who really know their contract law, specifically the consumer credit act. This is the scenario: I have a builder do me an extension. Our contract states the work will cost £100k. In order to get s75 CCA protection, I get the builder to give me 4 invoices. Invoice 1- foundations, £25k (price shown on the contract) Invoice 2- Roof, £25k (price shown on the contract) Invoice 3- Walls, £25k (price shown on the contract) Invoice 4, decorations £25k (price shown on the contract). £100 was paid for each invoice using a credit card. The tr
  6. From their website: "Charged to cover the administration of issuing an arrears chase letter." - Outgoing arrears letter I'm not condoning missing mortgage payments, but surely £27.50 is a lot for a one-page (presumably computerised) letter and envelope being sent out? I think this has been covered previously (in 2011) but I'm not sure of my best course of action. Or whether I have a claim at all? Can anyone help me? I have received 2 of these letters in the last fortnight alone. £55 is hard to take for 2 sheets of paper and 2 envelopes! This figure is clea
  7. Hi my okd friends I need an EXTREMELY URGENT advice from you good people. Wished to refurbish the old house after 30 years which meant change of everything including wiring and water system etc. I employed a firm of archirects who with a QS sent tenders out and as the result we instructed a firm of contractors to do the job. After a while architects left the scene so we employed a building controller in their replace to interact with builders. There was to be a contract drawn by QS for "minor work project". Unfortunately a copy of it was sent to me last week! As I had
  8. Can anyone help please? We moved into in a grade II listed building. The listing describes the windows as "single glazed sliding sash windows in a wooden frame". However, the actual windows in the building are casement windows, top opening and bottom fixed, single glazed in a wooden frame. The frames are rotten and we want to replace. We want to put in what the listing says should be there, i.e. single glazed wooden framed sliding sash windows. Will we need to make an application for listed building consent, or can we argue that we are reinstating, as clearly sash windows w
  9. Hi, We (the family) are undertaking a project to convert an attached brick building into a utility area and a wet room for use by a disabled member of the family. The contractor (who is non-vat registered) has requested that we purchase and supply the wet room fittings that we would like. We are happy to do this and in fact would prefer to do so. But we would like to claim the VAT Exemption on the eligible items. I know that in order to claim the exemption that we would need to provide a letter from the contractor confirming that the wet room is for use by a disabled person and also
  10. This is more of a warning thread, for people having any significant renovations to their homes, to check there is Insurance, should anything go wrong. Here is an article showing a real life example of what could happen. In the article a young couple with small children lost their home and have huge debts after works to create basement living space went seriously wrong. This is just one example of such a situation occuring in the London area. http://www.dailymail.co.uk/femail/article-3484417/Our-1m-nightmare-dream-home-collapsed-shoddy-builders-thought-life-couldn-t-worse-just-start
  11. I have, I hope, a quick question regarding the subdivison of the cost of Building Insurance for a converted house. The house has been converted into three flats two downstairs and one upstairs. the upstairs flat occupies the whole of the first floor and is two bedroomed and the two ground floor flats occupy less than half of the floor (though they both have a rear extension). Is there a general rule for proportioning the cost of the Buildings Insurance for each flat and does the leaseholder pay towards the cost. regards eeeni
  12. Hey, I am in the process of buying house and had ordered for building survey. But this Surveyor seems to be real un-scruplous one. Having opted for building survey, I thought I will get a thorough report but I was surprised that the survery-report says that they cannot check the rain-gutters as it was not raining at that time. Is that acceptable? So if it was raining, he would have said that he could not check say the garden area because it was raining and he could not go out or say on the roof. I want to know if it is acceptable for the surveyor to say that he cannot check rain gutters b
  13. Good Morning, and for those of you that read this, thank you. I am new to the forum as i am running out of options and routes for advice. I took on a lease two years ago and on the 15th July with no notice from my landlord, scaffold and boarding was put around my salon. I was told by the builder that it would be two weeks maximum. We are now on the 11th November and it still continues with updates by me from the builder and still not one word from my landlord. I have lost 80% of my client base and had to get a full time job to tide over my loss of revenue - which has lead the
  14. I have submitted reclaim for missold PPI to Yorkshire Building Society they have responded to advise that they refuse claim on the grounds that throughout their investigation they found no evidence to suggest they acted inappropriately or improperly in any way either when arranging MPI cover at the outset or since. They have although found evidence to suggest that we were aware of the policy existing. We were told at the outset of applying for our mortgage that we would have to take endowment and payment protection insurance for our mortgage application to be looked on favoura
  15. Hi all, I'm pretty sure that I don't have any rights in this situation, but I wanted to get your view. I rent a one bedroom flat and have been here over 4 years. I have an AST that we restarted for 12 months this February when the rent was increased. I discovered last week that my landlord has applied to redevelop the building - the planning permission was sought to basically demolish the building and rebuild brand new flats. Yesterday the public notice went up outside our building for local residents to send comments, etc. Obviously I object to this planning application as I will be
  16. Hi, Currently I have three credit building cards Vanquis - £250, Aqua - £100 and Capital One - £200. I applied for these to rebuild my credit. Can anybody advise me should I pay the three off now and close them which I can afford?keep one and pay in full every month?keep three and pay in full every month?I will keep the three if it promotes my credit better than paying off one in full every month. Any advice would be appreciated please. Do these cards repair a poor credit history which I have at the moment? Thank you
  17. Is there a way of stopping or challenging this from being renewed at the end of its 5 years (before the actual debt is cleared)? Original debt: Nationwide Overdraft back in 2004 of £3500 Nationwide refused to deal with Christians Against Poverty who were sorting out a repayment schedule at the time and as soon as they were involved took me to court. They had been phoning me in the evenings to try and get me to repay the overdraft and had offered if I could pay the overdraft of £2000 - they would waive the £1500 over that but I was pregnant at the time and about to co
  18. just wondering if anyone can help im trying to buy a house at the moment and last tues 21/4/15 wanted money transfer from my account to my lawyers account by chaps got a phone call from yorkshire saying its complete i then called my lawyer to make sure but it hadn't,d appeared next day contacted bank in person said it had bounced back into my account was a very strange answer i thought but was assured it would be done by end of day (22/4) but surprise surprise it wasn,t and still hasn,t been transfered yet (25/4)
  19. Hello, after being declined for a mortgage for using payday loans, i am on a mission to improve my credit. I applied for a credit card with my bank which is Bank of Ireland. I was declined, I have yet to receive the letter which explains why, however i checked Equifax which they use and i can't see anything untoward, obviously i know they will interpret this data differently, I checked a credit card eligibility checker on another site and it says that the card i have a 90% chance of getting is the aqua card. My main concern i
  20. Can anyone help on this one? We haver taken over a small business (fitness centre) this is in a larger building (a rugby club house) and is leased from them. The rent in 2008 was £10000 pa. We have half the first floor for an office, changing rooms, reception area, studio and gym, total area 350 sqm. The other half of the first floor belongs to the rugby club and has an office, reception area, changing rooms and a bar/conference centre/kitchen, total area 350 sqm Both premises were valued by the VOA in April 2014. We are valued at £16250, the other half of the first floor is valued at £7000.
  21. Hi I'm a sole trader, and at the moment I'm busy paying off a council tax debt. The council were round last week doing a load of work next door, making noise from 8 in the morning and stuff, didn't bother to inform me despite the fact this is their legal responsibility. Anyway, the path I share with my neighbour is now a mess, it's not that bad but the guy didn't hose all the detritus off right which has left it in a worse state than it was before. I have been keeping very clean this summer, and now I have to sweep it and hose it again. As a sole trader, if I was to perhaps go
  22. We have issues with our Freeholder: Waterglen Ltd and Managing Agents: Pier Management for a number of years. They have refused to carry out repairs to the building for over three years now, fobbing us off with section 20 notices which they have not followed through. The property is almost at the point of being uninhabitable and we see the only way forward is to issue Court Proceedings and would very much appreciate some advice. No work what soever had been effected o the exterior of the property in the 13 years or so since they bought the Ground Rents. The Freeholder and Managing Agents
  23. I am not using my own loss assessor so have muddled through this painful process for the last year. Background: I have a holiday home and therefore holiday home insurance and last summer my home suffered an escape of water causing considerable amount of damage which affected most of the rooms in the house. I have appointed my own surveyor who has drawn up a Schedule of Works and we have received bids and are now awaiting for commencement of works from the adjuster. The house is uninhabitable and whilst it was being dried, which took 6 weeks, I stayed with a relative. When t
  24. hi can anyone help please? commercial lease. lease states no withholding of rent. landlord has neglected upper floors. ceiling has collapsed outside the fire door entrance. (we have moved the debris he has not sorted the ceiling) now ongoing water issues have ruined our walls. its a food establishment. leak seems to be have been sorted for now. i have requested if i can deduct £50 off this months rent (£2000 to be paid) so we can redecorate. (personally and not use decorator to keep cost down). L/L states i should claim on our insurance. access is £350 and why should we when its his
  25. http://www.oft.gov.uk/news-and-updates/press/2014/18-14
×
×
  • Create New...