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  1. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction l
  2. I am up to my eyes on another legal thread on here. I am having so many problems with uploading my documents from pond **** in the pdf format, edited. I have a wireless printer than I can scan to my laptop. If I scan them in pdf format, I can't edit them. If I scan in jpg format, I can then use 'Paint' to painstakingly edit out personal info using the 'fill' tool but then can't save it as a pdf file. I am stoney broke and all the editing softwares want paying up front. Am I just being elderly
  3. I owe one of my creditors £32000, (more than half of this is their solicitors costs) after speaking with Business Debtline and preparing a budget I offered them £440 per month. They got a order for me to attend court for questioning. I went to the court with the documents requested which were statments for all bank accounts, HMRC returns etc. Their solicitor was there and asked me questions regarding my income, (although they hadn't listed their questions before hand) After court the solicitor wrote and asked me to supply my bank staments since 2017, I replied they have seen a
  4. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  5. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  6. Today I received a large pile of documents from Prestige Finance, with whom I have a second mortgage. I have identified 10 unlawful charges of £35 each. But this account was previously held by lenders GE Money. Either they went into administration and "became" Prestige Finance, or GE Money simply sold my account to Prestige Finance. I have identified seven unlawful "administration charges" of £40 each while the account was with GE Money, before I found my account being handled by Prestige Finance. So my question is in two parts. 1. Am I entitled to recover the £280
  7. like it says on tin!!! i remortgaged last year(june 2006) with different company (GMAC!!!) conveyancing lawyer was numpty and it ook 3 months to complete. anyway got a letter from her this morning saying that they don't have the Standard Security (well really she says that the Registers of Scotland sent it but they didn't get it) enclosed is a Security for me to sign and return. what does this mean? i can't imagine the Register for Scotland sending something that sounds important thru ordinary mail. any ideas
  8. I sent my ESA50 long with doctors letters and specialists letters to Glasgow ASC, Wolverhampton address on the 02 of May.... Called centre for health and disability assessments. They told me as of yesterday 22/05, DWP requested that my file be withdrawn from their services and returned to them... MY nervous are shattered now. Has anyone got experience of this happening or a possible reason, Naturally i'm trying to get through to DWP but it's taking me ages. Got my worried now.... Thanks
  9. HI there, Due to ill health and before I got into financial trouble I went to CAB who suggested writing to all credit and banks to inform them of my illness. Most of them have been very helpful, apart from MBNA who then allegedly sold it on as soon as they could. So, I need some help with this court case (end Oct) I have been sending requests to MBNA to confirm that they sold the account to Link who sold it to IDR. MBNA have been ignoring my letters, I sent a SAR to all 3 which all of them ignored. Contacted the ICO and eventually got some response from Link and
  10. NRAM (Northern Rock), dodgy documents and agreements. Hi and thanks to all who contribute to this site. Flushed with success at my PPI refund with another Ex creditor I thought I'd start on my NR mortgage. In 2006 I re-mortgaged my house with NR to pay off a previous mortgage and some loans (taken out with NR). The present account is not the 16 digit account that I read about though I can only find the mortgage offer and not the agreement. Also I believe that there is PPI on some of the other loans I had with them in the past (and perhaps the current one).
  11. Hi, Local authority is pursuing a disputed sum from 2014-15 council tax period. Having refused a monthly offer of £5 monthly while I was still on Universal Credit the council got straight in touch with UC to make monthly deductions for the amount that it wanted (which UC later granted). LA contacted UC on the same day that it refused my offer / same day that it dismissed my formal complaint about LA's handling of the matter. I think the LA may managed to make the direct UC deductions on the basis of false info that I was struggling with current ctax payments - not the case
  12. Hi, I'm currently in court with a Claimant who is basically trying to ambush me. The court has requested information from them on multiple occasions and they have provided the bare minimum at the death. This is a civil case relating to a CCA. I now have enough information to identify the account and I'm required to submit an amended defence. I have documents that help my case that the Claimant should have provided but hasn't they are mentioned in their POC. I know sometimes judges take the Claimants side from the start, and should I include them in my defence. The Claimant is
  13. I had tills on lease purchase - put in lump deposit towards finance and then paid monthly. it was a 3 year deal, but unfortunately recession hit and i stopped paying, so only about 1yr in. initially they chased for cash and repossession of tills - havent got a problem with that but was reluctant to give back asset until a written agreement reached. meanwhile they have now served court papers going for a CCJ to recoup monies. but no mention of actual asset. MY QUERY is this... ... if they win CCJ [which to be honest is the least of my financial worries at the m
  14. i have been dealing with housing options as well. this is about my landlord misleading me from the start with fraudulent tenancies. ie 1 making me pay a bond and months total £600 for my own tenancy in a two tenancy house 2 making me sign and witness the other tenants tenancy and £600 when, in actual fact, he had not paid a bond or months rent at all. i was told this three months later by the landlord in a recorded meeting 3 the landlord did not protect my bond and as a result of this, I am in a horrendous position 4 the landlord returned my bond 2 months after i paid it and then c
  15. Hi guys, so it's been quite a while since I posted due to I tend not to get into debt anymore, but I am currently looking at an N244 order that Cabots solicitors have filed to extend the length of time required to file documents and an adjournment to be granted so they can get the required documents. In my original defence I stated if they could demonstrate I owed the debt via the usual methods then I will accept the debt belongs to me, but in a longer way than this obviously. They tried to have the application dealt without a hearing but it is in my local court on Tu
  16. Hello Everyone! I had a Natwest Mastercard account, which was defaulted in 2006. I have been paying off monthly sums direct to Natwest every month since, no PPI and interest not being added. Late payment and overlimit fees of £175.00 unclaimed to date. Account balance approx £8K The account has never ever been shown on any CRA reports, even before defaulted. Natwest have now advised that they have now "partnered" with Wescot Credit Services, who will now "manage" the remainder of the repayment plan, and that I should continue to maintain payments direct to Natwest
  17. I came from EU to London in November last year, 2015 and i was working as self employed for 1.5 months in that year. I was waiter through an agency working for minimal wage, now i am employed already but I am concerned about those several weeks that i worked as self employed last year, i haven't submitted any documents about the salaries i received and i don't know if i should and what documents i need to have, i don't have all of my pay slips either. Today I was in the agency that i worked for to ask these questions, and they told me not to worry about that, sinc
  18. I will try to fill you in as briefly as possible! In September I received documents from Northampton of a claim issued by Hoist Portfolio. the particulars of claim were very vague ie no date of debt, no date of assignment etc. I acknowledged immediately and stated intention to defend. I sent off CCA and CPR requests in accordance with the rules. These were disregarded and I received no response. It was allocated to small claims and transferred to my local court. The hearing date was set and a deadline of 25th Feb was set for returning witness statements.
  19. Hi there, I am hoping for a quick bit of advice. I move into a new property of Monday, and the housing association have told me the following - 1. They want to take photos of myself and my wife for "their records". I am not particularly happy with this as I dislike cameras in general. It makes no mention in my tenancy of this. 2. As we are on Housing Benefit, they want us to start paying £10 a week in anticipation of Universal Credit, so we can build up a credit on our rent account. I have not had to do this with my current council place. Again it makes no menti
  20. Disability discrimination claim. The Respondent is producing the bundle. I have sent them my index of documents with each document very efficiently named and dated for clarity, relevancy and easy navigation. The Respondent completely renamed all of my documents within the index to make themselves sound good and to make my documents difficult to find seem extremely confusing, sound irrelevant and also to contain repetitive document names for less clarity and greater confusion. Some of the names of documents they’ve renamed do not reflect the contents of the documents in any way whats
  21. I have some questions about the correct procedures for County Court summonses. I'd be really grateful if anyone could advise me on any of these queries. I have read the guidance notes for both online and paper forms but still have some uncertainties. Background: I am about to issue a County Court summons for unpaid compensation for use of part of my property by a builder. The basis of the compensation is set out in an agreement and related emails. My questions: 1) When sending in a paper N1 form, is it correct to send supporting paperwork with it? E.g. Copies of agreements, contrac
  22. Hello, I’m looking for some help. Please. Here’s a brief run-down of my issue – as a sole trader I carried out some work for a large company. We only had a verbal discussion of rates (nothing in writing) and my understanding of the amount discussed was a day rate and the companies understanding that it was a completed installation rate (there were a number of installations that took more than one day). We have been in discussions for over a year and I have sent the company an invoice and a Letter Before Action. The original invoice was made up of day rates, but this was
  23. Hi friends, I tried to search but most of the template letters are designed towards claiming single payment PPI, especially, for fresh cases. Mine on the other hand were monthly payments and they were stopped by Barclays in 2005. Why? Because, I claimed back some of the money Barclays had been charging me in the name of their Additions fee that I had never opted for. This probably prompted them to also stop my PPI immediately. And yes, I did not know what PPI was all about at that time. Now, I wish to take up claiming back the PPI Bacrlays charged me over a p
  24. Hello! I am in need of a little advice from you seasoned professionals.. Currently helping someone with an Employment Tribunal claim, and on an order from the judge, it asks her to disclose a "list of documents in her possession relevant to the case". How does this get listed? is it simply a list such as "date, name of document"? Also, what about text messages? are these to be listed in full, such as date, time, message content, or simply just date and time text was received or sent? Apologies if this comes across as confusing in my writing style!
  25. Hi Guys, I have an issue where I have been summoned to court for not sending my driving license to dvla. I was offered a fixed penalty for a speeding offence. I paid the £100.00 fine online and sent my documents off to dvla to be endorsed as requested. Sometime later I then got a summons to court for a date in March. I contacted the fixed penalty office to query why this was as I have proof I had paid the fine. They replied saying that they hadn't received my documents, even though I had sent them via royal mail on the same day. They said I would have to attended court and plea
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