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  1. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  2. Hello, I am looking for help and advice relating to this on-going dispute I have with the Nasty-west. (Edit) Long story so give you the short version. Reclaimed back bank charges before they put a legal stop to it. Tried to reclaim Advantage gold service charges -they denied it Reclaimed ppi on one loan.. They have never reviewed or addressed the three previous loans with ppi on them. I refused to repay the loan until the resolved the ppi- they didnt. Instead they told me to court and won over a technically and obtained a charging order on my house. I have cont
  3. I have recently (well still in the process of assessment) had to go on Universal Credit due to moving into an area where they have rolled it out in the past two months. I was on Income related ESA in the support group and was told when reporting my change of address that I would have to claim the new benefit. As mentioned I am still in the 4 weeks and 1 week assessment phase. The property I have moved into is incredibly small and it is affecting my condition due to feeling claustrophobic, consequently I am considering moving house again out of the area to another region where UC isn’t ev
  4. Just noticed marketing emails coming back in from house of fraser. After everything that has been happening, i'm not sure if I should order again. Anyone recently purchase anything from HOF, and did you have problems?
  5. My mum has had a mortgage for 45 years. It represents 17% of it's value. They don't want to continue it, once it reached the end of it's term, even after agreeing to continue it in May of this year. We only get to know a repossession court date is due on 30th of this month, 10 days ago. Barclays know she was staying with me over summer and it was only a neighbour checking post, that alerted us. (Barclays has made it very difficult for me to assist my mum on the issue) They wanted a message from the doctor, which they got, now they changed their mind and want a more formal letter via t
  6. Hi, I have a question about last wills and testaments. I am a dual French/British citizen married to a British citizen and we have lived in the UK for almost 20 years. We own a house in the UK (as joint tenants). We want to write a will that will say to whom we want our respective share of the house to go to once we are both dead. We have no children and won't be having any. In my case, I want my share to go to my husband but I want to make sure that when he dies, if I'm already dead, my share goes to my siblings in France, who are French citizens, and not to my husband's family or new par
  7. I have been on the waiting list for a hip replacement for 6 months now and have been told it could be another 5 or so months wait. My problem is I have sold my house and am moving out of the area. When i register with my new GP will they try and put me on the list at the nearest hospital (the bottom of the list) or keep me on the one I am on. i have looked on the NHS choices website but there is no information about this ,only that I can choose hospitals.
  8. Hello group, I have had a letter from debt and revenue services saying they will visit my property ( i'm not unduly concerned as I dont live there ) However this is for a supposed debt of an auto renewal house insurance of £50 which they have now pushed up to over a £100 with their terms and conditions : I had previously told Admiral last year that I did not wish for them to continue after 12 months and cancelled my DD so they couldn't take it ( they tried) and I insured with another company. My question is ...does this situation go on and on ? are these idle threats? does Admiral seri
  9. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel in
  10. Yesterday in the House of Commons, Sir Greg Knight's Private Members Bill entitled: Parking (Code of Practice) Bill received its 2nd reading. The support that he received was overwhelming (and thoroughly deserved) and the Bill now passes to the Committee stage. Rougue private parking operators have cause for concern. Yesterdays debate is worthy of reading: https://www.theyworkforyou.com/debat...ailiff#g1160.0
  11. This is regarding my house sale which was sold at the end of April. I looked for an online conveyancing quote to keep costs to a minimum. I came across http://www.hbcconveyancing.co.uk/ i got a quick quote of £644. When i went ahead with my order i phoned up and asked about any other fees and if the coal report was included. I was told that price included all fees and its unlikely there will be any other charges. after the sale the total my lawyer took was just over £1200. £108 was for 2 chaps transfers, my request, so i got my money quicker. Its a long way
  12. Hi I have received a claim form from the county court for an o/s HoF storecard debt. The amount claimed before charges is £526. I stopped paying HoF/Newday about a year or more (maybe two years) ago as I couldn't keep up with the charges they kept adding to my bill. The original purchases amount was around £120 approx but then the late payment charges happened and interest on those then more late charges and more interest and now it's just got out of hand. I am tempted to phone Lowell and tell them that but I know it won't make a difference. I have used advice giv
  13. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile ph
  14. my landlord texted saying he wanted access to the loft as was wanting to fit an Ariel, I was ok with this and have prove that he said it will help prove my tv reception. today arrives and fits the "Ariel" well what can i say its 100% not an ariel and it is an telephone mass for EE from sigfox! Im fuming as it is plugged into my electric and I've contacted my landord for answers and nothing! what damage is this gonna do to the health of my family the house is already falling to pieces the electric needs rewiring, the windows need to be double glazed or the rotten wood replaced,
  15. Hi everyone, firstl, apologies if ive posted this in the wrong place. Im in desperate need of some advice/help, I lost my mum, brother and dad in the last 3yrs, last year I found my fiancé of 23yrs was having an affair, he left and said I could keep the house ( joint mortgage). I had a breakdown after he announced earlier this year he now wants me to buy him out. I paid the mortgage and utilities over the last ten years and I have sought advice to be told theres absoloutely nothing I can do. Im struggling to remortgage to pay him what he wants and now have been told he can ge
  16. Hello, In a nutshell, I left the UK in 1990 to live in France, was unable to keep up mortgage payments and unable to sell resulting in a repossession in 1991. A DCA chased me (I don't know whether they purchased the debt or were working on a commission basis), the last I heard from them was about 1997. Since 1999 I have been living in Italy and have rebuilt myself. Neither the DCA nor mortgage company have contacted me since 1997, but I do not think that they have my address. There are no CCJs listed against me at my last UK address. Is there anything that the
  17. My house buildings insurance renewal has been refused due to a motoring conviction. As far as I know houses don't have wheels or engines and aren't subject to the Road Traffic Act. How on earth can motoring convictions apply to houses?
  18. Hi what a pain. I arrived from Yorkshire early morning to check on my friends house in London, They are on holiday. He left me 30 day passes to park in permitted Zones outside the house street. When I arrived, I stuck one in my car - an one day all zone pass. 7:30am. About an hour later I saw a tow lorry outside about to lift my car. I went outside and said I have a pass and this is the house I'm staying in. Apparently I didnt read a sign they stuck up a few days ago? who knows. It said Parking prohibited on dates 30th april (today) due to footway reconstruction on both sid
  19. Good afternoon everyone, Yes, it's my first post at the forum because I haven't had any problems like that and my knowledge of UK's law is very poor on this field. Let's start from begining. I've bought a car in August 2017 and got few PCN's that I didn't pay at the begining. After few weeks I got 2 letters from Medway Council to pay two different PCN's that I've paid (last one was on 27th September). Two days after I've moved to another flat in gorgeous Chatham. I've informed DVLA about moving and have VC5 with new address and a date 08/11/2017. Since then I didn't
  20. Hello, I was hoping for an outside opinion of the situation I have got myself into- I've been a customer of Bright house since Early 2015 and have had multiple agreements since then. I currently have 7 agreements, all but two with over 50% paid off, a few only have a couple of weeks to a couple if months left. My weekly payments are £80 per week right now. Some of my items are essential items some non - essential. I have found myself in a bit of financial difficulty of late, behind with rent, c-tax, electric... all of which I have been able to come to an affordable pay
  21. Does anyone know offhand what the situation is with insurance if you use house/pet sitters for an extended period away from home? These wouldn't be tenants - no rent but there would be meter readings and they would pay the home owner for utilities.
  22. I have CCTV pointing to three external walls and I'm planning a house move. If you saw a house with CCTV on it for sale, would you still consider it? I am in a quandary over will CCTV prevent my house sale and should I risk taking it down? H
  23. Sorry if i have posted this in the wrong section but here goes . Me and my partner currently live with my mum in her house . The house is paid in full and my father has passed away . My mum wants me to buy the house for £160,000 so she can give my 2 brothers and other sister £40k which is their inheritance and £40k back to me. I have about 50k in the bank so we said we would buy the house for £120k thats with my inheritance off and i would get a mortgage for 70k which me and my partner could afford easily with my 50k deposit against the mortgage . I rang halifax and t
  24. Hi all i really need advice on this, i' ve lived at my home for over 33 years, last year i was diagnosed with diabetes then had a heart attack, that drove me into deep depression, burying my head in the sand and from my wife. i started gambling, hiding this from my wife by hiding letters from post ie bank statements all letters so she wouldn't find out what i was doing. next thing i stopped the mortgage direct debit to pay a big bill off forgot to put it back on then found myself in arrears leading to eviction. i am now homeless through this stupi
  25. I had the cabin components delivered on 8th January Due to issues with the base we did not start building the cabin 25th January We have now encountered a few issues with the build, and the company will only respond via e-mail and not over the phone which is dragging out the resolution of our queries At the moment the doors will not align correctly and are out of alignment by 8mm. We have now been told to put the glass into the doors as they will hang differently, but we cannot see that this will resolve the situation Now, we have found another problem in that all fou
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