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Found 15 results

  1. Hi there, Is there anyone out there who can help me? We have a former GMAC mortgage that went over to mortgage Express. We were keeping up with the mortgage until I finally succumbed to my illness and disability. We are currently five months in arrears which works out to be £4250. I was working part time and my wife was working full time and up to earlier in the year keeping up with our mortgage. We thought we had sorted ourselves out with my working part time and my wife getting a full time job a while ago. I had an operation several years ago, that resulted in dama
  2. It’s recognised that banks and the like can sell on debts owed to them by individuals or organisations. However, what seems unclear is on what basis this is legally obligating so far as the borrower is concerned. When a debtor defaults on a loan the lender will serve a default notice in prescribed form and duly terminate the contract on account of non-compliance with the terms on the part of the borrower. It’s that original contract between borrower and original lender that would typically include a clause requiring acceptance by the borrower of the sale of the debt and consequen
  3. I'm currently living in a privately owned residential road / estate. A management company was formed last year which then purchased the common parts of the estate, ie roads and footways etc. The company has indicated it's intention to issue fixed penalty tickets to anyone parking there without a permit. This of course raises several questions, such as whether these charges would be enforceable. There are also various practical issues which I can envisage arising, for example, if a legitimate visitor was to arrive unexpectedly, or outside of normal hours, with no means t
  4. Where does it leave you if you buy a vehicle from a dealership that has had one previous owner and then at a later date you find out the car was a hire car? It was not disclosed to you by the dealership when making the deal. In essence the dealership has done no wrong and the car has been correctly advertised. This happened to an acquaintenance of ours and due to the vehicle breaking down so often he eventually took the hit and traded it in for another brand of vehicle even though the dealership repaired FOC every time. Could he have made a claim?
  5. Hello everyone, I'm new here so do please bear with me and forgive me if I don't get things quite right or breach any conduct.I've done some research and this forum seemed to be my best option for gleaning some advice. I'll try and give you as brief an outline as possible but please feel free to ask questions if it doesn't seem clear.I have a resident's parking permit for where I live but there is space for only about 5 cars maximum in the designated area.As a consequence this mean that I sometimes have to park in an area that is owned by a business just a little further down from th
  6. Hi, Was wondering if anyone can offer some adice as to my current situation with regards Welcome Finance. To cut a long story short I took a loan at 76% interest when I was 18. Couldn't make the repayments and fell behind, eventually becoming unable to make any payments. A few years on and it's a different story.. . Making real money in a decent job and all of a sudden welcome come chasing. Unbeknownst to me, My loan (in default) was moved to a new Welcome Regional Office as part of their internal re-shuffle. I continued to repay said loan without qu
  7. Hi all, I've just joined and would like to throw this question out to whoever has the knowledge to answer it! Can anyone advise me on the legality of charging people, on JSA, council tax when by it's own calculations/admission the government says " This payment of Jobseeker's Allowance is based on the amount the law says you need to live on." How then can they charge you council tax which in my case,this year, has risen to over £200 a year i.e roughly £20 a week. Thanks
  8. Hi All I have got caught going 57mph in a 50mph average speed camera in the UK. I have been reading online that a lot of these are not actually legal or enforceable, as they are quick, temporary, changeable and have not been passed through parliament. Is there any way I can check if this is linked to the camera I went through? I also read that they may not have a set speed limit in the legislation - i.e the camera's can be set between 50 and 60mph, and in this case they are not enforcable? Is there any way to check? It was on the M5
  9. I have recently been in touch with someone regarding the police taking their car because they were driving without insurance. It turns out that they did have insurance which was only just bought less than a week before but the insurance company had not updated the details with the central computer. I actually wondered if the police had the legal right to take possession of your car or can you refuse to hand over the keys and force them to get a court order to take possession? If the car is in a position that can be construed as "parked" when you are stopped, can yo
  10. Hi I'm hoping I can get some advice on here about my current landlord situation. I am currently living in a house that my father had rented from 1964 and when he died in 2011 I inherited his tenancy. There was an issue though in that my fathers original landlord had died and his estate was in probate - when I made a claim to inherit the tenancy things got a little nasty. Essentially I was told that I had no right to live here by his solicitor and he started to refuse the rent from me. I made it very clear to the landlord and solicitor that my rights to remain in the home I grew up in
  11. I missed a final payment for council tax so got a court summons. I then made this final payment and told them that I wouldn't pay this £100+ for "authority costs". I asked what exactly this £100+ was for and the representative said that it was to mail the letter. This can't possibly be legal. After I said that I was happy to go to court over it they said that the magistrates' court was no longer an option because I paid the council tax due. So where would I dispute this ridiculous £100+ to send a letter? They ended up waiving it after I said I refused to pay and I'd have to look into
  12. Hi, I bought a car in June (well, my mum did!). I am driving the vehicle and the main driver. I am insured as the only driver of the vehicle at the moment - which is all above board - but I am not registered as the owner/keeper. The car is financed in her name - but I am paying the car payments. Do I need to transfer the car over to my name, or is it OK to remain in her name? Thanks in advance
  13. My 16 year old has recently found a job at a well known Sportswear chain. I was very proud of them, they are going into their final year and studying for the exams which will hopefully see them go on to university. Unfortunately, the more I'm learning about this well known company, the more sickened I am at the way they operate, and the more I'm questioning the legality of their treatment of employees. Firstly, all staff are on "zero hours" contracts, so they don't have to give them a set number of hours...this is used as a "carrot and stick" in order to force them to sell their own
  14. I am wondering if a commercial loan agreement I have with NatWest is valid as due to a change in the properties borrowed on it is not for the amount I borrowed. I would not normally be concerned but they have called in the loan. I was told it would be renewed at the end of the term but then the banking crisis happened and they changed their minds. They are also using a cross collaterisation clause on other loans I have with them over a longer term. They said they would never use this clause as long as I didn't miss any payments which I haven't. Please note I am no
  15. I got a ticket through the post for stopping in the box junction. When I made the decision to drive into the box: 1. The cars in front of me were all moving, nothing was stationary 2. When I look at the picture, about a 1 - 1.5 ft of my car is in the box 3. Although this is initially a 2 lane road, the 3 cars in front of me were straddling in the middle of the two lanes, I was trying to stay to the right lane as I did not want to get blocked by parked vehicles ahead if I stayed in the left lane. If I would have forced my way totally into the right lane, half of my car would have been on
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