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About Me


Found 11 results

  1. Hi there, I am self employed and have worked successfully with TaxAid to get rid of any fines, so I know exactly what I need to pay. The debt is about £9,000. How can I best negotiate with the HMRC Taskforce without taking the bankruptcy route? I have heard of asking for the debt to go into remission, which basically pauses it for a length of time. I can afford to pay about half of the £9k up front. But I don't receive a monthly wage, it comes in unpredictable chunks throughout the year. Does anyone have any advice about how I can propose a repayment schedule? (I wil
  2. Has anyone dealt with debt collectors and had success in reducing the interest / charges removed to pay for the actual debt. If you have I could really do with some help as have some bad old debts that just keep resurfacing and now need to face up to them and arrange to settle to become debt free. Any help would be really appreciated.
  3. We've been in the property 12 months, and 10 months in the landlord has served us with a section 21. So we have two months to leave. An estate agent has been in touch regarding viewings and we have been as accommodating as we can. We have found another place to rent and have asked if the landlord is willing to end the tenancy early, and the answer was no. We can leave early but still need to pay until the end of the 12 months. The new landlord doesn't want to wait that long and if we cant move in earlier he will have to let it to someone else. So, in an attempt to persu
  4. Hi, Can someone please help me, My local council (Sefton) has passed my council tax arrears over to the bailiffs there are a few years worth as I got myself in a pickle as I work on a zero hour contract, totals around 4k they are refusing to speak to me and negotiate until I make a payment they want there fees £567 before negotiating, they just keep refusing to speak to me. I phoned the council who said they should be negotiating with me but there is nothing they can do and they wont recall it, I just dont know what to do now. Thanks
  5. Last Wednesday, completely out of the blue I was called to a meeting at my HO and told that due to restructuring my job is at risk, the company produced a settlement offer and has given me a week to think about it (unlike 10 days as in ACAS guidelines) They refuse to announce the nature of the restructuring, just that I don't fit within it and if I decline the offer then I have been told in no uncertain terms that I will be made redundant and end up with less money than they are offering. Although I don't know (and probably never will) I am almost certain based on noises from the pas
  6. Hello, My mum's car was written off, not her fault, and the money offered by the IC was far below par for the car: great condition inside and out, flawless body and paint, under 70K miles although 14yo, but in perfect working order. She has already paid in the cheque but not spent the money, and I was suggesting after only finding out that this was not a fixed offer, that you can negotiate the amount on the value of a car of the same. What I would like to know is that can the cheque be made out back to them with a lettter of complaint about the amount and if they do not sort it
  7. Hello all. I have trawled through the threads and cant find anything relating to my issue, but please accept my apologies if it has been posted already. I will try to keep it brief as possible, but really hoping someone can advise where to go to from here. I purchased a small cottage from my boyfriend back in 2008, in West Lothian, with the intention of fixing up and letting out. This was to be a project I had been wanting to try for some time. Following some renovation works, I finally was able to let out and my first tenant, Miss A, moved in in Aug 2008. She even
  8. Hi all I was just hoping for some help with this. I bought a property for £235k 2 years ago. There is a ground rent accumulator within the lease that starts at £250 per year and doubles every 10 years until the 50th anniversary, so in other words in 50 years the ground rent will be £8k per year. The lease is 125 years, so 123 years to go at present. Obviously I would like to remove this ridiculous clause. I have requested a valuation from the freeholder to extend my lease by 90 years and thereby reduce the ground rent to a peppercorn. They have quoted £22,950 + £845 legal costs + £57
  9. Hi, I currently pay £775 a month in rent to my landlord, they are a property company and own lots of houses. My tenancy is due to end the 24th January. I completely forgot and first call I get about it is today from one of the admin girls at my landlords office. She says to me they need to increase the rent by 4% to £806 a month. This seems like a massive increase to me, I understand and will accept an inflationary increase but I just want to understand my rights as a tenant and wether I just ave to grin and bear it or if I can negotiate. I've had a look on right move and in my area 2 bed
  10. I have an RBS credit card account, but no valid card. I fell behind with payments some two years ago following redundancy, and an inability to get a new job. My savings are exhausted. RBS say 'if you are having financial difficulties, call us' but all I got was cold people on the other end, saying 'we don't negotiate on the interest'. The debt is not astronomical - it is about £3,800, and I was paying through my bank on DD. I can no longer afford to do this. Does anyone have any idea why RBS simply will not work with customers who are in trouble? The worst thing? They removed m
  11. Hello everyone I hope someone can give me some advice on how to resolve a dispute we are having with our landlord and estate agent. Mid-July my girlfriend and I signed an Assured Shorthold Tenancy Agreement to rent a one bedroom flat with sole use of an external store room/study (outside flat but still in building) and sole use of a terrace. Since then everything has started to go wrong. The landlord came in the day after we signed the tenancy and removed the keys for the store room/study, post box and terrace. We returned to the property a few days later and found these keys mi
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