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  1. Hi all, thanks in advance for reading and any advice. I'll try to be as concise as possible. I have an iPhone provided by my work. It states on the iPhone Policy that if you lose the phone or it is stolen, you will have the price of the iPhone taken off the next payslip. The only exception is if you can provide a police certificate that it was stolen, but there is a sub-exception here that states you still have to pay if the theft was facilitated to clear negligence on your part, e.g. leaving it unsupervised in a public place. In November 2015 there was a fire drill at work. I immedi
  2. Hi all, I have recently moved to the Winterthur Way development in Basingstoke. I rent a property which includes a parking space. It wasn't until I moved into the flat that I was given a parking permit and told to use it when parking in my allocated space (This was something that was not mentioned in my tenancy agreement!). After moving in I received 2 x £60 parking charge notices for using visitors spaces (Returning within a 48 hour period) to drop off my furniture. I used the visitors space as I had to use a different car of a suitable size to drop the furniture off.
  3. I’m looking someone who can help relating to Reeds Rains, a property management company based in Halifax, yorkshire that I used up until October last year and who now appear to have sent me a claims letter demanding £633.90 I realise this is a relatively small sum but i'd like to see if i have any options and not panic and just pay. I left because when i signed with them the contract stated 4 inspections a year, i asked them not to do 4 inspections per year, 1 a year was enough as they're my existing tenants, i've had them a while they'd been great and i trusted them to look after
  4. Hello there, I purchased a shared ownership property (75% of) earlier in the year and completed my snagging list. When I contacted the useless housing association I purchased the property through, they told me on three separate occasions that they would ring me back and nobody did. On the fourth occasion they told me that they could not help me as I owned my house and they only deal with residents who rent from them. They told me I must deal with the builder directly. I have now been chasing the builder four times and after the fourth and final chase, the builder has told me that as they
  5. I own an apartment which I used to live in around 5 years ago before I moved into a house with my girlfriend, since then it has been let out and I have been paying all of the annual maintenance fees. I gave them my new correspondence address and they have been sending letters for the annual maintenance fees since then. In January 2012 the current management company took over from the previous management company. In May 2012 they applied a £114 late payment fee to my account. I disputed this, didn’t pay the fee and asked them to waive it. They did not respond and they have not chased me f
  6. Last night, an unknown tall vehicle drove past our home and ripped the mains power cable and bracket out of the wall in our house, causing significant damage to the wall and roof. The vehicle failed to stop. UK power networks were very quick to respond and restore power to our home within a few hours, however, the damage to the building still exists. My question is - Does this count as criminal damage, and should we report it as such? Or is it really not worth it? Does the repair bill for this fall on our shoulders?
  7. Hello, I am hoping to find some direction or legal advice. I split with my ex-husband 7 years ago and divorced 3 years ago on the grounds of his adultery. I moved out of the marital home so that he had somewhere for our young daughter to stay when he had her at weekends. I went and got myself a rental home. The agreement was that he paid my half of the mortgage and I in return didn't ask for any maintenance. I was somewhat shocked this week when the mortgage company wrote to me this week at my new address which they didn't have the details to get in touch with them. I asked my ex if
  8. Hi, I was hoping if someone could give me some advice in best way of tackling the damage to my property caused by my local council this morning. :-x:-x I came home this evening to see my rear gate in the garden which leads on to the access road at the back of the house broken, as well as brick wall knocked down. It appears this morning around 11am one of those caged type vehicles operated by the council was collecting rubbish along the road. From the CCTV footage I have (link below) the vehicle stops outside my back gate, as it drives away the gate at the back of the vehicl
  9. hi. im trying to help my son in law. now the landlord took him to court for £10.000 for the rent and energy bills. when the court hearing came the judge told them to agree the matter out of court. the matter was agreed and the money will be paid within 12 months which was agreed by both parties. but the problem arise when he tried to remove his machinery from the premises he wouldn't let him take it. and now he wants 9 months rent [ £9000] while his machinery was left there on top of the the money he already owed. but he never said anything about the rent at the time
  10. Hi all, I am posting on behalf of a friend who has been privately renting a flat for the last ten weeks. The flat is one room part furnished with communial kitchen and bathroom facilities. The room has no bed, just a matress on the floor, a sofa, a sideboard for storage and a chair, there is no radiators and no heating. There is no working shower and when you run the tap on the sink the toilet leaks ???. In the kitchen there is no working appliances (e.g cooker fridge etc.). There is no fire escape, so if a fire broke out downstairs, he would have to exit via a window with a twenty five foot
  11. Insuring a property held in trust I live in a property held in a Deed of Trust, set up by my parents as the original trustees. A trust fund from which I am the beneficiary, the life tenant. The trust is held to one third to my children, one third to my sister or children and one third to my brother or children. The original trustees: my mother is deceased and my father is old and ill perhaps not competent anymore. The trust is irrevocable and intended to for the rest of my life. My question is can I insure the property (being the beneficiary) simply as the policyholder. N
  12. Hello Try to be brief. had a ltd company back in 2005 with an overdraft linked with a personal guarantee. The company is now dissolved and Lloyds obtained a CCJ against me for the bank overdraft of £7900. I did not know about this until I searched Land Registry and saw a charging order on the property. The charging order was dated 2009 I contacted Lloyds who inform me that they no longer have the debt as they sold it and passed liability first to Hillsden and then to Cabot and lloyds. I have requested from lloyds all the copies of the original loan details, Ts&C
  13. Ive been in a dispute with npower for a few years now ever since they stopped us paying by standing order saying it was no longer available wilko and chapman (npower soliciters) have taken me to court which ive never known about and it looks like they have put a charge on my property because attached to their letter is the deeds to my house. I owe them £4000 and the only reason its that high is because they wanted me to pay £250 a month which i simply cant afford they tried the " we are going to fit a meter through the courts" which was declined due to 3 members of family
  14. I am asking generally as I can see things going this way if I'm honest. Embarrassingly I have been married around 13 months after a 6 year relationship and we bought a property Feb 2017. Mother in law provided £60K as gifted deposit (proof that it was non returnable) and Wife provided £100K that was gifted to her by her mother. We set the TR1 up as tenants in common 70% her way and 30% mine due to the fact that she provided roughly a third of the houses value upfront and then we went halves on the mortgage. We also setup with a solicitor that the first £100k of the sale of
  15. Hi all, I was told that this site may be able to help. We currently Rent via a letting agent who to be honest isn’t the best. Neither is the landlord of the property after we had a lot of bodged jobs doing we have had to rectify a number of things ourselves. Example of this was the toilet cistern been replaced which then leaked from the restrictor valve which was fitted. They came back and bodged it again the valve still leaked, finally The guy listen to what we said about the leak and found it . The carpeted bathroom (terrible idea carpeting in bathroom) was saturated and started
  16. Hi All, I'm hoping someone can give me a steer on the correct course of action here. I "own" a leasehold property with an annual service charge of £150 payable annually in advance. I foolishly missed the payment in April this year and received an invoice for the payment due plus a "reminder fee" of £34, which i duly challenged in writing, accepting the original £150 was payable but asking where in my lease it states that the reminder fee is payable. I also requested a breakdown of the £34 fee as I believe it to be disproportionate. I received a response stating that this
  17. I defaulted on a bridging loan and Receivers have been appointed. They have secured the property (changed the locks) and have asked me to book a time to remove my belongings (Torts Notice served). The property was and is my home and my only home but I have not lived there since taking out the bridging loan is because the loan was unregulated and I did not want to be in breach of the terms. However, it was never rented out; in fact, I never removed my belongings from the property. I have never desired to be landlord and the only reason for taking out the loan was to keep my home. This
  18. I purchased a new 2 seater sofa and 2 chairs from SCS, the delivery turned up today and the delivery men were unable to get the furniture into the property. They were useless couldn't speak much English and give up. There is another attempt arranged to deliver tomorrow with a different crew, hopefully this crew will be more professional. What I would like to know is what would happen if the second crew also fails to get the furniture into the property? Could I request a refund? I have never had problems before with getting furniture in and out of the property and that i
  19. Hiya! Im hoping to get some advice for my partner on an ongoing work issue. My partner works for a company where it relies heavily on contact with customers. This company has always said that because people now a days have a mobile phone plan that includes unlimited minuites and texts they dont see why they should supply a mobile phone or contribute to the bill. This company give every customer my partners personal phone number to contact him on. My partner now has had his phone temporarily cut off ( this is due to having to make a call to India for work purposes which they have not
  20. We had a property agent managing our property I asked for a quote for some repairs to a fridge freezer but given the costs I never went ahead with the work A year later and after a years battle to get the property agent to authorise the tenants holding deposit to be paid back to me for other damage to my property the agents have now deducted the cost of repairs to the fridge freezer. This is the first time that they have stated that there is an outstanding amount and I have never authorised for the works to go ahead. They state that I had a telephone conversation with someon
  21. There are five manhole covers on my driveway but the drains they cover are not to my property. I now want to re-surface my driveway and I've been quoted six thousand pounds. 1250 pounds of this is to deal with the manhole covers. Yorkshire Water sent someone out to look at them, but all they have done is replaced one cover that was cracked and therefore dangerous. I could put up with the drains and covers if Yorkshire Water was prepared to contribute to the cost of setting them in the driveway properly. They are saying they are not prepared to do anything. The drains in question serve
  22. Hello, Need some help with the above named company. We own our home on a "Freehold" - there is no mortgage on the property. It is in our name and we have no finance against the property. It is a house and stands on its own land detached. We live in an area that has a property management company who is named on the deeds and within the covenants. We moved into the property seven years ago from new build and there has never been a previous owner except of course the developer. Each year a company (various named companies) but the most recent called HML Guthrie has been i
  23. Dear sir, Will be very grateful if you can help me regarding unreasonable charges levied against me for not paying service charge ,reserve fund and service charge deficit fees. I agreed to pay the original charge in 3 instalments which was agreed to by the management company HML Anderton in september 2017 . I failed to make the last 2 instalments which were due in february and march 2018 for 500 pounds and 490 pounds becaue I forgot . They claimed to have sent me a reminder letters which I never received. I have now received a letter from PDC property debt collection compa
  24. I bought my semi detatched house about 5 years ago, the house next door at the time was empty. So I thought it was a good enough area and I would not have any problems. After 6 months the neighbours on social security moved in next door, the word chav is best to describe them......one of them have been in jail for robbery and gbh, he is a teenager, the rest of the family not good as well. if you think of shameless that would describe them! I spent £1200 on fencing so they could not walk into my rear garden and start smoking in the garden shed (which I have since thrown out) When
  25. I bought a house 10 years ago as an investment, put it on rent, not knowing that what appeared to be an the empty house next door being, was in fact tenanted by a family who came from a rough council estate, well known to the police. I put the house for rent 10 years ago, during this time the family next door have 1. Had a scrap metal business operating from their back garden, piling up metal against the fence, I fixed up to stop them tresspassing into my garden. 2. Used a air gun to break my window. 3. Cut down a massive 50ft high tree, which fell into my back garden, brok
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