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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 immediately left the building. When the drill ended and I returned to my office, my work phone had been stolen off my desk. When I informed Asset Management of the theft, the person at the desk seemed understanding and stated verbally that this should be OK and I shouldn't be charged as when there is a fire drill, you must leave immediately and not stop to pick up personal belongings. I was provided with a new work phone a few days later and there were no other comments made by them. Come end of November, I have £300 taken off my payslip for the cost of a new iPhone 5. Before even considering whether they can do this, the price is not right. They currently retail on Amazon at £251, and I strongly suspect my employer gets them at a far lower price seeing as they order hundreds for their employees. So they are making a profit on this. By email, I questioned the deduction (and the price). In their email reply, they didn't dispute my story but said I was negligent as I should have taken the phone with me. I pointed to the fire regulations, which state, word for word: "...evacuate the building immediately and do not stop for any personal belongings. Delaying the evacuation to gather personal belongings risks the lives of you and your colleagues and may constitute gross misconduct." Their reply to this was that it was "obvious" that small items like your phone don't count in this rule, as your phone will be sitting on your desk (where we have a dedicated power cable for our phones) and so you will lose no time in picking it up. And they said making a police report for theft is pointless as it was now "too long ago" and in any case I was negligent (see 1st para.). I also raised the fact that there is CCTV - not in my office, but in the hall adjoining it. I.e. my office door is in clear view of the camera, so can see everyone who enters or leaves the office. This is the only door to the office. Even if the phone isn't recovered, I told them they can at least find out who stole it, on a matter of principle/ethics. They replied "data protection" and were extremely obstructive. What's the point of CCTV in this location if not to stop things being stolen from the premises or find the people who do steal? I issued a written reply by recorded delivery, challenging the deduction by quoting the fire regulations and stating that no exceptions are listed. I received no reply. I waited for my December payslip and there was no £300 refund. Where do I stand here? I was simply following the fire regulations. I am not in a trade union. Would CAB be a good start? Could I also claim interest on the money they are withholding from me? I have been careful not to mention legal threats as I know most people who say this never act on it. I am now at the stage where I would be happy to leave/lose my job to fight this. Threatening with going to the press would be futile as they are a very large company that has had a few controversies in the past and couldn't care less about negative coverage. Even if I can't get a refund on the facts, can I challenge the amount that they deducted as it is considerably more than the retail value of the phone? Thanks in advance, sorry for the long post!
  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. Also my space isn't near my flat its further up the road. I kind of understood as I could have possibly been using a space that someone else could have been using, all be it for a very short period of time. After paying these two charges from PPM I thought it was over ! Two weeks later as a result of having to pay £120 to PPM straight after moving in I had to do overtime at a weekend so I was able to pay next months rent. The overtime meant staying away with work from the 8/07/2017 and returned on the 11/07/2017. When I returned on the evening of the 11th I have been met with 2x PCN from PPM on my windscreen whilst I was parked in my own space. Straight away as I approached the car I have seen my permit was not stuck to the top of my windscreen where it was before I left. Both PCN's are for 'Not displaying a valid permit' one for 09/07/2017 & 10/07/2017. I thought this surely wont be an issue I will just send them evidence of where the permit had fallen (A video from my phone was sent) also a picture of my valid permit. After all it is my space and unlike the visitors spaces I could not have inconvenienced anyone as it is 'MY SPACE'. They should just accept that and cancel the charges. To my surprise I have an email from PPM stating my appeal has been rejected ! PPM is now giving me the option to appeal to the IAS but from my understanding I don't stand a chance appealing to them either? I don't really have the cash to pay the 2 x £60 at a reduced rate. Let alone £200 if the appeal to the IAS fails. However I really do feel they can't do this. Any help is greatly appreciated. I understand I probably haven't included all the information you guys need to help but I am also not sure where to start. I have included the response from PPM in a ZIP file with my name and REG edited out. Just let me know what you need and I will post it up ! Regards, tissot docs1.pdf
  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 my house. Roll forward 2 years i find out from my tenant that she'd been having to take time off work for 4 inspections every year and was being harassed by reed rains if she didn't reply when they were wanting to arrange them. She doesn't earn a huge amount so taking time off work was difficult and she worked at a hospital so having to sort out cover on shifts. Understandably she was frustrated and got in touch with me They also issued my tenant with a new AST and charged them a fee (which i hadn't realised) so on the 2nd year of being with them, i told reed rains i'd pay the fee for my tenant, count many many emails later from me to them to several people telling them over and over again that i was paying it, they were still harassing my tenants to pay the fee so again, my tenants is left frustrated and upset Responding to their emails and trying clear up their confusion was taking up so much time (and becoming stressful and frustrating for me too), I gave reeds rains 3 months notice (by email and i got a response back from them) and i thought that was that A week ago i found a brown envelope through my letterbox, i was a county claims letter All it says is i owe them £633.90 for a 'withdrawal fee' which i know nothing about, i can't find the contract i signed as remember scanning it and emailing it back to them but i can't find the hard copy Prior to this i don't think i've had any communication (I did have block their emails as kept sending me marketing information (gdpr?) Has anyone been through anything like this or offer any advise at all?
  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 sold the property to the housing association, who then sold it on to me, I must deal with the housing association and not the builder. I have again, been back to the housing association who have again not come back to me. I have written them an email which in summary says, "You have again not responded. If you do not respond and provide some form of acknowledgement of my snagging list, I will be forced to take matters further". In legal terms, how can I take matters further? I want to threaten getting independent tradesmen in to rectify the issues on account of nobody taking ownership of these issues. I also pay £300 in rent and £45 per month in service charge. I don't think I can stop paying this and this could cause me further issues along the line. Can anyone advise me on what I can do next? Every time I ring them, I have to deal with people who don't know what they are talking about and tell me they will ring back and never do. Any help would be really appreciated as I do not feel it is fair that social housing tenants or owners should be treated in such a disrespectful way.
  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 for this £114 since then. As the years went by I continued paying the annual maintenance to the present day, I am up to date with this and they have not sent me any letters until I received a letter dated 27 September 2016 where they state that I owe them £978.04 and they will shortly be commencing legal proceedings. I emailed them asking for an explanation and they have emailed over a sheet which explains how they have come to the £978.04: Extracts from their document: 28 May 12 – late payment fee £114 01 Jul 15 – general maintenance reserves including section 20 works £208.38 - paid 10/10/16 01 Jul 15 – insurance excess reserve £67.66 - paid 10/10/16 18 Feb 16 – legal fees re section 146 procedure £450 27 Sep 16 – administration fee £138 Total: £978.04 of which £702 is fees/charges I paid the one-off ‘general maintenance reserve’ and the ‘insurance excess reserve’ today as these seem to be acceptable charges relating to running the building. However, it seems they have added fees/charges/fines to the ‘reserves’ costs which they believe I have deliberately not paid but in reality I didn’t even know about the charges as they did not send me any letters about them. So I supposedly now owe them £114 late payment fee from 2012, £450 section 146 charge from Feb 2016 and £138 admin fee from Sep 2016. Total of £702 in charges which seems extortionate. I must stress they have not been sending me letters in regards to any of these ‘charges/administrative fees’ or the ‘reserves’ charges from 2015. I am totally up to date with all of my management fees and I would have paid the ‘reserves’ from 2015 if they had sent me a letter. I have told them that they have not sent me letters and they said they have. I have checked the address they sent them to and it is correct. I cannot believe they are threatening me with legal action – had I known about the 2015 ‘reserves’ charges I would have paid them just like I always pay my annual maintenance charge, and now they have added so many costs. How can I stop them taking this to court?
  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. Hi all, I am new to this forum so please forgive any mistakes. I am having an awful experience with the above companies. It all started with a service charge debt.. not very old..was due in December 2017 in advance for months Jan/Feb/March/April. Hands up.. I can never afford to pay in advance but have always paid by the end quarter month. In April 2018 received a letter from Property Debt Collection for the service charge (which obviously had no quibble with) but they had added excessive fees. £250 for the Managing Agent to instruct them and £350.00 for their initial letter to me (which contained land registry entries which imo a bit premature at this stage). I offered to pay the Managing agents the service charge and they flatly refused to deal with me saying I could now only deal with Property Debt Collection. I tried to pay Property Debt Collection the service charge debt, plus £250 for the Managing agents fee (ok.. it was late so that's my fine), but only a reasonable fee for their letter of initially £10 which I increased to £50.00. They flatly refused this saying they do not take part payments. I offered them this on more than one occasion and also went back to the managing agents... no joy To cut a very long story a bit shorter, it was passed to PDC Law (obviously related) who have taken me to the County Count Money Claims. It has gone through the process and it seems that the Judge has entered that I pay them £833.20. This is a lot more than I expected to pay as I sent the court a part admission and defence and acknowledgement of service etc within the timescales. I also sent him all evidence of me trying to pay and the various parties refusing payment. So today at the last final hour I gave in and as the Judge instructed rang PDC to pay them the money of £833.20 as on the Judgement for Claiment . I was in total shock when they refused to take this payment from me. They said they had issued a Section 146 Notice, on the 5th October, which I have not received (I run a business from home and every piece of post is logged in), they also said they had sent one to the Building Society. I said sobeit but this is what the Judge has ordered. I literally begged them to take the money as I said it was the last day for payment and the CCJ could then not be lifted in the usual way apparently. It appeared they were blackmailing with this as they said it would be if I paid them a sum of £2308.15 !! I have informed the Court about their refusal who said this was unusual and asked me to send this in to them in writing. I so worried about this. .. I have been dealing with this for my son and it appears that I have go him into a whole lot of trouble. Can any help please??
  8. I have a flat and owe ground rent and insurance charge the total outstanding was £597. Then the debt was passed on to PDC I offered them £60 per month but they refused it. The next thing I received from PDC is a court summons and the claim has escalated to £1882.59 within this amount is a PDC fee for £250 and another to PDC for £840. The balance is made up of Solicitor's fee £80 Court fee £115. Can someone please explain how can PDC charge £1090 which is almost double the original debt. Thank you all
  9. 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 he knew what it was about. As always he said not to bother speaking to them as everything was ok. Curiosity got the better and I called them, I was horrified to learn that the property is in severe arrears and legal action has started to get the property back! when I spoke with my ex he tried to claim that everything was ok and he will pay all the money back. I know that this will not happen as the arrears are far too high and if one payment is missed then the court will enforce the order. I have asked my ex to sell the property but he is dragging his heels and lying to me when he says he's got someone coming out to value the house. What legal route can I go down to force the sale of the house. The property needs to be sold as I know it will be repossessed if not as the payment schedule is huge to clear the arrears. I am a bit lost as to who to speak with, would it be a family solicitor or a property solicitor? Any advice is appreciated.
  10. 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 vehicle swings open, hits my gate taking it clean off it hinges and taking a wall down with it and damaging my neighbours garage and fence. Someone witnessed the incident and took the registration details of the vehicle and it does seem it's from my local council. What is the best way of approaching this, as it's going to cost a lot of money to put right and I don't see why I have to pay for this though my home insurance knowing full well what and who caused the damage.I will be making a formal complaint to the council tomorrow and have also reported this to the police. Can I issue a council with a 7 days notice to repair the damage or go to small claims court. I can't leave it like this for to long as my house is not secure and anyone can walk in through the back even through I have temporarily fixed the problem. Any advise will be greatly appreciated, particularly what you would do in my situation. https://ibb.co/b5vmuz https://ibb.co/d98T7K https://ibb.co/ivPPge Link to video below. https://vimeo.com/user89721934/review/290783305/28eaa7e079 Thanks
  11. 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 drop. There is no lock on the door to his room so this can be accessed at any time by anybody with access to the building including other residents. He has no written tenancy agreement and the landlord just sends him a text when he is about to arrive, without prior notice. There are other issues but I think this initial post is long enough any advise would be much appreciated thanks in advance
  12. 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. None of the high street, telephone insurance companies seem to understand what a trust deed is.
  13. 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&Cs etc. They have refused to pass on these documents as i am "Not Entltled" to these documents as the company does not exist. I have had no communication or updates from Cabot. Lloyds say that I must ask Cabot to release the charging order although in the name of Lloyds. Is all this correct? Any advice appreciated
  14. 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 having asthma. I really have no knowledge of this going to court am worried sick can anyone help me.
  15. 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 the house would go to my mother in law to cover renovations she's paid for. Now I have strong evidence my wife is carrying on with a work colleague (been seen out, tracked to his house, shes hiding messages and always on the phone). Am I right in saying that if we divorce and the house sells, given that it'll be worth around £420k the following is correct: Value - £420k Mortgage O/S - £200K MIL - £100K Remaining = £120K The remainder would be split 70/30 based on the TR1? I hope this is the case as wife has put me in a bad situation but equally herself by messing around so soon into the mortgage. She's indicating that a solicitor has told her that her £100k investment would come off first but that makes no sense as we have paid the mortgage 50/50 and the TR1 would be a pointless exercise. Hope this makes sense and someone can offer something before I seek legal advice.
  16. 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 to smell as a result. So when we noticed after a couple of weeks that the carpet still hadn’t dried out properly we then found that the flush pipe that went into the back of the toilet wasn’t fitted properly either. So again the same guy who did it all came out fixed it or so we thought. Again the carpet failed to dry and then we noticed it was coming out from the bottom of the cistern, the guy had forgot to put a washer back between the Cap That screws the flush pipe in place. In the end did it myself no problems. fast forward various other things going wrong being fobbed off as by letting agents. It’s led me to question the room size of a third bedroom. Currently we have two children boy and a girl aged six and four. My son is horrible to his sister and frequently makes her cry . He’s recently had a diagnosis of ADHD and now medicated, so ideally would like to put in his own room. We have lived in the property five years and never used the third bedroom except for junk. We came to fit a bed in there and nothing else will fit. Not even a chest of drawers. Have we been mis-sold a three bedroom house when in fact it’s only two what is the minimum area to be classed as a bedroom. Because just the bed isn’t very practical. The bedroom ones was a lot larger however it looks like the bathroom has been moved from downstairs, upstairs and cut this room and half to accommodate it. I keep googling and seen HMO been 70 ft.² but didn’t know if Applied to residential places as well. Wondered if people can help and advise me Thanks
  17. 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 fee will not be waived but no breakdown and no reference to the clause in my lease that allows a reminder fee to be charged (I'm unable to find such a clause). I challenged again, stating I was happy to pay the outstanding balance, less the reminder fee unless they responded to my request for further information. I received no response but have today received a letter from Property Debt Collection Ltd, in respect of the outstanding amount of £150, plus the reminder fee of £34, plus another £80 admin fee, plus an additional £150 for PDC's instruction: a total of £414. My questions are: 1. Are any of these fees lawful 2. Should I contact PDC or the original management company and pay the outstanding balance of £150 whilst I challenge the remainder? 3. Is there a valid challenge or should I just suck it up and pay? 3. Is there some other action I should take? Any advice would be gratefully received... Many thanks
  18. 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 was declared to the lender from the very beginning; nonetheless, the product offered to me was an unregulated loan. As I was not eligible for a mortgage at the time and it was very unlikely that I would be by the end of the loan term, sale was my only option of exit strategy. This was a better option than having the property repossessed. The Receivers have said I must either remove my belongings or pay for storage. I have not abandoned my belongings or “left them behind”. I am in the process of remortgaging and they are aware of this, as I have kept them informed. The mortgage has been agreed subject to valuation which is due tomorrow. Can they force me to empty the property?
  19. 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 is with larger furniture i.e a 3 seater sofa.
  20. 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 paid for despite being shown on the bill that it was a work call which has added additional money on to the bill) My partner also has to use his data on his phone which always goes over his limit as he needs to use the maps to get to customer locations. I also want to add that this company ( my partner has been working for for 3 years) has issued him with a warning about his phone which has absolutley infuriated me! This company also use our electrcity at home and our broadband to update their console systems for the bus! They also use our money to buy batteries and cleaning products for the bus ( which they hardly ever re-imburse) Also he cannot have sick days. They said to him if he is sick and there is no cover he will be charged from his wages the cost of the party ( upto £300) Also he has missed out on holidays and weddings as they are booking parties so far ahead we as a family cannot plan anything. They have also said that if a party is booked that day ( parties are always booked 6 days a week..upto 3 parties a day so he has one day off a week) he absolutley cannot have that day off. I'm honestly so sick of this company, i feel like we are being taken this pee out of completely. Any advice would be greatly appreciated as this is so much to get our head around. I think them issuing him with a warning over his personal mobile phone for work usage was the last straw. Many thanks for your help
  21. 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 someone who has now left and I agreed to the work. I know full well that the work never happened. I have since had the fridge replaced as it was cheaper to get a new one than to repair it. What information can I insist that the property management company provide me with to show that I authorised the repairs? For example invoice from supplier any others? Also, are the allowed to deduct the money from the deposit money?
  22. 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 our next door neighbour and three other houses going the other way. Does anyone know if there is any way I can force the issue?
  23. 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 invoicing for the service charges (or the part of, each property is due to pay - in our case £150.00 per year) but has always been in the wrong name - despite Land Registry having the correct property owners names since moving in. I personally have written to the actual maintenance company and advised them that it is in the incorrect name and it has never been changed. This has been done 3 times over the years and I still have the letters sent, each one referencing the previous dated ones, however, they have not been sent recorded delivery but it would be very odd for three to not reach their destinations and even more so, they had return address labels on them, 2 I am sure about. I advised the property maintenance company that until such time as they put the change in place they would not be paid as we would not pay on an account in the wrong name. It then got left and we haven't heard from them for around 3 years. Recently (two to three weeks back) we have received yet another letter in the wrong name but from HML Guthrie and then within a few days we received a demand for payment from PDC with a document to fill out asking for our bank details and mortgage numbers. Obviously we won't be doing that and we have no mortgage but seems they want to levy the charges against a mortgage, may be standard practice? I got in touch with PDC and advised them that it was in the wrong name and that HML Guthrie will also be advised. We then receive a letter from HML Guthrie with a request for payment on it for the back monies and extortionate charges (details below) in our name which they have acquired from Land Registry. 31/03/15 - £600.00 - Arrears 01/04/15 - £150.00 - Charge 01/04 - 31/03/16 10/02/16 - £96.00 - Arrears Collection Fee 14/07/16 - £150.00 - Charge 01/04 - 31/03/17 18/11/16 - £36.00 - Arrears Management Fee 21/03/17 - £150.00 - Charge - 01/04 - 31/03/18 30/03/17 - £180.00 - Instruction Fee 30/03/17 - £168.00 - Debt Collection Fee £1530.00 - Total All the charges were previously sent out in the wrong name. I have written to the Debt Collection people and advised them they will get no monies based on knowledge I have got from reading some posts here with DCA'. I have also asked HML Guthrie to provide proof of their right to collect the monies on behalf of the management company, such as an agreement showing they have such rights. They (HML) are not mentioned in the deeds but the management company is and we have no issue with paying the charge although we strongly deny owing them for previous charges when not in our names and certainly not the ridiculous charges they have levied onto the invoice for silly things such as arrears management fees and instruction fees etc... HML have failed and downright refused to provide proof of right to collect and at this point we refuse to pay monies to a company we have no real proof of who they are. It has been suggested to ask our neighbours but this is beyond us doing the work for them now. Obviously you will see the amount of frustration these people (for want of using a different word) have caused us. We are now being chased constantly by email, they don't have telephone details but they have been told to put everything in writing via Royal Mail. Can someone please offer some help and advice here. Surely they can't get away with this and there must be some way of stopping them?
  24. 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 company dating 26 april 2018 with the following charges Service charge - 670.33 Reserve fund - 390 service charge deficit - 45.67 Reffereal fee - 300 managment fees - 96.00 PDC instruction fees - 240 PDC additional costs - 10 I called PDC to make payment of what I initial owed of service charge,reserve fund and service charge deficit which was 1106.00 but they refused and wanted a payment of 1751.90. Can please advice how I go about this . The letter sent to me includes 1. register of title 2. information sheet 3. reply form Have filled the reply form saying am only prepared to pay what i owe and need an explanation for unreasonable fees added. will appreciate the help Regards, Dennis
  25. 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 they moved in they started playing loud music, their children would bring their teenage friends and they will drink and play loud music. They burn fires in the rear garden and have started to damage the fencing which i put up one of the children broke my bedroom window about 3 years ago and i reported it to the police at the time that i suspected the neighbours. i installed central heating about 2 years ago, which cost nearly £3000. At the rear of my house their is a massive field from which thiefs at night walk through and enter the rear gardens of the houses and break into the house that way. About a week ago, I was out of the house for a few days and when I returned I found my rear patio door glass panel broken, the lock damaged all the radiotors ripped off the walls all the copper piping with the central heating stolen inc under the floor boards 2 giant holes in the ceiling where the piping was pushed through I reported it to the police who came to my house, they found my radiotors behind the fence in the rear garden - in the waste land. The only people that knew I was away was the next door neighbour, even the police told me it must be the neighbour but there is no proof. I am now installing a metal security grill on the inside of the patio door - as the doors open outwards into the garden. installing security grill over the kitchen window Can anyone tell me.............. is there a good cctv system that I can use which my sister can watch from her house which is 5 miles away? I am often away due to work, I dont have internet at the house. How can I find out who the owner of the wasteland behind my house so i can sue them for not fencing off the wasteland and allowing fridges, washing machines, needles and lots of household waste to be thrown behind my rear garden fence? The waste land has an illegal pathway that runs into the next door neighbours rear garden, even if it was not there robbers can walk through the wasteland and enter any house from the rear gardens under darkness Which is a good alarm that can detect broken glass in case someone tries to break into my house again I have had lots of dirty nappies, bottles and rubbish thrown into my garden by the neighburs they have also damaged my fence from their side of the garden they have damaged 1 concrete post in the rear garden which the fences fits in legally can i get the next door neighbours landlord details and take him to court for letting his tenants damage my property? how can i get details of the person the owns the waste land and force them to put up security fencing across the entire wasteland field to stop people walking through it - its a danger and health hazard, with fridges, tyres bottles, needles and household rubbish thrown into it How can I get the landlord details - I asked the neighbour once and she refused to provide the details Can I take the next door neighbour landlord to court or even take the neighbours to court? please please help, i am a single lady at home and i don't know what to do, the police wont really help me I am now too scared to move back into the house and have put my house up for rent and moved in with my sister, i need to get the wasteland owner to fence up the wasteland and get a good cctv system which i can hide somewhere in the house (as i dont have a internet so cant use an IP or internet cctv system) and catch the people because i know it will happen again, now they now i have moved out and put my house up for rent
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