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  1. As a landlord I am continuously surprised at what tenants will allow them selves to be conned into, this tale hurts my sense of fair play to tenants and I hope you guys can help. My friend is the 4th tenant T4, in a shared flat above a shop in south London (shop also owned by LL). It seems to be on individual contracts. The LL assigned my friend T4 with the responsibility of paying the metered supply water bill to the water company (lets call them WC as I am not sure who they are as yet). She calls WC and they arrange 1/4ly DD of £300. Although they did not change the name on the b
  2. I ended up with 3 debts to Barclays bank - Premier Card / Overdraft and Select loan.I challenged Barclays on the way that they had been charging interest on my Overdraft and Select Loan. Very good news they did not challenge me back but simply sent me letters saying they would be writing them off. I have written to Robinson Way who now hold the Barclays Premier Card debt asking for my terms and conditions / interest rates/ how Barclaycard applied them to my account. Barclaycard have supplied a copy of the original agreement but have said " WE ARE UNABLE TO SUPPLY THE HISTORIC AND VARIED
  3. Hi - I have been checking the info that GMAC gave me for an interest only mortgage, on reading through their tariff booklet and Mortgage Guide 2000, for Interest Rates it says the following: "The interest rate charged will be based on "LIBOR" plus an additional amount (a "margin") e.g.3% over the Libor rate. This means that if LIBOR were at 7%, the interest rate would be 10%. The margin applied will depend on the type of scheme you are taking and your personal and financial circumstances and this will be set out in your Mortgage Offer." OK - I notice that little bit about your circums
  4. Hi all, I wonder if there is anyone that could advise me in a pressing matter. Below are the details: Myself and two others held a lease for a commercial property between June 2012 to June 2017. In 2015 upon the breakdown of the business we had agreed with the landlord to surrender the lease and hand back the keys. The keys were handed back amicably however we were foolish in not signing any documents and neither was any provided or suggested. Until this time all business rates had been paid and settled. In the last two weeks a letter was received at my
  5. Hi all, Just need some help here for my daughter, She has just been contacted by her council claiming she owes money on two debts I think they are both for business rates, One debt is from 2002 and the other is 2008, Can they still collect if she owes this money after all these years have passed, Just need a yes or no answer if possible. Thanks.
  6. Sorry for the long post: I have been busy looking for ways to keep as much money as I can in MY pocket. By this I mean I always pay my bills on time and often in credit. I wanted to save money on my water rates and looked in to getting my supply from the water companies directly. Currently my bill is £10.35pw. Not a lot you may think! But this is paying the Council directly as they get a discount for being a huge customer. They appear not to pass this saving on to their tenants.... The interesting point on this matter is that you will be paying a share of other peop
  7. Hi Guys Just a quickie. How much (Average) would it cost a firm to receive a £1 standing order payment from me on a monthly basis?
  8. READ MORE HERE: https://www.gov.uk/government/publications/war-disablement-pension-2017-rates
  9. Greetings, i lost my business a couple of years ago and was left with arrears on my Business rates , the shop premises was leased to my Ltd Company but went into administration . The council served a liability order in jan 2013 in my name They have told me because i did not attend the hearing that i have to pay and the opportunity to dispute the liability has expired .. on top of this they are insisting i make large regular monthly payments which equates to 30% of my monthly take home pay saying they WILL NOT accept lower payments because of the age of the debt this is put
  10. Hello all, Looking to see if I can get some advice. I've received a letter titled 'change of address notice' with my details saying they've updated my new contact details and I must contact them about non-domestic arrears for a small shop I let out. A few things I'm concerned about. Firstly, this is the first letter I've received about this, I'm worried any arrears might have gone through the courts and that the sheriff officers might turn up to take away my things. Secondly the shop has been let for the last 10 years and it qualifies for 100% rates relief the
  11. A price cap to help consumers who use "rent-to-own" firms to buy goods is a possibility, the head of the City regulator has said. Andrew Bailey, the chief executive of the Financial Conduct Authority (FCA), said a cap would be considered as part of its inquiry into high-cost credit. Up to 400,000 people use rent-to-own firms to buy household appliances, paying the money back over three years. After interest, they can end up paying three times the original price. It follows a call for a cap from Citizens Advice, which said restrictions imposed on payday lenders two yea
  12. I thought I was good at maths but can anyone explain this to me? I have just 1 year and 4 months left on my mortgage. The mortgage rate has just reduced by 0.25% thus my mortgage rate has also reduced fro 3.75% to 3.50%. My repayments were £357.62 a month but have INCREASED to £378.10. That about 6% INCREASE per month. The mortgage company put a note with their letter saying the increase is because I am near the end of the mortgage term but I really do not understand that. If the rate has gone down surely the repayments should go down too. Can an
  13. I have just sorted out my council tax and I have now had a letter from marstons, saying they are coming with removal contractors on July 21st. This is for a CCJ to severn trent water. I was already aware I was behind with this and had filed a N245 for a variation, however when I phone Bradford County Court on Friday they said they were just about to deal with it. Do their officers have right of entry. Should I tell them that the N245 has be sent. There will not be any cars there and I will not be at home. But I don't want them to break in. I was under the impression they cou
  14. Hello hope I'm posting it. The right place I owe about £5500 to the rates people. Live in ni. ot disputing it just need to try to pay it now. However I had a warrant for arrest issued and attended an interview I am awaiting the outcome. My question is would I know if I had a charging order? Do you have to get a CCJ first? I've buried my head in the sand until now. Any help appreciated x
  15. The following guidance is featured today on SCOOP. http://www.scoop.it/t/lacef-news http://businessadvice.co.uk/tax-admin/efficiency/a-guide-to-bailiff-enforcement-procedures-for-non-payment-of-business-rates/
  16. I have started having a sort through old paperwork from the last 20 years, imagine my surprise about the gems one finds. My first loan was with Barclays in 1996 for £1795.44 and PPI was added, I was self employed at the time. The next loan was with Barclays in 1997 for £7273.40 and used to pay the previous balance off.... PPI added....I was still self employed Then had an egg loan in 2000 for £5831 which was used to pay off the previous balance( PPI added). The next egg loan was in 2002 for £15241.66 which was used to pay off the previous balance( PPI added). PPI settlement
  17. Hi Bit of a long story I rented a room out and my husband also needed storage so he rented a 'cupboard' ( no electricty / power points or anything). I made the mistake of putting my name on both because I didnt realise the whole to do with rates. So i had my name on both for a couple months and the lovely council sent me a huge bill - I managed to speak to rates and the allowed me to fill in relief forms and send back by email. I was then told i had nil outstanding. fast forward to last week and the bailffs turned up on my door - apparently because id had the cupboar
  18. I have been told that I don’t need to pay business rates and I would like to find out whether it is in fact the case. I have a shop with empty living accommodation above. I have to pay 150% council tax for the domestic part as no-one lives in it along with standard business rates. The rateable value is approx. £3000. Someone else with a similar property he said that he had been advised that refunds don't apply to semi-commercial properties. Does anyone have any firm knowledge of this and can advise on what would be involved in obtaining any refund? I'd like to be armed with som
  19. Hi I'm having a complete melt down - can someone please point me in right direction for business rates question !
  20. Hello all, I have a secured loan with First Plus that I have already won PPI back from. My main complaint has always been the interest rate. The salesman specifically told us that the rate would be kept competitive, "otherwise you will move the loan elsewhere", when we could have moved to a fix of 4% or so the PPI penalty of £8000 and the rule of 70 interest penalty stopped it being practical. We won the PPI when I asked a lawyer to pursue this, who then held onto my paperwork. I put the complaint into the FSO last August after I had forced the lawyer to surrender the paperwork
  21. READ MORE HERE: https://www.gov.uk/government/news/2016-war-pensions-and-allowance-rates
  22. I have no idea where to put this post so please feel free to move admin if required Hello Caggers, i need your advice again, now this is potentially a little messy so i will try to keep it as simple as possible. Basically me and my family moved in to our new build social housing property (flat) 5 years ago, we would pay rent and service charges, initially everyone in the block (12 flats) thought that the water rates were included in the rent or services charges so we all signed up for the rest, gas, electric, telephone etc... and didnt worry about the water, fast forward 2 years fro
  23. Hi - am in more than a slight panic!! (I have posted this problem elsewhere then remembered how helpful this forum was in the past.) A week ago I received 5 years worth of Business Rates demands - 2002/3, 2003/4, 2004/5, 2005/6 & 2006/7. There was no letter just the outstanding amounts. I had had during that time, a running battle with the Council about these rates due to my feeling the amount was unfair due to part of the property being unused, I didn't pay the landlord rent for it and I didn't receive any income for it (it was also pretty der
  24. In 2012 I went to court to get an eviction stopped, which happily I did. My CMI is £348 p.m. and to make a good offer I said I could pay £500p.m., a round figure, which would clear arrears in about 8 or nine years. There are twenty or so years left on the term. The recent talk of interest rate rises has got me wondering though. When my mortgage company puts my payment up do I just add that difference to my monthly payment or do I pay the same and take longer to clear the arrears? I expect that the company would tell me to pay more but where do I stand le
  25. It appears to be well known that for councils in Australia, it is illegal to charge rates, yet they do it anyway & evict people & sell their property to pay for any unpaid rates. Our rates have risen in the last 20 years or so from $300,00 to $1,000,00. It is virtually impossible for us to become self-reliant whilst we still have to pay these rates. We are completely off grid, with no services being provided. We have not signed any contract with the council to provide any services. However, we certainly can not afford to fight this in court. Does anyone know of any legal means t
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