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  1. 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
  2. Hi, Sorry for the details but its been a long stressful journey that never seems to get better. We started the process of buying a new build property using the shared ownership scheme in early July. We used the builders recommended mortgage brokers and conveyancing firm. This is where the problems started. The mortgage broker messed up our income calculations and we ended up with a hard credit search from a lender that would not have lent to us. They then could only find 1 more lender who deals with shared ownership but needed 5% more deposit. We managed to
  3. Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account
  4. Hi. We and our neighbor have a shared roof, also the roof it’s at an angle, he’s at the highest point, we are lower. Last year we had a leak, we called a roofer to check and he wanted to check neighbors loft, he didn’t agree. We fixed everything on our side, now we have a leak again, our roofer said it’s defiantly them, but again, they don’t want to let anyone up there. What can we do? We contacted the council but both properties are freehold. Thank you
  5. Hello For 10 years I had a quarter share in a HA flat. I always paid my occupancy charge (rent on the three quarters owned by the HA) on time. When I moved in the HA actively had a list of people suited. I got the impression that several people looked at the flat and it was sold quickly however by the time I gave up the tenancy in December last year I was told (this is not in my terms and conditions) that I must sell my share on the open market. Hopefully the contract will be complete any day now but in addition to the mortgage on my house I was told I must continue to
  6. hi..need some advice please..my wife has her own business as a trade embalmer..this job entails travelling between funeral directors to embalm the deceased..my wife has a part time embalmer who works 3 hours a day for her in the afternoon..this part time employee also works part time for another trade embalmer and works from 9.00am to 1.00pm...they share this employee because neither employer can offer her full time employment..they have a verbal agreement that this part time employee covers for each embalmer for holidays and sick cover.....last week my wifes father was taken into hospital ver
  7. Need info on regarding a PCN on shared use taxi rank. On TSM chapter 5 7.43, it states that LA will need special authorisation from Dft on use of diagram 650.1 (no stopping except taxis). But the new TSGRD 2016 which came on force since april this year, there's a para stating: Confused with the wording but is it to say that LA will not need authorisation from Dft? Thinking of contesting the PCN as it's a non-prescribed sign (650.1) but noticed the new changes. Caught out in Aldershot station road. Pay parking until 7PM and taxi rank from 8PM . Original TSM chapter 5 wor
  8. I am 68 yrs old and my daughter ( 32yrs) came to live with me after being away for 4 years working abroad. I used to get a one bedroom HB in a 3 bedroom house where I lived alone. After the return of my daughter, the council decided that we get shared accommodation each (£82 X 2/ w), which is less than the one bedroom allowance I used to get when I was living alone (app. £175./w). Th reason was that the new tenancy agreement has both our names on it. Is this a good reason? Do I stand a chance to contest this, although now the new rent has risen with the arrival of my daughter? I am on pen
  9. My soon to be ex wife has given my business partner copies of my personal bank statements. Background: there were a couple of financial errors within our company accounts which were my fault and have since been resolved between myself and my business partner. Issue: when the issue arose, my business partner went to see my estranged wife, whom he knew had access to our old joint account, which by agreement I was using as my own personal account for the time being. When he asked her for the information, she printed off all statements and gave them to my business partner. Baring in
  10. Hi, Some advice please. I live in a small cul de sac where we each have 2 parking spaces and also two visitors spaces which are jointly owned by all of us. One of the visitors spaces is at the far end next to a neighbours garden and the neighbours there have always used it as their own private space. They are aware it is a visitors space (because they have told me they are aware) and the deeds state this. No one has ever complained as we like them and didn't want to cause any problems. Also, most of the residents are tenants so unaware of the fact
  11. Hi all, Can someone please help. Around a month ago I completed a purchase for a £195,000 shared ownership property for which I purcahse 40% shares in at £78,000. Over a month after completing I have recieved an email from my solictiors claiming that HM Revnue and Customs have notified them that "Stamp Duty of £222 falls due on the rent aspect of the new lease. Unfortunately this was not taken into account on your completion statement and is therefore due and owing to them." A few queries on this. Do I have to pay stamp duty being that my share falls below the threshold? Is st
  12. In the early months of 2010, Golden Eye (International) Ltd, a company connected with the Ben Dover porn brand, decided to chance their hand at obtaining settlements from alleged file-sharers in the UK. Although they successfully obtained the identities of alleged file-sharers through the court using the Tilly Bailey & Irvine (TBI) law firm, things quickly went wrong for GoldenEye. TBI pulled out due to bad publicity and the company was eventually fined late 2011 by the Solicitors Regulatory Authority for their mishandling of the cases. In September 2011, Golden Eye were
  13. Hello I might share a water supply pipe that enters my house, with a neighbour. I live in Wales. I say might as there is no branch pipe to their house in my cellar, so the branch off would have to be under my dining room. their house unlike most in the street, has no external stopvalve in the pavement, and there is no water supply pipe in their cellar [ a tenant of the house and i investigated] my deeds do not show that we have a shared water supply pipe. i have asked the landlord and the water company to determine if they have their own supply pipe, and if they do not to make arr
  14. Hi Everyone, Does anyone have any experience/advice regarding SAMS? My late father took one of these out in 1998 for the amount £16,875. I am in the process of selling the house to fund a care home for my mother and have contacted Barclay's to find out the settlement figure on this and am shocked to discover that this repayment is going to be between £90,000 - £110, 000! (am awaiting final figure) What I would like to know is if anyone knows of any cases where these have been challenged and won, as I am getting nowhere with my inquiries and really don't know what to do about
  15. Hi little advice needed as slightly complicated matter and having difficulty seeking advice as no one seems to know what I'm talking about (eg CAB and Shelter) I have a 50% shared property mortgage and housing association leasehold. I have received an eviction notice due to rent arrears. There a suspended possession order in place that included both the mortgage and rent aspects. Due to large legal fees on both accounts I was in discussions with the housing association and they have now obtained an eviction warrant for 9th July. I have already made an appointment to file the N2
  16. My partner is going to move into my rented room with me which is in a shared flat. I am paying £370 for the room currently and our contract is up for renewal at the end of the month. The landlord is happy with her moving into my room but is going to charge £170 (half my rent value). This means we are now paying ~£540 for the room which is £140 more than my housemate pays for a room twice as large as mine. The landlords justification is that this is an industry standard (i.e. to charge half rent to the second person) is this the case? Apparently its to cover additional wear and tear. It se
  17. My OH purchased a 40% share in a flat in 2008 the flat was valued at 175k. Soon after due to the crash of the Icelandic banks the company he worked for made his position redundant. The company lost money. He was out of work for around 4 months. It was a struggle to keep up with the mortgage payments and the rent (60%) rent (40%mortgage). My partner was self employed. A one bed flat was costing us £1800 a month inc rent/bills and mortgage. . He had remortgaged 3 times by now and my other half has been in and out off work ever since. We just kept on playing catch
  18. Hi folks, hopefully someone can help. Bought and moved into a house a couple of months ago, it is an end terrace house. The front door of the house is on the side and opens into a shared driveway. The legal set up of this driveway is I believe like this: I own a 1/3 share of and have right of way across it both on foot and by car to access a gate to my private driveway at the back left of this shared driveway, and then to the road. The other 1/3 of the shared driveway is owned by the landlord of a block of around 10 flats accessed via a pedestrian gate towards t
  19. Apologies if this is in the wrong section as i couldn't find one more suitable. If this is the case could you please point me in the right direction. Ive been recently talking to a friend who has a shared ownership flat wherby they pay mortgage and rent. We discussed a number of repairs that she had paid out for herself which i thought maybe the landlord (radian housing) could possibly have been responsible for and had maybe misinformed her. If this is the relevant forum section then id like to ask for advice and or experience on the matter from those more in the know. Many than
  20. I have recently given the keys back to the bank for my house as I couldn't pay the mortgage and the house hadn't sold after being on the market for a while. The house was a 50/50 shared ownership with a housing association. The house was valued at 90k prior to the v.repossession. I only owed 17k on the mortgage so if it had sold it would have given me 28k (50%) after paying the bank. The house is now being marketed for sale for 70k. if it sells for 70k,will I get half of the remaining cash or will the housing association be eligible for half of the the original valuation of the hous
  21. Hi, ive been looking through a lot of info but its just confusing me to be honest can someone give me a dummies guide to these schemes! lol say for instance there is a three bed property the price range is 80'000 and you need a minimum of 45% share in it so from that information how do you go about it. My general figuring is, you get a deposit of the 45%? then you pay the monthly rent? in relation this also, whats the deal with the credit score process. Surely not everyone on these schemes are required to have a perfect credit score? but at least not in the red?
  22. Hi, I have what seems a complicated situation to me at least and would value some advice please. I am currently receiving contribution based ESA support.I split from my partner and am currently living in rented accommodation. I am receiving housing benefit and council tax benefit as my partner is currently in the process of buying me out of our joint property. I have been told that my local council regard this as disregarded capital as I intend using this money to buy a property. I am having trouble finding somewhere as the amount is right at the bottom of the market and not many p
  23. Hope this is the correct section. This is a little bit complicated so i'll try and explain it all. Two years ago I decided to go back to college and then university so moved back in with my father. I was living in a shared ownership (25%) flat and had it up for sale and permission to rent it out until it sold. However my mother was being kicked out of her rented house for not paying so I let her move into my flat so she wasn't on the street. 2 years later and she still refuses to pay any rent or go to the council for rent money and i've come to the end of my financial tether. I've b
  24. i live in a mobile static home on my own there are 3 of them and the landlord has just given me a gas bill for 500 for a quarter which i think is discraceful he has split the bill in 3 the other 2 homes have 2 people in each but he says i have to pay the same as them i have my gas on for 6 hours a day i only have 3 small radiators and my hot water is on gas i do think this bill is very high how do i go about disputing it.
  25. I've moved into a student property while I'm at university and live in a shared flat. The house is a 3 floor house with each floor having flats. In my flat our landlord advertised the tenancy with Sky TV & tv licence included in the rent. Last month all of us noticed tv licence letters coming through the post. As it was easter we ignored it. I opened one today as it was just address to the occupier and it says they're sending their 'manchester' enforcement team for a visit due to non response. As a student what can I do? I'm the only one in the house who
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