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  1. I'm not sure if I am in the right area, but hope someone can re-assure us we are doing the right thing. I am a leaseholder in a block of retirement apartments. Two years ago, with 100% agreement of all leaseholders in the block (70) some residents acquired RTM and after lots of visits to other blocks, and doing all the checks they could, the RTM company employed a new MA. After 12 months they decided that these new MA's were actually worse than the original ones, so they terminated the agreement after 12 months by highlighting breaches, using a solicitor. They then employed another
  2. I have a 10 year old mortgage that was sold by Compas Finance Broker (which I paid extortionate fees added to the mortgage) that was with GE money and has now been sold to Kensington. I went through a divorce just over 5 years ago and the mortgage was in joint names, in March last year I rang GE and asked for a transfer of equity as I now have my fiance living with me and things move on, during the phone call I went through the income and expenditure and GE cleared me for the T.O.E and sent out the forms. Due to delay of completing the forms due to family health problems the mortgag
  3. Hi all just need some clarification as I have read so many different stories. Will people in the long term esa support group transfer over to universal credit it or be left alone? Regards to all
  4. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  5. I am a landlord, I did think this might go into the lettings forum, however I think it could be a general legal issue relating to contracts. We have a joint and several tenancy agreement for tenancy due to start next month, students. (Downloaded from National Landlords Association so hopefully current. Note my LL NLA membership has lapsed but they do keep giving me free access to the document library as an ex member) One tenant wants to exit the agreement and has been very helpful in finding a replacement T. The other T's are happy with the new T so wish to employ a "deed of transfe
  6. Hi, has anyone had problems with transferring money from HSBC online banking? I tried to transfer money to my daughter on Sunday for her wedding dress, it supposedly went through ok but she hasn't received it yet. I spoke to HSBC who said they had "technical issues" and that she would receive it latest COB yesterday but she didn't receive it! Has anyone else had this problem? Thanks!
  7. On the 1st March I gave notice to my old broadband provider (Virgin) and signed up with Vodafone. The agreement for this service included the transfer of my phone number from Virgin to them. My service allegedly went active on the 13th march, but my broadband wasn't working until the 21st March. Whilst on the phone to them (my old cable line with virgin) I asked when the number would be transferred across, and was told it hadn't even been requested. I was rather ****ed off by this, but they assured me it was being done there and then. about 10 days later and still nothing,
  8. Hi, this is my first post and I apologise if by mistake I did not pick the correct section. I received a call from Rossendales few days ago asking me to pay £50k Capital contribution order for my defence expenses after my conviction in 2016. I had already paid 5k as income contribution order before the conviction. I told them that I prefer to receive any communication by letter as I like to keep evidence. I did not confirm anything on the phone and I told them that I would have made my enquires to the Legal Aid Agency via a Subject Access Request. So far I have not received
  9. I have long thought this is one of the biggest scans in the credit card/banking world. My questions is: Where is my money, that has left my bank account instantly, hiding, before appearing 3/4/5 days later on my credit card statement? Is it sitting in the credit card company's bank account, accruing interest whilst I am also accruing interest on the card in the time it takes for the payment to appear. I consider this to be up there with unfair charges and PPI.
  10. Firstly, if my post is in the wrong thread plese feel free to move appropriately and advise. Now, I know that this is likely to touch a nerve with a few caggers but I'm like a dog with a bone so please bare with me. My Nephew (for the purpose of this thread we'll call him John) was researching various traders for a vehicle and having previously been wary of [problem]mers, had successfully turned down previous vehicles because of suspicious activity on said websites. However, unfortunately, he has fell fowl to a vehicle [problem] on Auto Trader (online) to the tune of £7000. N
  11. HI Ive got a letter saying notice of transfer of proceedings on the top left. It states Claimant - HOIST PORTFOLIO HOLDING 2 LTD defendant ME. Then all it says is To all parties This claim has been transferred to the the county court of St.Helens for enforcement. That is it no forms attached, there is no Amount Outstanding on the letter, nothing. I have checked my Credit File today and there are 2 listings on my Financial History. 1 CCJ from Barclays showing as SATISFIED and the other Account is still awaiting to be taken to Court for defaulting on m
  12. 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?
  13. Hi My son has had a letter of Transfer of proceedings on a CCJ to our local court from Northampton. This has been paid monthly since 2010 by Direct Debit to Brian Carter. The letter does not mention him but Frederickson International Ltd as the 1st claimant, this was for a debt on an Egg card. I realise he needs to get in touch with the court but is it permissible to cancel the Direct Debit that is going out to Carter on the first of each month? The letter was dated 30th August 2016 and a payment was already paid on the 1st September. Thank you in advance.
  14. I was taken by a confidence trickster on Gumtree last week to the tune of £730. they got me to transfer the money to a Barclays account and used a passport and Barclay's account statement to establish that he was bonafide. A few days after the money was transferred, I got an email from Gumtree to say that this person was a fraudster. I contacted Action Fraud (which only seems to be a way for the police to do absolutely nothing about fraud), my own bank, Santander (who told me as I had willingly paid the money, I couldn't claim from them) and Barclays, from whom I have ju
  15. Sorry of this is not the right place. My dad sent a large amount to me this morning via faster transfer. Was sent from his HSBC advance to my Co-op account. We set up the details the other day and sent £50 to test it was right and the payment this morning was via the automated phone system using the details which were already set up so they are 100% correct. Its 9 hours since and no sign of anything my end, he is not home and comes from the 3 day transfer age so doesn't seem concerned but I am pretty worried as I know its almost instant now. This must surely of been flagged up for furthe
  16. I recently transferred from DLA to PIP. On my award letter it stated that any carer's allowance in payment wouldn't be affected by the change. However, as you can guess there is a glitch in the DWP system which meant that son's carer's allowance was stopped without warning. Easy enough to resolve with a phone call, but for anyone transferring it's as well to be aware that there could be a problem. In son's case as this happened over Xmas it was actually 3 weeks before he realised and in the meantime had incurred £54 in bank charges which DWP have agreed to refund.
  17. Hi, I am currently on JSA in the process of looking for somewhere new to live (end of tenancy) and was wondering if I moved to a town near by if I would have to do a live transfer to a closer Jobcentre? I've used the closer job centre before and being honest I prefer the advisor I have now. Also I am currently doing voluntary work in this town and will be continuing so it would actually be easier to come to the one i'm at now?
  18. Hello, can anyone guide me through the steps I would need to take in order to transfer ownership of property worth 100k to a family member whereby no money changes hands please? Is it simple to do without the need for Lawyers etc ? I have looked on the Land Registry website but there are lots of forms to download on there and I'm unsure of exactly which ones I would need. Are there other forms on top of Land Registry forms to fill in? Many Thanks
  19. Hi, My secured loan from Black Horse is now with Idem Securities. They are being very fair with their acceptance of our situation but insist on regular reviews. It was a secured loan. They are 3rd charge. I am wondering what legal rights they have 'inherited' IF ANY? However, when we tried many years ago to take out a secured loan they wouldn't touch us as the mortgage we have has a draw down facility on it. Also every now and again we get a month or two arrears on mortgage. The secured loan people never chased us. I was expecting them to try and see
  20. I wanted to know what the new rules are with regards to withdrawing consent for the WP to share your info/contact people on your behalf/claim their fat payment for my hard work when I get a job .. as I am sure I read it had changed since last year, also coincidentally each time I attend a review meeting I get loads of spammy job/credit emails in the weeks after which seems a little timely!! Am getting increasingly fed up with the WP provider, by and large I have had a year of having to attend weekly job clubs with slow computers and the like but since I hit the year mark it seems to have
  21. Hopefully an O2 rep will see this and advise. My Father in Law has lost his mobile phone which had about £60 of credit on it. He went into the local O2 shop but as he is 80 years old the school leaving age assistant refused to help as FiL can't remember some of the security answers. There must be another way. H
  22. My brother sold a car part for £460. The part is a piggy back ECU which is quite rare. He told me that the buyer wanted to pay with a bank transfer to save on him getting fee's etc. My brother said the payment came through instantly and is coming up with something like "3rd party transfer" which we've not seen before. I told him I would check to see if this is safe, or if there is some sort of [problem] that involves doing direct transfers? The buyer is within the UK. Thanks!
  23. Some advise please if possible for my Brother in Law. My BIL and his wife about 20 years ago jointly took out a mortgage to buy a house,then about 15 years ago they split up but did not divorce, and she stayed in the house with the children(1 boy and 1 girl)and continued to pay the mortgage herself, eventually the son moved out and the girl stayed and helped pay towards the cost of the house(she now has her own familly and they all live there) My BIL is still on the mortgage papers but has not paid towards it since leaving, he now has a partner and have lived together for many years, at
  24. My son in law works for a company that cares for 2 young adults who both need ventilation care. On Saturday his client died this has led to him now being without a job. He has been told that they are not sure of what options he has. It could be redundancy so would get paid or a transfer of job but they have no other clients in this area so he would have to move. Or they say he may get neither. Does anyone have any advice they can offer?
  25. Hi all, Hoping someone can answer this for me as I can't seem to find an answer on google, or here. Recently got a credit card who have written to me with a "money transfer" offer. In other words I can transfer money to my bank account to pay off my overdraft. It's 0% for a few months and I am confident of paying it off within the interest free period. My question is will the credit card company report this as a cash advance to the credit agencies as it's going to a bank account? Best wishes, DCATarget
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