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Found 80 results

  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 MA who, after 12 months, appears to be extremely efficient etc. The problem we have is that the 'old' MA won't release our fund to the new MA. They promised on four occasions over a period of 5 months to hand over at the end of a month, and, to date, they have handed over approximately 30% of our funds. After 3 months, we employed a leasehold solicitor to chase the funds. We were informed that we had to know exactly how much they owed us, by virtue of audited accounts. As the MA would never issue bank statement, invoices or monthly financial updates, we cannot do this. So the legal advice was to go to court to obtain all the account documentation. This was set for a date 10 months after the contract was terminated. Two weeks before the hearing, and after yet another broken promise of transferring the funds, the MA wrote a 'without prejudice' letter saying they would hand all the funds and paperwork over but not until a week after the hearing, as it would take that long to produce the final accounts. Because of this, our solicitor advised us to adjourn the hearing as it would save the costs of going to Court. The RTM Company refused on the basis of all the previous broken promises. From that we had constant pressure from our solicitor, changing almost on a daily basis, to adjourn. These pressure varied right up to the fact that, in the solicitors opinion, the RTM Company would have to pay costs of both sides, amounting to a total of around £18,000 + VAT. There was also a request for £1,500 + VAT immediately for a barrister, suddenly required three days before the hearing. Never mentioned this before in the cost estimates. Our RTM Company was braver than I would have been - they believed that there was no way the judge would deem them unreasonable knowing all the broken promises they had received. So they still refused to adjourn the hearing. Then came a Tomlin Order, written by 'the other side', which offered all the paperwork we required, except Bank Statements and cheque books, if the hearing was adjourned. I understand from paperwork I have seen that the RTM Company still refused until a point where their own solicitor assured them that the accounts could be quantified without the Bank statements. so they agreed to accept the Tomlin Order and adjourn the hearing. Four days after the time limit set out in the Tomlin Order, some invoices and a ledger run off was received. There was also a copy of service charge accounts prepared by the company themselves, not by an accountant. on looking at these documents, half the invoices were missing and there was not information regarding income to the service charge account or the reserve funds. We are now up to date ..... Our solicitor is now telling us we need to go back to Court to ask the Court to order the MA to obey the Tomlin Order. The RTM has explained to the rest of us leaseholders that they are in dispute with the solicitor as they believe all this will do is allow the MA to break it again and again, and they would have to take it back to the Court time and time again. There seems to be no penalty on the MA for breaking what they believe was an official Court order. the solicitor ignores their request for an explanation, and continues to talk in language that doesn't mean anything (according to the RTM) The RTM is asking for support to change the solicitor at this stage. They want to take the MA to Court for theft as they say simply that it is our money and someone wont give it us back. They want to find a solicitor who would do this for us. A number of leaseholders (who as a reminder are retired) don't really understand what is happening and are extremely concerned and upset that for (now) 12 months we have not been able to correctly manage the block and it is beginning to look a mess, reducing the value of our flats. Can anyone please advise what they would do in our position?
  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 mortgage has been sold on to Kensington, to persue this again I rang Kensington but was told that they didnt do T.O.E's, I had a little rant and dug out the introduction pack id received from them. In the pack it states under terms and conditions that 'there are no changes to your mortgage conditions arising from the transfer' and they also included a Tariff of Fees on kensington headed paper which clearly state 'Change in Circumstances - Transfer of equity £100.00 charge' I put in writting my request for a T.O.E and sent it to kensington to get their official stance. A week later I received a letter acknowledging my complaint ???? they sent out a leaflet that outlined their Complaints procedure that clearly stated that they only accept complaints in writing ???? no complaint had been sent, only a request for the T.O.E I sent back a letter pointing out that I hadnt sent a letter of complaint only a request for the |T.O.E, I received a response 'that they can confirm that the option to remove a borrower from the mortgage account is not available'. Now the problem is that GE went through the Income and expenditure and sent me the forms for the transfer but yet kensington state there there is no option on the mortgage to transfer.. Despite them sending me the list of fees that include transfer and no changes to the origional contract with GE. I have SAR'd GE and have proof that they went through the I&E and sent me the forms and the terms and conditions of the mortgage are very vague and brief. can this be considered a breach of contract?? Also I state that it was 10 years since the sale of the mortgage but can the broker fees been reclaimed so far back that Compas finance broker recommended we take out this mortgage and not recommending a particular mortgage for your consideration (long shot I know regarding the limitation act) Hadituptohere
  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 transfer" document, which I have used a few times before and have the latest version also from the NLA. My problem is that all the T's are scattered across the globe, until after the tenancy starts - Europe, Asia, Uk and Canada. In my work capacity in the past (EU funded research projects) I have been involved with collating signatures to contracts by sending the whole contract and asking the co signatories to sign their own copy and return, on the EU advice that this was fine and we just collated the signature pages of each contract to make a master document. I can easily get three of the 6 T's in the UK to sign the same document, but is it OK to get the others in Europe Asia and Canada to print out and sign effectively a separate identical document and scan and email back to me as per the EU research projects example above? I could wait but I am a bit anxious about the tenancy starting without this being fixed. Also the T's, new, existing and old want to get it fixed too as finding someone later on (ie a month after clearing) is more difficult.
  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 transfer" document, which I have used a few times before and have the latest version also from the NLA. My problem is that all the T's are scattered across the globe, until after the tenancy starts - Europe, Asia, Uk and Canada. In my work capacity in the past (EU funded research projects) I have been involved with collating signatures to contracts by sending the whole contract and asking the co signatories to sign their own copy and return, on the EU advice that this was fine and we just collated the signature pages of each contract to make a master document. I can easily get three of the 6 T's in the UK to sign the same document, but is it OK to get the others in Europe Asia and Canada to print out and sign effectively a separate identical document and scan and email back to me as per the EU research projects example above? I could wait but I am a bit anxious about the tenancy starting without this being fixed. Also the T's, new, existing and old want to get it fixed too as finding someone later on (ie a month after clearing) is more difficult. please answer here: https://www.consumeractiongroup.co.uk/forum/showthread.php?489232-Multiple-signatures-on-tenancy-deed-of-transfer-can-they-be-on-different-documents-and-by-email
  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, we go into a new month which incurs me more line rental charges from Virgin as my phone service isn't disconnected until the number is transferred. I spend a further 95 mins on the phone with Vodafone and am assured that it's being done, I'm told that it's been sent direct to Openreach and they will do it within 72hrs. I am also told that they will be crediting my account with £30, but when I try to check... the online account I setup is mysterious non existent and I can't set it up again as it doesn't recognise my phone number or account number. They are told that the 72hrs ends at 5pm on Friday 6th and if the number is not transferred by then, my services will be terminated due to breach of contract (they failed to transfer the number which was part of my agreement to use their services) 72hrs pass and nothing, virgin claim they've never even received any request to transfer my number over and confirmed this again as of the 16th April. On the 7th April, I send an official complain both through Vodafones website, and via mail to their complaints dept. This complaint terminates my services with them for their failure to do something as simple as transfer my number. A process that has been simplified to make it so easy that a trained monkey could do it. So far they have completely ignored my complaints and have not terminated my service. I am now in limbo, I cannot switch to another provider because there is a temp number on my BT line that I have never used and have no intention of ever using... A new provider will try to transfer that number across instead of my virgin one. I am also still paying for a virgin line and number which I've had for many years and don't wish to lose, because it will cause so many problems. Because they had credited my account with £30 (allegedly, I've not seen proof of this) I cancelled my DD and had the previous one of £27.06 returned to me. Today I got a threatening email saying my 'April' bill is unpaid and I owe them £34 (which would be about right if there was a £30 credit as my normal bill would have been £37) So far they have ignored my complaint, failed to transfer my number and failed to terminate my service. They have been clearly informed of their breach of contract, and my service was terminated within the first 30 days (even if they claim 13th March as date service started, it's still less than 30 days). I am now being threatened with my service being restricted, and if it's not paid service disconnection and payment for the full term of the contract will be pursued. I think I need to escalate this to the regulator... But have no idea how to go about this. Switching is supposed to be easy, but this has been the worst mistake and has caused me so much hassle and stress.
  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 any Capital contribution order notification from Legal Aid Agency. Details: I did not go to the trial as I pleaded guilty. I have two jointly properties with my wife but not liquidity in my bank account as I paid the Court confiscation order in full leaving me with not cash at all. The two jointly properties were already declare during the means test. The two properties have outstanding mortgages. Currently I am jobless and receiving JSA. I live with my wife and two young children. The total equity is over threshold of £30k I am probably liable to pay something even if I strongly believe 50k is excessive and not yet supported by evidence. I would like to protect my wife and children first. Can I transfer my share of the two properties in my wife sole name or the name of a trustee, and form a Family Protection Trust or a property protection trust. If this is legally possible, how much could cost and which are the negative consequences to use a Trust, such as taxes or future costs? Thank You very much for your help:-D
  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. Now, please dont state the obvious, he already realises how stupid he's been transferring the funds before seeing the vehicle but the said vehicle was in London and he works long hours. going on past transactions, he's purchased vehicles like this previously with no bother, and all has been ok. On researching this topic I came across a similar fraud https://www.consumeractiongroup.co.uk/forum/showthread.php?469945-Defrauded-by-bank-transfer-by-a-Barclay-s-customer-should-I-sue&highlight=fraud+[problem] and can relate to some of the information contained there in. Action Fraud have been advised, reference etc provided. Auto Trader advised, and during the conversation have advised us that the 'Seller/[problem]mer' had multiple vehicles 'for sale' and they have taken all adverts down because of suspicious activity. Now, my thought is: Wouldn't it have been better if Auto Trader could 'tweak' their website to make it look like the adverts were still live to the [problem]mer but not actually available to customers to prevent anyone else being caught out? Whilst the police/fraud squad did there investigations and even visited said [problem]mer's home address (from the banks records) to retrieve as much money as possible? And even shut them down? We've spoken to DVLA to alert them that certain registration number is involved but they naturally will only liaise with the fraud team/police. We've spoken to Nat West and they won't divulge their policies and processes which they follow in these circumstances (even in a generalised scenario) but considering the vehicle was supposed to be in London the bank account is held in Leicester! Which is not a stone throw away from the link above thread. [problem]mers do not differentiate when it comes to obtaining funds by deception, a drone or a vehicle....... So, moving this a little futher down the line, assuming the police apprehend culptits and retrieve assets through crime. What happens to the cash recovered, property sold whether it be house, car, fancy watches etc? Can the victims not lay claim to a portion of the recovered assets, even pro rata amounts? Where does this money go to? I am in the process of drafting complaint letter up to the bank as like the cagger said above, banks are not protecting its customers sufficiently via bank transfers and just blaming the customer. The banks have a duty to apply due diligence when customers open new bank accounts and I dont think bank staff are trained sufficiently enough to spot fraudulent documents, they should have major training in spotting fraudulent documents and carry out further checks with relevant organisations before permitting funds to be released, and lets face it if you saw an account with transactions of transfer credits being received into an account of multiple thousands, several times a day, surely they can have flags on the software system to alert a fraud team? Would anyone like to suggest how I could draft a template letter to the bank to complain in this regard? Or your thoughts please?
  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 my Mortgage. How do I find out what this letter is about?? Does anyone know why I have got this letter. It is not asking anywhere to respond I am a bit confused if this is the starting of my Mortgage Company taking me to Court??? If so I just expect more documentation & details. Like amounts, dates etc.
  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 just had an out-of-office email reply. First things first - how is bank transfer fraud and different from credit card fraud? In both cases the money is paid willingly, yet you are covered when you are defrauded by credit card. The next thing is, how could Barclays have allowed this criminal to open and operate an account with them. If the details he gave me are as a result of identity theft, then the bank should know this. Anyone who opens a bank account has to supply personal details which the bank has to check vigorously to ensure they are legitimate. So as far as I'm concerned, Barclays hasn't done enough to ensure I was not a victim of fraud by one of their customers. So would it be feasible to sue Barclays to have my money repaid, based on these reasons?
  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 further checks or something, HSBC did boot me out last year without reason so i'm hoping that is not an issue. Does anyone know what might be going on or the process for this?. At what point is there a serious issue?. I do need the money fairly urgent so it is a pain. Should of just got him to draw £300 a day for a month.
  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 seek repossession but it didn't happen. I din't ever think why but am now wondering how legal the secured loan from BlackHorse was to be secured as 3rd rank! Any advice welcome. From picking up on an earlier thread. We had several TSB loans repeatedly consolidated and then we were coerced into turning them into a secured loan; a 3rd charge on our property. (We have a mortgage with separate drawdown facility.) The loan is heavily in arrears. Idem took over and I did not query the original agreement or their ability to do this or indeed any miss selling issues. How can I check the validity of this transfer or the original lending criteria as I no longer have the original agreement? With this loan being secured, I have always worked with collection activities but our means are very limited and we cannot get anywhere near the contractual payments. The pressure of having to review the agreement so frequently is hard as our income is mainly disability benefits and very poor, fluctuating self employed income. It would be a massive relief if I could find out how legitimate the lending was as we had no choice but to accept a secured loan as TSB, back then, were threatening further recovery action if we didn't. Today such bullying would not have happened and a repayment plan put in place. Hope someone can advise me. Thank you
  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 ramped up big time, I have a good work history with good companies and a degree and the minute my latest advisor saw it his eyes lit up and I have been pestered left right and centre. I was upped to two job clubs a week and also appointments/training sessions/interview techniques etc on one or more additional days a week and it was getting silly and made me ill so I had two weeks off with stress symptoms. I then had more blinking appointments and changes to my job clubs and was told a few weeks back at 1pm on a Monday that I was to stay after job club that day for extra sessions looking into agencies and applying for more jobs for 2 hours each day that week (mysteriously my letter had 'got lost in the post' telling me this), I kicked up a bit of a stink as I am a single parent and said I had to pick my son up from school at 3 so those times were unsuitable, so with a bit of looking at bus timetables he relented to sessions from 1-2.30 each afternoon that week which was still pushing it as am reliant on public transport which is never the best, I attended the first and then had enough, got upset (I am on antidepressants and suffering severe anxiety at the moment relating to a thyroid condition I have just been diagnosed with) and I decided to get another doctors note for 2 weeks. During this two weeks I had a letter from them saying I had to come in during that time and I politely told him NO, the day my sick period ended there arrived a letter saying I had to attend a review appointment in 2 days time and I just knew he was going to mess me about, sure enough on the Friday afternoon at the appt he says I need to up my attendance to daily sessions of 4 hours, which means dropping my son at school, a 45 min bus journey there, then getting back in just enough time to pick him up, I protested that I had a PC at home and why did I need to do all this on their premises and he said I might 'get distracted' at home (as opposed to their noisy office of course!!), that I had appts to arrange and so on which were being neglected due to them calling me in all the time willy nilly saying they are mandatory and have to attend, and he said as I was a jobseeker I should jobseek during those hours, I have no prob doing this, my JSA agreement says 5 jobs a week and they say 10 which I do easily and have never not done, he is also pressurising me to do full time work/get a better off calculation for FT work, which my JSA flexibilities say I don't have to pursue due to being a lone parent, there is no mention of any beneficial training, and any suggestions for that or clothing for interviews have been shot down in flames, its just flaming jobsearching in their offices every day, presumably so I can't attend any interviews without them knowing and that I get fed up with the arrangement. Its not as if I am not trying to get a job, I have had about 6 interviews in the last few months but none successful, am really fed up with the situation with the WP and its making me feel worse, we are reviewing the situation tomorrow after my session and I know he is prob going to suggest the same again next week when I have 2 inset days at my sons school, I really just resent the fact that they think they can pressure me like this and assume I have no plans for the week or anything else to do, and then get a nice big payment for MY efforts at the end of it all so want to know what my rights are, unfortunately at the beginning I signed all their docs as I was being too blinking nice!! PS. Sorry this is a bit of a rant having looked at it, but felt good to vent!!
  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 the moment he receives help towards their rent and council tax because of unemployment Now his wife has very suddenly Died (leaving no will)and it has always been her wish that her daughter would inherit the house,but there is nothing on paper, My BIL has said he has no problem signing over the house to his daughter, but will he be allowed to or will there be objections of Depravation as he recieved benefits. Any advice I can give him please
  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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