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    • I was obviously clutching at straws on that one! I was putting the repeal together with the information below and considering that as I hadn't heard from the council for over 3 years that this might mean the charge / restriction was not now being pursued, particularly as the SAR disclosure did not show any entry for me from the Finance Dept. I fear I'm back to square one now.   After 1 April 2015 a Local Authority will only be able to recover unpaid care home fees by securing a judgment debt either in the County Court or the High Court (s69(1) of the Act).and The Act increases the time limit for the recovery of a debt comprising of unpaid care home fees from three years to six years from the date the sum becomes due      
    • Absolutely: The Homicide Act was repealed. So, after that they could no longer charge people for murder under the Homicide Act. (Not the greatest of examples, I accept, given murderers just get charged with murder being against the common law- but my point is:)   You can no longer be charged with Murder contrary to the homicide act. That doesn’t mean that those serving sentences for murder contrary to the Homicide Act, having been found guilty, had to be released the day the law was repealed.   Charges / restrictions couldn’t be placed under the repealed legislation (without e.g. a CCJ) once the Act was repealed. The repeal doesn’t mean existing charges / restrictions in force at the day of repeal have to be removed.
    • BazzaS Ah - now that complicates things - just when I thought I'd got my head round it!   I did think b] might be a source of worry for the purchaser. They have just instructed their solicitor yesterday but I haven't found one yet, preliminary enquiries didn't result in any clarity on the questions I posed. a] where do I find a CS who understands this and can share their knowledge with the buyer's CS?   I've no idea what the outstanding balance is as the council has not been in touch. I appealed many years ago and it wasn't resolved. I did do a SAR with the council and nothing came back from the Finance dept. so I was hoping my appeal had been accepted and the debt 'wiped' but they hadn't bothered to contact me. There were lots of changes up to the new Care Act 2014 which came into force on 01.04.15    Repeal: I was relying on the meaning below? Hence again I thought that's why the council hadn't pursued the debt and was just leaving the CO [or restriction] on the register to keep me on my toes!   If a government repeals a law, it causes that law no longer to have any legal force.   Thanks
    • The issue is 2-fold (both related to perceived risk, in a very risk-averse profession): a) will you find a conveyancer who will agree and follow that they needn't worry, and just notify once sold, and b) buyer's wil be put off if their conveyancer says "well, there is a risk".....   The combination of these may be that unless you get very lucky, you'll only get interest in a sale if an undertaking to settle the outstanding sum is made.   As for the repeal : I imaging that it will prevent new charges / restrictions from when it came into force, not revoke pre-existing ones.
    • I have held a Credit Card with Natwest for over 30 years and in the last 6 months or so, I have not used it.     The card is due to expire in a couple of months and I  have had a letter asking whether I still needed a Credit Card.  And that if I did not contact them within a month, they would close the account.  In order to keep the account, apparently I have to phone them to ask them to issue another card on the expiry of the current one .   I have always maintained a Credit Card, just in case of emergencies and if you hire a car for example, they often want details of a Credit Card.   Is this a new policy by Banks ?  First time Natwest have done this.   I have had zero balances near to card expiry dates before and they have not done this.   And this is a warning note to others, that you should never ignore letters from your Bank, thinking it is just advertising information on their services.  Otherwise you may find that the Credit Card  account you thought that you  had, has been cancelled.     
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Maggie_moo

Nat West Query

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My partner applied for a bank loan over 3 years ago and was turned down. When he asked why he was told he didn't have credit history (this was true as he hadn't had credit before) and also because he had a step account, which was certainly adequate at the time as we didn't require an overdraft. He was told if he opened an Advantage Gold account it would improve his chances and to obtain small amounts of credit, which he did. He then got a loan six months later after re-applying.

 

He has been paying fees for this account and we don't use the supposed benefits at all, so my question is, was it really necessary to open this account at all? We can't even switch back as we now have a large (well large for us :D) overdraft that we are constantly in. I know the fees are not a vast amount, but it does add up over the years!

 

Appreciate any replies :)

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My partner applied for a bank loan over 3 years ago and was turned down. When he asked why he was told he didn't have credit history (this was true as he hadn't had credit before) and also because he had a step account, which was certainly adequate at the time as we didn't require an overdraft. He was told if he opened an Advantage Gold account it would improve his chances and to obtain small amounts of credit, which he did. He then got a loan six months later after re-applying.

 

He has been paying fees for this account and we don't use the supposed benefits at all, so my question is, was it really necessary to open this account at all? Yes and No, personally it sounds like misselling to a point however he did benefit and does slightly from the reduced overdraft rate(it ain't that much)

We can't even switch back as we now have a large (well large for us :D) overdraft that we are constantly in.Current plus account is the downgrade so completely irrelevent if you have an overdraft.

I know the fees are not a vast amount, but it does add up over the years!

They're not claimable

Appreciate any replies :)

 

Hope the above helps. You can change back to a current plus account because that account allows an overdraft facility.

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Thank you, that's exactly what I needed to know. :)

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