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    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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EOS-5D

Unsecured debts and home ownership

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Hi Guys,

 

As some of you may know, Ive got some credit card debt and ive had to give up work to look after my sick daughter.

 

Im now on benefits and cant afford the minimum payments on the cards and my priorority will be paying my mortgage.

 

My question is, if the credit card companies wont accept a token monthly payment (including freezing the interest and charges) or as i may be able to borrow a small bit from a relative, accept say 33% as full and final settlement of the accounts, Can they take a charge over my property or worse, can they make me sell it to get their money back?

 

If they can, what is the likely hood of them doing so?

 

Many Thanks in advance gang


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Any comments please :|


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Hi Guys,

 

As some of you may know, Ive got some credit card debt and ive had to give up work to look after my sick daughter.

 

Im now on benefits and cant afford the minimum payments on the cards and my priorority will be paying my mortgage.

 

My question is, if the credit card companies wont accept a token monthly payment (including freezing the interest and charges) or as i may be able to borrow a small bit from a relative, accept say 33% as full and final settlement of the accounts, Can they take a charge over my property or worse, can they make me sell it to get their money back? they can try but you would defend of course and you have a sick child so I cant see a judge allowing it.

 

If they can, what is the likely hood of them doing so?

 

Many Thanks in advance gang

 

have you contested these credit card debts yet?


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Put your self in a position of strength by finding out whether they have a valid agreement in place because if they don't then a F&F at 33% could be quite attractive to them...

 

To get a charging order they need a CCJ so this would be a long process think about your strategy rather then a quick fix.


Live Life-Debt Free

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Hello EOS-5D!

 

Agree with the above.

 

What you must do now is get organised, and plan this like a Military Campaign.

 

Invest in A4 Lever Arch Folders and anything else that will help you to keep things nice and tidy and well organised.

 

Use your Computer to stay on top of things.

 

File everything as it comes in, and keep a track of it on your PC.

 

Keep all envelopes for any letters they send you, get into that habit now, because an envelope may one day help to prove Date of Service on something important.

 

Line up your non-essential Debts, and investigate each and every one in detail. You may be surprised at what you owe, and where that Debt actually came from. Many think it was their spending, then find the actual Debt left now is mostly made up of Charges and Interest.

 

Send every one of them a CCA Request, then a SAR too.

 

Read the relevant sections on CAG that relate to each, and you will soon get a feel for how each operates, and which DCAs they will use.

 

The next bit after this is down to you, and it's just a case of spade work on CAG reading Threads to get a handle on things. It is not all plain sailing, and it can be hard work, but the truth is out there, as they say.

 

Best of luck.

 

Cheers,

BRW

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