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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? 
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      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.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 12 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
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I am just about to enter my 9th month of BR.

I have a property with little or no equity.

I have Mortgage arrears of £ 15,000 at which i am paying off at £ 250 pcm as agreed with the Mortgage Co.

I am currently still working on the same Self Employed basis as when made i was made BR.

I have very little, or no disposable income to speak of.

I have had no contact with the Insolvency Service since my Income and Expenditure sheet was sent in months ago.


My question is,


Can anybody suggest what is likely to happen over the next few months. I am due automatic discharge on the 12 month date.

When am i likely to know if there is a way forward for me and my creditors, or do i simply say, enough is enough, and walk away now and be done with it.

I know about the beneficial interest bit.


Any feed back would be appreciated.


Thank You.

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Hi Dodgy Geezer,allways enjoy your posts on the last post etc.Didnt realise you were in this position,but i suppose many of us are or have been.I understand you are 9 months into bankruptcy,so your discharge will be coming shortly.Mortgage arrears of 15000 which you are paying 250 per month as agreed with your mortgage comp,quite a hefty sum,about 62.50 per week ,on top of your usual payment.Maybe incuring monthly arrears charges,i dont know the answer to that.You are self employed and have very little disposable income,sounds like you are struggling.Reading your questions it sounds like you may be considering different actions.Just in case anyone doesnt know about beneficial iinterest link here Bankruptcy - What will happen to my home in bankruptcy? After discharge your creditors in your bankruptcy that were mentioned in bankruptcy petition will hopefully mark satisfied on your credit report,and be done with once and for all. As your self employed status job is possibly struggling due to the reccesion and possibly leaves these large mortgage payments that maybe are hurting you,i dont know.Would it be possible to renegotiate the arrears payments, the best way i suppose would be the kind lender to roll them into the remaining term of the mortgage and relieve you of the pressure you are feeling at the moment.You talk about the walking away bit,which i did and others have done i am sure.It worked for me,but some cant i suppose accept this way.I know people,youngish up to late 50s who its affecting their health struggling on.And you know where its going to end for them.But we will be there when it happens to help them through.They have got to accept sooner or later for themselves their situation,and only then can they move on.When this happens and their house is repossessed the possible equity,maybe small will be eaten by fees and legal charges which will create a shortfall that they can http://www.insolvencyhelpline.co.uk/debt_factsheets/mortgage_shortfalls.php be chased for for 12 years ,link here-I understand you probably know about these but maybe someone reading your thread may find it usefull.Dodgy geezer i accepted when i realised my subprime mortgage wasnt going to be paid till i was 86,and the fixed rate was going to end,would nearly kill me to pay the increased payment,i was never going to own the house and moved on.I wish you well and hope others will advise you,as everyone has different opinions and mixed give all outcomes and solutions.I look forward to seeing your posts everywhere,and excuse me for droning on.Just showing my support in whatever you decide Tawnyowl.

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Thanx 4 your support.


My question was, what should i expect from the Insolvency Service over the next few months. I will have no problem paying the mortgage, and arrears, if the I/S are sensible with any IPA.

My concern is they will want X amount, over X years, and i cant afford it.

I would rather walk away now, than struggle for another 27 months, only for the I/S to sell the house anyway.

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Im sure someone whos had this kind of experiance will arrive soon.Good luck Tawnyowl.

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An Income Payments Arrangement is usually sorted out during or after your OR interview - 9 months ago I assume unless your circumstances have improved I doubt you will get one. You won't get one imposed after discharge.

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