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    • i point you to two threads whereby you'll see an explanation by andy (post 22 here) https://www.consumeractiongroup.co.uk/topic/410486-lowell-interim-charging-order-from-credit-card-debt-2009/?tab=comments#comment-4912902   and   https://www.consumeractiongroup.co.uk/topic/406428-remortgage-issue/   if yours says:    written notice of the disposition was given to XX Council ( - disposition = sold vis: disposed of) ..... notice means letter telling them it's been sold -    doesn't say it must be paid or settled BEFORE disposition..   that's the way i read it.          
    • dx100uk   You are absolutely correct. That's exactly what the wording is! And if that's the case then - happy days for me! However, I thought that:   1. This wording meant the conveyancing solicitor had to tell the council that the house was about to be sold so they were aware!   But you are saying that the council only needs to be informed AFTER the house has been sold? Can I tell the council that? [I think I've seen something on the internet that says I can, rather than the CS] Or do I need the conveyancing solicitor to contact the council?   2. That this wording wasn't a restriction K [as I'd looked at Schedule 4 of the Standard Forms of Restriction] and tried to match my wording to those listed - and thought restriction K was the closest.     3. That this was a non-standard restriction [and that's what the Land Registry told me too and that the restriction was not a Restriction K!!! [see extract below]   Please remember that when applying for a restriction not in standard form:   it must always contain the words ‘is to be completed by  registration’ rather than ‘is to be registered’. This will serve to make the effect of the restriction clear. The term ‘registered’, where used in any of the standard form restrictions, means the completion of a registrable disposition by complying with the relevant registration requirements prescribed in Schedule 2 to the Land Registration Act 2002 (rule 91(3) of the Land Registration Rules 2003), but this statutory definition only applies to standard form restrictions. Please note that we will not accept restrictions not in standard form for registration that contain the words ‘is to be registered’   So I'm confused now. IF it is a restriction K - then the conveyancing solicitor doesn't have to do anything and I can let the council know.   It seems it is dependent on the wording 'completed by registration' and 'is to be registered'???   Below is copied from Martin's MSE.   This relies again on the 'is to be registered' whereas my wording is ' completed by registration' which you say is restriction K and LR says is not.   I need to go to sleep now!   Thanks dx.   Extract from MSE below.   If your property is jointly owned a creditor will not be able to obtain a CO against you, they can only get what is called a restriction. The laws on Restrictions are totally different to Orders, the most important being there is NO OBLIGATION for you to pay any of the proceeds of the sale to the creditor. However, during the whole court process you go through the reference from all parties (especially the creditor) will be to charging order and NOT to restriction. This is done in order to deceive you believing you are stuck with a CO. However, not all solicitors are aware of the law in this regard and it is important that you raise this point with them in the first instance before proceeding with them Quote: Restriction The restriction which can be entered on the register where a charging order is made against one of joint proprietors is in the following form :- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to [name of person with the benefit of the charging order] at [address for service], being the person with the benefit of /I]an interim[I/I]a final[I charging order on the beneficial interest of (name of judgment debtor) made by the (name of court) on (date) (Court reference.…).        
    • Hi Tony,   Please ensure YF does NOT acknowledge any debt  when confirming their new address.   They should simply state, " Please note my new address, as shown above."   Do not say anything about "a debt owed", or "the money you are chasing."   Do nothing that resets the SB Clock - ie acknowledging the debt and causing probs for the next 6 years. 
    • you ring you bank    
    • i suspect the charge on the Land registry site against the house reads:   2. (XX.XX.2007) RESTRICTION: No disposition of the registered estate is to be completed by registration without a certificate signed by the applicant or his conveyancer that written notice of the disposition was given to XX Council at P.O. Box XX, STREET, TOWN, POSTCODE, being the person with the benefit of a Charge under Section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   ..............   that is a restriction k and is useless to the council, as all 'legally' your have to do is inform them AFTER the house has been sold . then it's too late money has gone.   dx
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welshice

The Tech Guys

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Hey everyone,

Sorry if this is in the wrong category, it's regarding Tech guys, but I bought the laptop from a Currys store, I just thought the Tech Guys are emplyed by Pc World.

 

Basically, I sent off my laptop for repair on the 16th of August. The motherboard died on me. I asked for a loan laptop, and was told one would be sent out, which it wasn't. I recieved it back on the 27th of August, as soon as I started it up, it refused to start. Which was why I sent it off, it was in the exact condition as I left it with...Faulty.

 

I rang up the tech guys, explaining the problem, to which they said they'd pick it up in 5 days times. I stated that this was unacceptable, due to the fact I paid extra for the Premier club, which provides me with a next day delivery promise, and a loan laptop, and a replacement if the item wasn't fixed within 10 days.

 

At this point, I was quite aggrivated, as all of the points of my contract had been broken.

 

I rang up in a final attempt, and the tech guys said if I take it back to currys, then they will replace the product. I did as they asked, and currys basically said they didn't have the authority to do that. I explained the situation to them, and told them, that you really don't need a tech guy to diagnose it's not working, he tried switching it on, with the power pack, and without, and said the motherboard has gone.

 

The currys representative rang up the tech guys, and requested it to be written off. He basically argued the fact they broke their contract on the phone, The Tech Guys came to the agreement that they'd pick the item up on the 31st of August, so that it could be writted off on Wednesday, and I would be able to get a laptop on the Thursday.

 

None of this was done, and I have been told to wait to Monday.

 

I went into currys who told me to go to trading standards, and that they'd support me making a claim.

 

But, all I want is for that laptop to be written off. I need my own laptop for University, and I can't take any more notes for a Music Technology course on paper!

 

Any help would be appreciated, is there anyway I could get this written off quicker?

 

Thank You,

 

Jamie

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Hello,

 

Sorry to hear about the issues your having.

 

Just to clarify did you send it from the store or the home address? (With Premier club, you must state you want a loan laptop, and it MUST be getting collected and returned to your home address)

 

I know its under whatever happens premier club, but if there's no accidental damage to it and just a manufacturing fault, the store could of really sorted this out for, shame they haven't.

 

If you send me over your job number in a private message, i'll look into it and escalate it, if needs be.

 

Chris

Tech Guys

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Thanks for the reply!

 

Yeah, the Item was collected from my house and I did request a loan laptop. On the history sheet I was given It showed I requested one, and that one was despatched, however I didn't receive one, and my delivery papers confirm this.

 

I would gladly give you a reference number if I had one, but I haven't received one. I've now been told it'll be tuesday until I get Vouchers.

 

I feel like i'm getting a really bad service for something I pay 11.49 a month for!

 

Thanks for your help aswell!

 

Jamie

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Hello Again,

 

I spoke to The Tech Guys again earlier,

Now I've been told the day I will be able to get my vouchers is Wednesday.

 

It's getting pushed back all the time.

 

It was requested last Saturday, picked up on Tuesday and I was told I'd get vouchers on Thursday.

On Thursday I rang up and they said Friday, On Friday they said Monday, and now I've been told Wednesday.

 

It's kinda getting ridiculous now :/

 

Jamie

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Sounds like you've been having as much fun as i've had & got no where fast.....i've sent info to Watchdog regarding my problems which you might also want to do ;) & when i've managed to type it up i'll put it on here, as it's been a right farce/fiasco....not once has anyone said can i call you back once i've read thru notes as i used to have to do in an office job....best laff was when 2nd guy came to collect on 2nd day & i said desktop is supposed to be taken away if can't be fixed on the spot [he couldn't have done it as he was only collect n deliver guy ] he said ''we don't take furniture'' ....hope you get your prob resolved by the wednesday & that they don't change it to yet another day!!!

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