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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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Pregnancy & Racial discrimination - what should I ask for?

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Ok, thanks for the advice.


I understand what you're saying but...


After nearly 18 months of having little work to do, I wouldn't say I've lost the moral high ground, especially after the way I've been discriminated against.


I feel that in many ways I'm sharpening my technical skills and I'm learning, which is the best part.


But perhaps I should do online training instead?

Edited by GenvievePipi

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Brief update:


Submitted a new ET1 for Victimisation last month.


Going to tribunal next week for a review hearing.


Applied for a new job at a better company that pays £10K more and I got it :-)


Went to hand in my notice but before I could hand my boss the resignation letter, he told me that my post was being made redundant. I'm the only person in the redundancy pool. He insists my redundancy has NOTHING to do with past grievances. Yeah.... right...


My solicitor advised me to quit and claim constructive dismissal. I'm not sure I want to go down that road. I think I just want to get a payout and leave.


Any opinons?

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I think you have answered your own questions other than to say that the solicitor is only after a `piece of the action`.


Good luck

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If your solicitor is on "no win no fee" he has a conflict of interest - he will get paid if you win tribunal proceedings but not if you get a redundancy payment!


You will need to go on the www.direct.gov.uk website and calculate how much you would get for redundancy. Compare that with how much you would get for unfair dismissal. You can make a rough calculation by totting up the statutory award for unfair dismissal calculated according to a formula, notice pay, loss of wages (e.g. if you need to wait 2 weeks after your notice period to start your new work you will get an extra 2 weeks payment) and a few hundred for discrimination. But you need to remember to subtract your solicitor's fees.


If you just want to take a pay-out then I suspect it might be better to sit this one out and see what is being offered for redundancy. Guaranteed pay-out without the stress and delay of ET proceedings.




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I suppose you have told your new emplkoyer of your intention to go on maternity leave next year? I know you dont have to but it would be courteous

If I have been of any help, please click on my star and let me know, thank you.

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If your solicitor is on "no win no fee" he has a conflict of interest - he will get paid if you win tribunal proceedings but not if you get a redundancy payment!.


My solicitor is not working on a contingency basis. She is working on a flat fee and will not get a percentage of a payout (should I get one)



My employer has given me the following choices: Redundancy, Voluntary Redundancy, be hired by another department.

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I suppose you have told your new emplkoyer of your intention to go on maternity leave next year? I know you dont have to but it would be courteous


I have sadly miscarried again.

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Thats very sad to hear, all the stress cant have helped, but good luck with the new job

If I have been of any help, please click on my star and let me know, thank you.

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A settlement has been agreed in principle. Going to the tribunal this morning. Hopefully the details will be ironed before we face the judge.


Strangely enough, my employers solicitors were never told that I am in the midst undergoing the redundancy process. My solicitor had to inform them and they were as equally shocked. Settlement talks began very shortly after that.


That can't be typical, can it?

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Hmmm, I thought I posted a reply on here. I guess I didn't hit 'post'


Anyhow, here's how it went down. I had a review hearing on last week. I had asked for a review hearing, because in October I had withdrawn my initial discrimination claim (due to stress). My employers made an application to dismiss under rule 25(4). My solicitor contested the 25(4), but the judge had made the ruling to dismiss before my solicitor's argument was put in front of her. In addition I submitted a second ET case, this time for victimisation. As I was put on redundancy notice, (and was the only one in the redundancy pool) my solicitor and I were poised to submit an unfair dismissal claim.


My solicitor asked my employer's solicitor about the details of the voluntary redundancy. Employer's solicitor had no clue what my solicitor was on about. HR never bothered to ask / consult their solicitor about making me redundant. My solicitor told my employer's solicitor the details of my pending redundancy. My solicitor stated that I am willing to walk away and sign a compromise agreement for £XX,XXX


The next day the employer's solicitor came back and said that my employer could only offer 63% of £XX,XXX. My solicitor indicated that is was a "pretty good" settlement and that we could probably push for a little more, but not much. I said that I would agree to 63% of £XX,XXX NET -- and if that there was any tax liability that they would have to pony up more to get me to exactly 63% of £XX,XXX. So the NET amount was agreed in principle by my employer's solicitor BUT..... My employer wasn't responsible for the payout, their insurance company is paying out. So suddenly my solicitor and my employer's solicitor were suddenly both on the same side negotiating with the tight-wad insurance company.


What a con this is? No wonder companies never learn and keep discriminating, they are not paying out themselves. Their insurance companies are doing all the paying out!


So the morning of the review hearing we heard back from the insurance company who approved the 63% of £XX,XXX, NET. My solicitor lives outside of London so since the Compromise Agreement was already agreed she didn't come down for the review hearing. The CA was emailed to my solicitor. She reviewd it over and told me over the phone that I was OK to sign it.


I arrived at the tribunal. The respondent had brought their solicitor and posh barrister as well as 6 bundles?!?! Bundles for a review hearing? I never heard of that. I initially panicked, thinking what if this goes t*ts up and I end up in court without a solicitor having to defend my case? To my relief It all went smoothly. Whilst my solicitor was on the mobile with me I signed the CA in the presence of the barrister and solicitor. My solicitor emailed over the her certificate and then everything was finalised.


I still had to go in front of the judge to tell him verbally that I was withdrawing the review of my first case and the entirety of my second case. The judge said that he would have ruled to put aside my dismissal in my first case, but since a CA had been reached there were a few points of law that needed to be tidied up. (After he said tat I had wondered for a millisecond if I had settled too soon) The judge was very, very nice and very accommodating. He seemed almost giddy that we reached a CA. As we left the court room he stated that he was pleased to have another hour back in his day!


Over the course of her many phone calls to my employer's solicitor, my solicitor became very friendly with the employment's solicitor. My employer's solicitor let slip that my employer's legal bill was in excess of £60,000. Crikey! I wonder how much it would have been had we'd gone to tribunal?!? I'm guessing that similar to my settlement, the legal fees, too, will be paid by the insurance company. I really, really hope their premiums go up next year!


Although there were doubts about my solicitor, in the end, she closed the deal and that's the most important part for me. I paid a flat rate of £1,500 in legal fees. There is no percentage of fees that I have to pay out so I get to keep every penny of my settlement. Not bad for a £1,500 investment. And to boot my solicitor gets an additional £450 from my employer for the CA.


I'm glad it's over and I'm happy I got my life back.


I guess if there are life lesons to be learned, here's what I took from this experience:

  1. People are fundamentally flawed and so is HR and some HR practices.
  2. Document EVERYTHING regarding your case.
  3. Do not withdraw your case for any reason. I did it for stress, but it was ultimately MORE stressful withdrawing and having to deal with the 25(4) rule.
  4. Once you initiate an ET claim, start looking for another job. Don't wait until the last minute.
  5. It helps to talk to people going through the process as well. I have 2 girlfriends who are also knee deep in their ET cases
  6. Have the facts to back up your case.
  7. Be selfish. At a certain point, you have to concede defeat in that you probably won't ever change a discriminatory department, boss or practice - but you can get compensation for the horrible experience you went through
  8. Have faith that things will go right.


Kindness, dignity at work and respect cost nothing. It astounds me that employers would pay tens of thousands fighting you in court, rather than changing their attitude at work.


I'd like to thank everyone here on this forum for their kindness and support. I hope I never HAVE TO post here again.


Over + Out.



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Well done and I completely agree about changed attitudes would reduce costs to companies!!

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Very well done!! Enjoy every penny!!!

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