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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
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Hope you can help,

I was served with a schedule of inhibition after l was given a time to pay order with RBS.

 

The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt)

 

We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house.

 

So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name?

 

In hope,

HH

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H welcome to CAG.

It would be best to check Experian or Equifax (use 30 day free trial) or Call Credits Noddle which is free but not always up to date.

 

 

The personal debt should not affect your husbands actual credit profile but the files may show an address link to you.


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It will show you at financially linked

 

Has the inhibition order now fulfilled and when?


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I have been told that if l didn't receive a Debt Advice and Information package then the inhibition is invalid. I have downloaded it from online and l swear l have never seen it, how can l prove this or is there no point in going down that route?

 

What do you mean fulfilled? Sorry for my ignorance! I have yet to pay it as l have not yet sold my house. I have also been told that when l pay back my debt, l have to apply for the inhibition to be lifted and pay interest and fees! My debt is approx. £15K. Does anyone know what my likely fees will amount to? God, it is so stressful.

 

Thanks for your help.

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When l was given my schedule of inhibition l wasn't actually at home and the officer put it through my door. This was in Oct 2010 in Scotland. CAB have told me that the inhibition is not valid if l didn't receive a Debt Advice and Information Pack, which l didn't.

 

How can l proof this?

 

Any help would be so grateful as l am about to put my home on the market and am so stressed about what is going to happen and the legal fees.:!:

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Can anyone please advice. In October 2010 (Scotland) l was given a schedule of inhibition, which was put through my door by an officer as l wasn't at home. There was no DAIP. I have never had one of these, CAB have told me that the inhibition is invalid if this is the case. How can l prove it to be so?

CAB have also told me that when l sell my home (which l am planning soon) and my debt is taken from me, they will also take interest and fees. my debt is approx. 15K. What might the fees add up to? Does it take long for the inhibition to be lifted and my property fee to sell?

 

God, it is so stressful, any help would be great.

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Hi helen_h,

 

I have merged your three threads on this subject, best sticking to one, please continue to post here regarding this issue.

 

Thanks,

 

Scott.


 
 

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