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    • Hi Stu  Thank you so much for coming back to me We've owned the property for nearly 17 years as a leaseholder and TP are the management company and the freeholders are Southern Land Securities.  We are in the process of selling our property and the first obstacle encountered was the Freeholder and TP couldn't provide proof of the loft conversion application that it was approved and said it was our responsibility to ensure this despite purchasing the property in situ, I then had to call the Local Authority to get all the relevant paper work to prove permission was sought and application approved. Which solved that matter.  2nd obstacle, the current plan does not demise the roof crawl spaces and the red lines do not go into eaves on the plan, they are saying from their standpoint the deed of variation is required, which they are charging nearly £8000.  We don't think its necessary but the buyer is requesting it, despite having the certificate for the loft conversation from Local Authority and Documents from Land Registry to say all is above board and no issues.  if we can't provide the Deed of Variation to include the eaves and crawl spaces as this is why its needed we can lose the sale because we can't afford the fee they have quoted which is astronomical  My thinking is we have been living in the property without any prior need for the Deed of Variation and using those spaces without any issue its part of the property. My question is, why are TP and Freeholder are saying it is required Hope am making sense, this is my first time going through this. I can upload all the documents requested on Monday.  How do you think  we should respond and do you think we should requested SAR  Also, Southern Land Security brought our property via an auction in 1996 and we moved in 2007 (some background) Thank you so much for your help and look forward to hearing back  YasminD   
    • Your/his assertion is about on a par with the 'cant prove it wasn't' assertions that the pyramids were built by Aliens (let alone Gu'ald) despite pictures/pictograms of labourers building them
    • Some credible support other than an opinion please @theedlrouge? Dalgliesh is unquestionably a UKIP fringe loon IMCCO   Lets see some quality studies and evidence on pubmed, nature or newscientist - NOT some loon opinion on the dorris and boris show mail   Covid origin: Why the Wuhan lab-leak theory is so disputed WWW.BBC.COM The claim Covid-19 leaked from a Chinese laboratory dates from early in the pandemic. Here's what we know.     Absolutely EVERYTHING I have seen (which is a lot) from credible sources, including some far more credible analyses on whether the virus was mutated in a lab, are quite clear on concluding Covid-19 was a natural mutation Claims of lab creation have ALL been fringe opinion pieces without support or credibility  
    • It will be interesting to see how many of his medical colleagues agree. It's also interesting how an oncologist like Prof Dalgleish is commenting on virology and epidemiology.
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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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Default Notice Issues Over Six Years Ago and Debts Still Outstanding

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Between 2005-2007 I had around 10 default notices issued for debts totaling £58,000.


I am still paying these off on independently negotiated payment plans with each lender and/or their chosen representative.


As I am keen to look at the possibilities of a mortgage in the next year or so

, it would be good to know what all this means to my credit rating.


Are default notices removed six years after issue even if the debt is outstanding?


Would a personal credit report clearly show any outstanding defaults or ‘black marks’ against my name

or would it simply give me a ‘credit score’ which frankly is of little practical use.

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All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.


I hope you've CCA'd everyone you are paying



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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