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    • Hi, yes that is what has happened. The technician originally said that the tyres were for BMW, it came to light in the PayPal disputes I’ve had with them that it’s not only for BMW but certainly not for my car. It seems like everyone I speak to has a different sort of opinion on what the tyres are for. We looked for a branded tyre within a good price range and chose that tyre assuming any tyre on the list would have fit our car.. I shall do that yes I would like the call recording as I am actually quite upset how the lady spoke to us about it when we contacted customer services anyway. Thanks for helping. 
    • By the way, please will you send a subject access request to Halfords and make sure you asked them for call recordings as well as any of the details that you input in respect to your tyre order and any other personal data which they hold on you in any form. Get this letter off to them by email tomorrow and confirm in writing.   I suggest that you send the letter for the attention of Andrea Botha | Executive Contact Manager who will be aware of this situation.   https://uk.linkedin.com/in/andrea-botha-96b565143   I've written to her again and suggested that maybe she doublecheck the situation because of my understanding what you say is correct, then I think that she must badly have misunderstood the circumstances of this. Once again, I understand that you input the details of a Kia and Halfords recommended tyres fit for a BMW. They only informed you of this error after the tyre fitting had been booked. Your initial contact with Halfords after this resulted in a promise to reimburse you and it was only a subsequent contact with another customer services person that they renege on the promise. Is that correct?
    • We ended up with years of Thatcherism last time Labour went off the rails Loony Left - and Foot was nowhere near as loony as Corbyn lunacy   Thanks God the Libdems are better positioned today.   Looooooonnnnggg Past time some of the major unions and sane MP's split. They are almost certain to lose their seats and the country anyway, and union power will be trashed even further under the Johnson/ERG deregulation plans. and Corbyn will still not resign ...
    • Okay. We are very happy to help you get your money back. If you have the evidence that I have indicated then there is absolutely no problem and frankly I don't know why Halfords seems to be prepared to cause such a fuss to deny you your consumer rights and to save her company 40 quid – simply on a callout fee.  Now that I've called their attention to this thread I expect that they they will be following it. If you are prepared to issue a small claim then we will help you all the way including helping you draft your documents. Halfords will be crazy to allow this to continue – but if they decide to get personal about it then they will see you in court but the chances of them winning are negligible. It's up to you. Bringing a small claim is very easy. Your risk would be the claim fee which in this case would be £25, I think and then if they push it to a hearing about a hundred quid which when you win – if you win – you will get back. Of course we will publish the result here and show Halfords up as we have done before. It's amazing to have to go to this kind of trouble.   Once again, I just want to confirm that your case will be that you inputted all the correct details into their website and Halfords returned a particular specification to you which was incorrect. Effectively this means that they are in breach of their contractual duty to supply goods which are fit for their purpose. However, have you checked elsewhere in fact Halfords are correct and that the tyres are not fit for your vehicle. It occurs to me that maybe Halfords have told you that they're not fit for your vehicle when in fact they are. This would also put Halfords in breach but in a rather different way.  
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mooshy

No idea who has a charge over my house ?

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We bought our home approx. 11 years ago through the old Homebuy scheme

through a housing association called Beth Johnson.

 

we got given a 25 % loan which is repayable at any time in the future,

and whether the house increases or decreases in value they have a 25% return upon sale .

 

We still own the property but its legaly called a charge or something .

 

We put a biggish deposit down ourseleves .

 

The house is worth approx. £170k now and the mortgage is around £60k

 

we are divorcing and I need to contact Beth Johnson to ask them legally

if I can ever transfer this to another property

and at least inform them that divorce is in progress

and I may be the sole owner if the Halifax agree .

 

Beth Johnson seem to no longer exist !

 

Every time I google it Sanctuary Housing comes up

- so ive emailed them to ask who on earth has a charge over my property now .No reply .

 

Im a little shocked that I never received any documentation to say Beth Johnson had transferred ownership

or whatever happened to them,, and that I have absolutely no idea who now has a charge over my house ?

 

Any advise would be very helpful ?


Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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You can check with land registry


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Check the Land Registry - there is a small charge for this, but it should tell you who has a charge on your property.

Edited by citizenB
removed incorrect link

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Hi

Thanks for that .

Its £19.50 so I haven't paid it yet will try a couple of other avenues first .

 

 

I spoke to someone in XX which is a big Housing association who bought up lots of the smaller ones - the one who lent me the equity loan being one of them.

 

 

According to them I don't even exist on their records .

I wonder if I should see a solicitor re this ?

There is a fair amount of equity in this home .


Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Cnecking the LR on line for changes on your property should cost you £3, unless they have put it up recently.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Removed incorrect link - please use link provided by WelshMam2009

 

Check the Land Registry - there is a small charge for this, but it should tell you who has a charge on your property.

 

This is not the correct address CitB. This is a private firm who are not affiliated with Land Registry and charge way over the odds for the same servce.

 

The official address is https://eservices.landregistry.gov.uk/

 

I searched my property last week and it cost £3 for the title deeds and a further £3 if you wanted a plan (optional).

 

Hope this helps.

Edited by citizenB

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© 2014 LandRegistry-TitleDeeds.co.uk · Privacy · Terms · Site Map

 

LandRegistry-TitleDeeds.co.uk is an independent supplier of Title Documents and Conveyancing Searches. We are not affiliated with the HM Land Registry.

 

Land Registry Title Deeds

 

 

warning not an official Land registry site


:mad2::-x:jaw::sad:

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This is not the correct address CitB. This is a private firm who are not affiliated with Land Registry and charge way over the odds for the same servce.

 

The official address is https://eservices.landregistry.gov.uk/

 

I searched my property last week and it cost £3 for the title deeds and a further £3 if you wanted a plan (optional).

 

Hope this helps.

 

My apologies, I dont know how that was saved into my favourites list ? I have removed it and also the link in the thread above to avoid others being led to the wrong place.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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