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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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angry cat

EE extra charges - misleading?

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I have been with EE for two years and no problem. But recently upgraded to an IPhone form my Samsung Galaxy.

All seemed well, until I started checking my online EE bill;

there were 5 charges @ £1.25 every Monday which amounted to £6.25 - I had no idea what these extra charges related to and I had not authorised same. My contract was a fixed price contract for 2 years payable monthly.

 

So, I had to complain via the EE online chat to ascertain exactly what these extra charges were for; I had no idea?!

Eventually, I found out after about an hour and a half that the charges were for Digital charge; whatever that is, relating to a third party firm: BGames. But I never play games and had not downloaded any app. I checked the online EE community to discover that I am not alone so many people are being overcharged!

EE have been billing these charges to their customers without informing them. Furthermore, suggesting that I and other EE customer(s) contact the the third party firm in order to reclaim these charges; passing the buck...

 

No, I was not prepared to take that route as in my view this is a [problem]!

 

After much debate the online chat person said that they would refund the charges, that is after I suggested that I had been misled by EE and it was EE who had passed my number to this Digital games firms; a DPA breach.

Whether, EE actually will refund the charges remains to be seen but I will be checking my EE bill diligently.

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I have been with EE for two years and no problem. But recently upgraded to an IPhone form my Samsung Galaxy.

All seemed well, until I started checking my online EE bill;

there were 5 charges @ £1.25 every Monday which amounted to £6.25 - I had no idea what these extra charges related to and I had not authorised same. My contract was a fixed price contract for 2 years payable monthly.

 

So, I had to complain via the EE online chat to ascertain exactly what these extra charges were for; I had no idea?!

Eventually, I found out after about an hour and a half that the charges were for Digital charge; whatever that is, relating to a third party firm: BGames. But I never play games and had not downloaded any app. I checked the online EE community to discover that I am not alone so many people are being overcharged!

EE have been billing these charges to their customers without informing them. Furthermore, suggesting that I and other EE customer(s) contact the the third party firm in order to reclaim these charges; passing the buck...

 

No, I was not prepared to take that route as in my view this is a [problem]!

 

After much debate the online chat person said that they would refund the charges, that is after I suggested that I had been misled by EE and it was EE who had passed my number to this Digital games firms; a DPA breach.

Whether, EE actually will refund the charges remains to be seen but I will be checking my EE bill diligently.

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Whoops, looks like I have duplicated my/the above post.

Anyhow, it is exactly what happened!

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