Been reading more into it and have drafted up an email to them to find out more too
1. It seems if I buy online on the Sytner page, I can use debit/credit card
2. I have found on their "charter FAQ" page : Deposits can be paid via both Debit or Credit Cards with balances payable by debit card or bank transfer. (Credit card payment may be limited, if in excess of £2000). I am questioning this but if right, the best I can do is debit card it seems for £10k as this is Barclays persona account daily limit.
3. I have paid deposit (£99) via credit card, does this allow the entire amount to be covered under Section 75 as per Homer67s response if I pay the rest via debit or bacs?
Thanks in advance
No matter at all. If they can't read a letter and understand what you were telling them, that's their problem !
You gave them your new address so, if they used an old address to get a sneaky back door CCJ, you have all the proof you need to have it set-aside.
You need to ask for a breakdown of figures of how the Council came to their decision.
Once received you can ask the Council to review, make sure you point out the errors in plain childproof English as Council workers are not employed for their intelligence! and if not ask them for a deadlock/final decision letter to take to the independent tribunal.
You can still apply for the final charging order to secure the debt against the property. You can then apply for an order for sale once that's granted but the joint owners' situations would need to be taken in to account by the court. Whether or not it is granted depends on the status of the home and what the intention of the joint owners was when the property was jointly purchased. If it is a family home with children, the order for sale is unlikely to be granted. If there is insufficient equity in the property to cover the debt and the debtor cannot make any repayments, it's also unlikely to be granted. Disabilities of the occupants can also be taken in to account. Depending on who the occupants are and why they are joint occupants, it may be difficult to force a sale.
Thanks, nope no breakdown they don’t Bother just an email to say bill is now due.
my HB is paid direct to landlord from UC if love you have 1300pcm it would be a huge help, but we don’t and it seems since Uc came in it’s really messed this up!