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    • 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
    • I have got a copy of the charge. The Land Registry responded to say that the document attached to the RX1 was as follows. The A4 document headed 'Health and Social Services and Social Security Adjudications Act 1983 and National Health Service and Community Care Act 1990' is a statutory charge. However as the person concerned (your late father) was one of joint proprietors of the property, the charge could not be registered or noted. Instead it was protected by registration of a restriction.   This is a statutory charge that has arisen under section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   Unfortunately the Land Registry blog was discontinued on 30 June 2020 [I only found out today!] they're waiting for a new platform which could take a few weeks - so I haven't been able to obtain any other advice, other than what I found in the Hardwick and co website today which stated that S22 of HASSA had been repealed and stated that    After 1 April 2015 a Local Authority will only be able to recover unpaid care home fees by securing a judgment debt either in the County Court or the High Court (s69(1) of the Act). and The Act increases the time limit for the recovery of a debt comprising of unpaid care home fees from three years to six years from the date the sum becomes due   hence I thought that as the fees had not been paid and more than 3 years had elapsed that perhaps the charge was no longer extant?    If the restriction is such that the CS only has to notify the council [and there's no restriction on me selling] then I thought the sale could proceed while I continue to battle it out with the council. Who haven't been in touch now since 2016.   This is all very complicated - I'm sure it could be simplified!!   Thank you      
    • You've been here since 2013 so you must be aware that the tell people all the time to read our customer services guide and to record their calls. We try to remind people that if they don't record their calls then sooner or later they will regret it. I think if you do anything morning telephone you should have read our customer services guide first because then you would have the evidence you need to persuade people that you did take the action that you saved it. I suspect one of the problems it will be managing to establish that you let people know in advance. If there is a delivery which signed for that you may find that Amazon and also your bank may not be very happy about helping you out. Although the bank may activate the chargeback, they may later on after a further "investigation" for the money back from you. Suggest that you send Amazon an SAR.  
    • Thanks. Do I go to the bank and ask for this, or is this something I have to apply for outside the bank?     
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worried man

other debts as well as santander OD

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No hassle from Santander,

we had a DMP for all our creditors with Stepchange,

 

 

they were extremely helpful & arranged payments with all our creditors.

 

 

After about 6 months we decided to administer the DMP ourselves,

just carried on with arranged payments, no interest added by Santander, we owed them £2600 now down to £1800.

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hi dx

my credit score is 307 8 positives 3 negatives,

but im sure that will change once i let jacamo jd williams premier man

 

our situation i think i send them a token payment once they contact me as it costs 13p a minute or something daft to ring them

and i am sure they just get very nasty.

 

dreading talking to them all

 

feeling very sad and worried about this whole thing

 

wonder if i should carry on as i am till me overdraft goes bang

or i do i have a heart condition

not a happy bunny today

 

scared vanquis will contact wife at work

 

all the other debts are in my name

 

debt mangement trust-stepchange-payplan- christians against poverty which one do i choose

 

how do i cope with creditors in mean time

feeling sad :(

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thanks oldgirl what information do you need to send to stepchange all bank statements proof of income copies of bills i assume

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lots of things there you have gotten wrong or have been reading fairy tales about.

 

 

firstly never ever use the phone regarding your debts

one, you need a papertrail

2. you are under NO legal obligation to discuss debt over the phone

put the phone down after stating writing only.

that goes for calling peoples works numbers

that UNLAWFUL and cannot be done.

 

 

so what are the defaulted dates on your credit file.

 

 

I wouldn't be rushing into any debt management plan with anyone yet or at all.

 

 

we need to get you duck inline.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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the hint there from oldgirl, if thats what you want to do

we decided to administer the dmplink3.gif ourselves,

IMO

:-):rant:

 

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oh i think i like help from stepchange etc so it cuts some of the hassle out thamkyou all for your advice etc just scared by it all

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lots of things there you have gotten wrong or have been reading fairy tales about.

 

 

firstly never ever use the phone regarding your debts

one, you need a papertrail

2. you are under NO legal obligation to discuss debt over the phone

put the phone down after stating writing only.

that goes for calling peoples works numbers

that UNLAWFUL and cannot be done.

 

 

so what are the defaulted dates on your credit file.

 

 

I wouldn't be rushing into any debt management plan with anyone yet or at all.

 

 

we need to get you duck inline.

whats me duck ? and how do i manage my debts wothout a debt plan ? dx your a saint ta for your ongoing help :)

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fair do's.

it may well cut out the worry for you.

hopefully you aren't being cash cowed?


IMO

:-):rant:

 

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fair do's.

it may well cut out the worry for you.

hopefully you aren't being cash cowed?

 

cash cowed whats that pls

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cash cowing - paying a debt when you don't need too.

 

id be verifying all the debts are enforceable BEFORE you blindly enter into any DMP with anyone.

they do not check a debts legality.

 

you've a list of debts in post 5 can you copy that list here

 

and using you credit files

 

add the defaulted date to each one please./

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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what bit don't you understand


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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if we told you it cost £10 to post here everytime you'd cough up?

 

 

so how do you gauge what you owe to these people is legit?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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so you signed a credit agreement with each company that you assume you owe that amount of money too


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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MAYBE SOME the credit cards but not sure about jacamo jd williams premierman

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exactly..

so these are the things that need to be investigated.

 

which is why certain questions like when did you open xyz credit account is important

and if you've a defaulted date on your credit file for that debt.

 

it might for the minute to get on a stable footing

send that letter we pointed too offering say £5PCM to each creditor now

 

then we'll deal with each debt and it finer details.

 

as a general question

has all this credit been taken out after april 2007?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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,could you show me that letter again please sorry dx my head is muddled with this and i am worried, yes all credit took out after 2007

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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