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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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We are in the process of selling our house and the buyers solicitor has asked for proof of work that we had carried out which included damp proofing and cavity wall ties , i have the original quote but cannot find the guarantees as this work was carried out a very long time ago, so i contacted the company that did the work to see if they still have record of the work which they do and were more than happy to supply me with copies for ......£120 😳as you can imagine i said thanls but no thanks even my solocitor was gobsmacked is this the going rate ?? For a couple of bits of paper ? Surley its slightly excessive 

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Yes it is excessive and I don't think you have any choice other than to pay up.


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Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.



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if the guarantee is covered by a trade association scheme they will have the reference for it, as is the case for replacement windows and the FENSA scheme that automatically  gives the nod for the building regs notice requirement.

The other way fo going about this is to ask for a copy of all the data they hold on you and the job under the GDPR. Even if they wont send you a copy of the guarantee you will get copies of the paperwork saying who did what and when and they will have to stand by their work.

If they dotn provide the data you say that you are makinga  claim against them under the guarnatee scheme and want them to come round and inspect/ remediate you problems at that will force them to write to you denying there are any problems.

Alternatively it is unlikely that the purchaser has any idea that their solicitors are delaying the purchase wrangling over a bit of worthless paper so you could tell them that you are minded to withdraw frok the sale if this is the only sticking point.


dont let the lawyers get in the way of the smooth running of the tansfer, they ahve a habit of demanding things that you wouldnt be slightly  interested in anyway. My solicitor wrote to the peopel I was buying teh house from demanding indemnity insurance against breach of covenant that affected a field wall that was demolished in 1928 and the house was built in 1959 so hwo that got dug up is beyoond me > after a complaint I was awarded £200 refund of my fees. try and see if this is just the sold ot the mortgage provieder doing the box ticking and you may well get the whole thing dropped in no time

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