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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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kevrapley

Partnership John Lewis

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4504 days.

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Hello board, has anyone had any dealings with Partnership John Lewis? I have a credit card with them and missed my monthly payment by a day due to the fact their website constantly logs me out and wouldn't allow me to use the form to setup a direct debit. So been charged by yet another money grabbing organisation.

 

My first approach will likely be to give them a call and ask for the repayment to be reversed.

 

Failing that I will send a letter.


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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Guest Lueeze

Do a search on the board, I have heard of John lewis on here, but not 100% sure where.

 

Good Luck

 

Lou x

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Thanks Lou, I have made an advanced search and unfortunately returned no results.

 

On a separate note I just wanted to know whether John Lewis Partnership card are allowed to charge me £3.50 a pop for a cash advancement withdrawal from a hole-in-the-wall?

 

I have a fair few of these for withdrawing the max limit a few days in a row to transfer into a different account. I probably could've done this over the phone and saved myself time and money, but unfortunately I am phone shy when it comes to banks!


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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Guest Lueeze

Im almost sure the £3.50 charge is legal, cash withdrawal charges are expensive but legal as you are paying for a service to get money out.

 

Im sure John lewis is on here somewhere, I might have a look when i get a minute spare...

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I am still unable to find another case from anyone on these forums, however I have just received my statement and scoured the pages to find an address (these financial services are so illusive) and can just see the registered office. For all and sundry:

 

John Lewis Partnership,

North Street,

Winkfield,

Berkshire,

SL4 4TD

 

Also just to end, John Lewis Financial Services is a member of the HSBC Group. :mad:


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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Guest Lueeze

I was wrong, theres nothing about John Lewis Partnership, just about faulty returns!

 

Sorry! Anyway treat them like you would with any normal bank

 

Good Luck

 

Lou xxx

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I think that HFC now deals with the finance for John Lewis storecards. Sorry but I don't have their contact details but I'm pretty sure that I have seen other claims to to them on this site.

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Thanks Lusky, What is HFC an acronym for?


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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John Lewis Partnership's Head Office address is:

 

John Lewis Partnership

Partnership House

Carlisle Place

London

SW1P 1BX

 

 

The John Lewis card group are now under the umbrella of HSBC bank (they term it as a partnership).

 

HFC bank have also been taken over by HSBC bank and now tend to go under the name of Household bank.

 

HTH

 

Sproggi

  • Confused 1

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Excellent Sproggi, thats great information!


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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I have a store card with John Lewis the address for this is

Account card services

po box 6572

liverpool

L71 2WW

 

dont know if this is any good to you.

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Thanks Brecken, I also have details of this PO Box, but I think this address of the head office will be a little more direct.

 

John Lewis Partnership

Partnership House

Carlisle Place

London

SW1P 1BX


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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Don't bother applying for this card if you have a good credit rating. They have "confidential" criteria which basically means that if you pay your debts on time and have no loans they will turn you down for a card. It appears they want people who are going to make them lots of money in interest by getting into debt, which I guess is the business they are in. The card "partnership" is however giving the John Lewis brand nothing but a bad name.

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This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


HSBC:

17/06/2006 Settled on offer of £785.00

 

Cahoot:

25/05/2006 DPA sent. 40 Days to comply.

06/07/2006 Deadline for DPA.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4504 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Guest
This topic is now closed to further replies.

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