Firstly sorry if this is in the wrong place. My sister in law and her BF bought a house together then split up a couple of months later. Now it's a joint mortgage and she is living in the house. What is the legal situation here? Could he force a sale? He's asking for money to buy him out which she doesn't have but also I don't belive she would get a sufficient mortgage on her own. Quite frankly he deserves nothing from the house. What is the legal stand point in this situation? Thanks in advance

Hi. Firstly I have no idea if this is in the correct section so someone please feel free to move if it's not. Now, my mum was cold called and foolishly agreed to attend a meeting to have an hearing test. They paid for transport to and from a local hotel and whilst there they told her she had suffered hearing loss probably from work. She also at this time agreed that through their solicitor they could pursue the claim on a no win no fee basis. I'm very sceptical of this and have tried to advise her that she should pull the plug, however the last correspondence she received stated that she would be liable for costs if she pulled out 7 working days after receiving said letter. This time as passed. Also on this letter it states that although it's no win no fee she could still be liable for costs. I don't really have a clue what to tell her, can anyone advise on whether she can still pull the plug for no charge and also just confirm that I am correct that this is some sort of [problem] and that I'm not advising her out of a genuine claim. Any help fully appreciated. Richie

I do not agree with your assessment of my claim and her are my reasons why: - I applied for a credit card online and did not select PPI - One week later the policy came to be added to the account after a call that Capital One acknowledge was not compliant. - There is no evidence of informed consent being provided - Whilst Capital One's fine during the period does not in itself confirm miss-selling it certainly casts doubts upon both the sales process and whether this was followed by the lender. -In the adjudication the adjudicator states that Capital One had a duty to give me the information I needed to decide whether to take out the policy. Capital One has acknowledged that it did not do so - Whilst the script that the sales advisor may have used prompted a discussion on optionality there is no evidence to suggest that the script was followed. Even if it was Capital One has acknowledged that this script was flawed. For these reasons I expect you to re-asses my complaint and provide me with a more favourable response. This is what i am going to add to my mums response. Will this be enough? Thanks in advance.

Andy as no one else as been able to add to your points, do you think they will be sufficient for a response? I was planning on literally copying them into a word document and printing and attaching to the form will this be ok? Mightymouse, i don't know if she would of been caught out as i cant seem to find the information, where would i access it?

I will re read regarding wether she would of been caught out. Sorry I some how missed your first response.

Good enough for me. Thanks

That's good to know. So my mum still stands a chance of being successful do you think?

Thanks. Those points will help. In trying to ensure I don't get this wrong after convincing my mum not to use a 3rd party, so your help is appreciated. I will ask her to check regarding the sickness.

Is this any better?

Will have a crack at that now. Thanks

Iv attached pictures of the letter if someone wouldn't mind looking through and helping me on how to reply. Thanks in advance

Anyone?

Iv received the letter from the adjudicator, is it possible I could upload it for advice on how to argue against the points?

This is a great point, I will add it to her response when we receive the letter. Thanks for your help

Thanks for your response. I will certainly take it further. 1 point he mentioned is that we put down that ppi was taken online as my mum believed it to be but they say ppi was added later after the activation call. Can they refuse it based on my mums uncertainty?