Anglian Water overcharged me for years, charging to remove surface water when we have no drains. They eventually credited a years worth of water bill and I stopped payments to use the credit. I had lost my job, so it was handy. I carried on paying for a few months to get me in credit for when redundancy ran out which it did. I was not at home a lot as unable to get housing cost help. I worked out how long it would take to use up the credit, and because I was away did not see the bills. Just at the time I needed to start paying again we came home to the downstairs under water, a central heating pipe had burst underground. I had the leak fixed, and told Anglian Water expecting to get a leakage allowance, in line with the agreement to move from water rates to water meter. They refused, and took us to court for £500. I filled in the form and disputed the amount, gave copies of the plumbers bill and photos of the leak and said that my sister was disabled and unwell, so could not attend. I had started a new job, and could not get time off. I expected common sense to prevail. I also paid £200 on account while it was sorted out. They are very nasty. They went ahead, ignored my evidence, I continued to pay money each month. I then received a warrant to take goods to the value of £500. After a frantic phone call, I discovered they had not credited the money I had paid against the amount, apparently I had two accounts with them, despite my writing a letter to Peter Simpson the CEO sent by registered post to tell them. So far I have paid £1000 this year, the account is in credit , and my sister and I have a CCJ, they have refused to remove it. Unfortunately my sister has passed away, she had cancer. I am left with a CCJ, having paid 3 years worth of water in 10 months, I can't borrow any money, or even change my mobile. Can anyone help? I am at my wits end over this. They are seriously nasty!

We received a letter from Nat West last year, we have a charge on your house and want £265,000 when its sold. Not asking for possession now! Oh, and it was addressed to my sister who has not banked with NW since 1984. This was the start of a nightmare, and when I turned detective! Our house was bought in 1973 on a 45% deposit and 55% mortgage with the then Alliance Building Society. The person who paid the deposit was my sister a single woman who pre Equality act could not have a mortgage on her own, our parents names had to go on it. We are still in the house, but with a massive problem we need some assistance with. This is bizarre, and linked, there are three parts to this. In 1983 my sister decided to have a further advance on the mortgage for home improvements, the solicitor who did the conveyance did the legal work for Alliance this was called a second charge, paid for by my sister. This £8k was paid by cheque to the local Nat West branch. She had a career ending car accident within a few weeks and asked for the money to be returned. The money has been missing ever since. No one at Alliance has ever discussed it, and we have been to the FSO twice. They charged her arrears for not paying the extra mortgage. In 1989 the mortgage was extended to 49 years from 25 years. On the first Ombudsman outing in 1986 it was discovered Alliance were sending documents to the wrong address. We had discovered prior to that the conveyance and mortgage agreement had the address of another house on them. Alliance said it didn't matter. They had sent out a mailshot saying they were extending terms, which we did not get. The copy we were given does not make sense. But was sent on a reply if you don't agree basis and we did not reply so have been told we accepted it. Alliance were not at all nice over my sisters accident, and made it clear they wanted to repossess. They tried twice and each time it was thrown out. Each time we tried to find out about the missing money they would not give any info as one parent had died in 1989 (age 71) (same solicitors did will), and the other had dementia, Alliance hid behind the DPA. They let slip there was a charge and my sister thought it was the second charge. We did a DSAR and were given some paperwork, clearly not all. Anything relating to our parents was not provided. Move on to 2012, the second parent died (age 90), which coincided with the Nat West letter. We immediately contacted Nat West, and they were very patronising and unhelpful. They had a charge, no we could not have the paperwork. Back to the FSO. Nat West opted to time bar the complaint, but did say the charge was for our parents overdraft in 1983. They had turned an overdraft for two pensioners into a charge on a house they had not paid for, without my sister knowing about it. The same solicitors have lost the other parents will, and while looking for a copy in the loft, I found a briefcase which forcing open had some letters in it. In 1983 they had a £2,500 overdraft and only a state pension, it has to be charges. They were both ill with cancer then and not up to Nat West. I found court documents, Nat West had taken them to court and refused to wait for legal aid to come through. The documents show Nat West lied to the court about who owned and paid for the house, my sister according to them resided with them, and did not own any of the house let alone pay for it (from her Nat West account at the same branch). We know my sisters accident solicitor wrote to the court for them asking for time for the legal aid to come through. And I found a letter dated after the hearing from legal aid which had not been agreed even then. By that time it was too late! Alliance have provided some limited paperwork, including an offer of a charge from Nat West in 1983, the same time as the further advance charge and it looks like my sister signed it. On the second page is a handwritten document detailing the property. The first thing I noticed is the address is the same wrong address as the conveyance and mortgage agreement. This address is only on those two documents. In the briefcase is a letter from Nat West to my sisters accident solicitor saying the local Solicitor (the same one as the house purchase, did wills, and the further advance and much more over the years) gave them a charge document to drop round to the house to get her to sign, and she had seen a solicitor first. Nat West had come to the house after the accident, but the document they asked her to sign was to return the £8k, and no she did not see a solicitor first, and nor was she left a copy. Other documents provided by the Alliance DSAR and the documents found, make it clear the local solicitor was acting for Alliance, the family and Nat West all at the same time in 1983. They had a copy of the house conveyance on file and it was in 1984 that it was noticed the address was wrong. A letter puts the £8 in the hand of the Nat West manager in 1984 exactly one month before it went out of date. Another letter in the case from 1986, states the Alliance solicitor told the accident solicitor the £8k was never paid. I think the cheque was never cashed. Alliance are not keen on establishing that! I can prove Alliance started arrears proceedings knowing my sister had not had the money because of the letter from Alliance to the Nat West manger 5 months after it had been received, he was asking what it was for. The covering letter does not specify which account to pay it into. So, here we are. Alliance have refused to do anything about anything because of the DPA and my parent with dementia. Now its a long time ago, and they did nothing in 1986 when there solicitor told ours it had not been paid out. When the first parent died (in an Combat Stress care home) the solicitors dealt with the estate, and did not let on about the Nat West charge they did (did I say the handwriting matched work done for us)! Nat West say they have a charge and want the money, but will not give any details, claim its time barred, will not even tell us what interest they are charging, and will not look for our £8k last seen in the hands of their manager. The local court no longer have the details but say we can go back with the documents we have found including the affidavit, which we can easily prove is a lie. My sister is a pensioner her self now, our legal insurance don't want to know, and she cant get legal aid, can any one help with what to do and how to get help with this? If this goes on the total value of the house will be lost over an overdraft we knew nothing about for someone that did not have a financial input into the house, and is dead.

Hi my sister and I have a massive problem with Nat West, Alliance & Leicester and the family solicitor about our house. My dad died in 1989, and mum last year. After she died we discovered Nat West claim to have a charge on the house. It's complicated as the house belongs to my sister. She paid the deposit and the mortgage, but it was bought in 1973 when a single woman couldn't have a mortgage, so our parents names were on the house with my sisters. In 1983 my sister decided to borrow a further advance of £8k from Alliance which meant s second charge on the house. This money was paid by cheque to the local Nat West Bank but no account was specified on the letter. Unbeknown to her until this summer, our parents had an overdraft with Nat West of £2500 in November 1983, when they were pensioners, must have been charges. I have discovered Nat West turned the overdraft of my parents into a charge on the house at the same time, and their charge was done by our family solicitors who was also doing the charge for Alliance and the further advance. He must have slipped in a document for her to sign with the Alliance paperwork a s Alliance have given us a document with my sisters signature which is the offer of a charge. S he did not go into the bank, so it must have been signed with the further advance paperwork. She was duped into signing it. Alliance have given us another second page to the one she seems to have signed. It is handwritten and has the address of another house in the next street on it as the property. Now in 1983 we did not know the mortgage agreement and conveyance had the wrong address on them, the originals were with Alliance and the solicitors had a copy. T he house is not registered at the land registry. So how could they get the wrong address, other than the family solicitor! We also have a letter from Nat West naming the same solicitor as doing work for them. The £8k had not been paid into an account 5 months later, and I now believe the cheque went out of date. My sister was badly injured in a car accident in Nov 1983 and in and out of hospital for years after. The £8k has been missing since Jan 1984, we have tried to find it and no one will look for it or discuss it with is. Been to the ombudsman twice. Mum had dementia for years and they would not deal with it because her name was on the house and she could not sign the forms. Alliance started arrears when they knew we had not received the money and took my sister to court twice to try to repossess. Both times it did not work, the mortgage was being paid, but not the extra for the further advance. I pay it now. alliance extended it to 49 years in 1989 and I still don't understand the mail shot that went to the wrong house. The upshot us there are two charges on the house, one with the money missing and the other Nat West claim to have a court order for, but will not give us a copy of, nor the Ombudsman, and elected to time bar the complaint, but still want the money. What was a £2500 overdraft to a joint bank account is now a claim form £265,000 when the house is sold, it's uncapped and they won't tell us the interest rate (or the Ombudsman). They elected to time bar the complaint, but still want the money, which is uncapped and will soon be more than the value of our home. Any ideas to help gratefully received. We are trapped in a house, my sister is a pensioner her self now and cant move, I pay the mortgage, but was made redundant and am now temping, I am worried I can't pay it. I have found lots of paperwork in my fathers briefcase including a letter from my sisters accident solicitor saying Alliance's solicitor told her the £8k had not been paid out! This is the short version. Thanks Skyfall_2013

Can you get round a time barr?

Santander Complaints Department PO Box 5129MILTON KEYNES MK9 2YN This is the address provided to me by the Financial Services Ombudsman as the address to use for Santander (including Allliance and Leicester) complaints. They also told me to always send it Registered.