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Thank you for your imput. I will try to establish the current ownership of this debt. back in a few days regards djc

WE have an old unsecured loan that was subject to a ccj and later a charging order was secured against our property. We believe that the original debt has been sold to a well known debt collectors. Question is the charging order still valid if original debt has been sold. hope you can help djc

hya! nottslad we currently have quotations to replace with a combination high efficiency condensating boiler but are trying to understand the technology and reliabilty of this need breed of electric high efficiency boilers. for iformation they are 99.8 % efficient slighty better than gas boilers. concerning change of supplier we have considered this but gave up due to the hassle of having to pay deposits etc..... now we would much rather kill off the gas supply completely has anyone got an electric central heating boiler fitted if so how are finding it compared to a gas/oil boiler djc

we currently have installed an old baxi back boiler fitted but it has a leaking heat exchanger. we currently have a prepay gas meter fitted and the costs of using it are horrendous. consequently are considering a new boiler. we became aware of the new breed of electric boilers but finding it difficult to obtain reliability assurances of these boilers. Has anyone got one of these fitted and how are you finding it. the other easier option is to fit a gas boiler but am reluctant to go down this route due to british gas rip off practices to prepayment metering. any suggestions that are printable djc

zara it looks good to me but there are much better qualified caggers on here that may well be in a position to correctly advise djc

gemini let us know of any progress good luck djc

ejleigh68 sorry for not responding but been journeying to hospital and consequently been tied up. are you going to push on with your claim. i understand that claiming ppi is a seperate claim from credit card unenforceable. reference your new aquired wealth of banks share portfolio. i recommend that you hold on to them. djc

kamalamrani obviously you should have been aware thatyou were on your threshold of being in the black but that said where do we go from here. personally i would open another account asap next a visit to these industrious bankers to see what limitation or reduction you are able to negotiate and finally consider claiming unfair charges to your account at least one ie home visit is unlawfull as you never requested or sort to have them visit. they will try it on after all they need money obviously yours. good luck djc

unmod..... you need to provide a little more information to enable people to try and help. djc

Capitl punishment my latest insight on credit card charges claims is that all claims management companies and solicitors practicing in consumer litigation are holding back from issuing any further letter of claims until an appeal due to be heard in october has been heard. yo may be in for a bit of await so be carefull.i understand that it concerns how credit card companies applied interest charges onto fees etc... if the banks lose this one they will really be in trouble djc

zararh opening a new account makes a lot of sense it always pays to have more than one option particully if your savings/credit card/ or loan are with the same bank. if you have on line access to your account then you will be able to establish how the halifax inputted your transactions. check and let us know how it recorded djc

gemini your previous claim may well be barred from claiming back charges that relate to the time period previously claimed for, but not new transactions that have been applied since therefore you are entitled to claim all unlawfull charges that have been applied to your account since your last successful claim happy hunting djc

zararh reading the responses that you have received i am in little doubt that an eye ball to eye ball may well accomplish some comfort and satisfaction of your circumstances. you are quite entitled to see evidence of your account transactions which will clearly demonstrate the sequence of transactions you will then be in a position to argue you case from facts and hopefully secure some redress djc

suggest you go down to your branch and politely remonstrate with them over thier banking procedure and controls. I would assume that thier system has probably caught up and now shows the transactions and the sequence that these transactions were recorded by thier system. then and only then ask for your money back. slowly slowly catchie monkey. if they do not play fair then claim back exorbitant charges for as far back as you can go minimium of 6 years good luck djc

CP what is the date you took out your credit card djc

CAPITAL punishment I think it is true to state that almost all banking institutions are in total disarray and are clutching at anything within there little safe depository holding area that bears some resemblance to an original created credit agreement. unfortunately they have either lost, destroyed or copied inferior prints that are unreadable.consequently the majority of cca's are not available.Which makes them unenforceable through litigation. (one of our legal experts may well shoot down this view). from my viewing of your credit card cca it is total rubbish and fails in 99% of terms and conditions.IT is not even an agreement. from my own litigation with these credit cards they are fatally floored in a large number of arrears. concerning your potential liabilities with the halifax. if you have an account ie savings or current account, arrange to take out and transfer to a banking institution that is not merged in any format with the halifax, or you could lose it for paying any debt owed or otherwise. reference the insurance total mortgage protection plan. not familiar with this. sounds fantastic but is it any good. BY the way capital punishment has been abolished in this country for a large number of years now unless you know differently ? djc

maroondevo52 thank you and well spotted djc

lee 786 you state that you have opened a new account with the TSB.please be aware that halifax bank of scotland is part of the lloyds tsb group. if i am right then they are still in a position of taking what is owed from any account that you hold within thier group of banks. be carefull djc

hya everyone this situation ref claiming overcharging on ppm is going to run for some time. but it is great to join like minded persons on a quest for justice and be in a position to actually try and recover these outrageous charges. We have a ppm for gas and it has been inslalled since since about 1996. we became aware of the european directive concerning cost reflective pricing through a national newspaper article and the national housing federations campaign to assist its members. i wrote to the managing director of british gas, phil bentley, on the 19th of june, 2009. complaining of the policy employed by british gas, and asked for my money back from the 1st july, 2004, to the present date. we received a letter back from phil bentley dated 29th june, 2009.albeit that they believe that thier charges are fair and reflect the increase charges which are necessary due to the technology that is in place to recover there exorbitant fees. total load of old tosh. they also asked me to send £10 to enable them to provide all documents and details that they hold.they really do live on another planet to the rest of us. we are now awaiting for the national housing federation to advice us of our response to british gas letter and hopefully be in a position to move forward and elevate this injustice to another playing field. djc

hya davie1986 we have ppm and an old baxi backboiler and a baxi before that. we have had no trouble in relighting our pilot light but must admit that we have only once in 20 years had to perform this task. however if i was to experienced any difficulty in the relighting process i would have no hesitation in seeking help from a corgi registered tradesman. also i cannot foresee any problem in fitting a ppm to any old system unless it was unsafe i.e. leaking and/or did not have fitted a cutoff facility that is part of the boiler. from my recollection as a user, all baxi boiler systems new or old have to have a cutoff system fitted which is mandatory. hope this helps in someway good luck djc

hya ROONY and MAYBELLlNE May i apologise for not replying to your enquires but whilst i have been on this site i had failed to notice your posts.also since last august we lost both of our parents and life has been difficult with sorting everything. sorry. You may find this difficult to understand but believe it or not we are still waiting for counsell to table a particulars of claim. today we received a call to inform us that the final piece of the jigsaw was now in place and are now in a position to proceed.how opportune that piece of information is. i will try to remember that this post is still live but this journey is now over three years old, i cannot admit to being bored quite the reverse but the stamina that is needed i find beyond my normal capacity for patience. thank you djc

Stephen154 you are correct your mortgagee holds a copy of your deeds as well as land registry, hope i am not confusing you. djc

Stephen 154 you state that the land registry has recorded a seperate charge against the property. but your original mortgagee has no knowledge of this charge. if you have purchased your property and the land registry have copies of your deeds. then you do not require the deeds from your mortgage company to enable a future sale of your property. but if the land registry hold your deeds and your solicitor needs them to enable a future sale of your house then the land registry deeds will highlight this additional charge. i hope you are able to follow the logic of above. i am trying to foresee a possible problem at the sale of your existing property. at present i believe i am correct in saying that original mortgage companies copies, of deeds, are not necessarily used anymore because the land registry during the last ten years or so now hold them. further question the date of your loan agreement dated 4-07-07 can someone tell us is this covered by cca 1974. and can it be made unenforceable. and what part of cpr act needs to be quoted. please remember i have no legal experience just trying to help djc

HYA i became aware of this part of the act when a CMC was checking a loan agreement of mine and miraculously the loan company brought the yearly statements upto date very quickly but unfortunately the CMC failed to follow up. so you may have hit on something that merits further scrutiny. good luck djc