My friend who is a vunerable adult with certain mental health issues, recently awoke to the sound of people breaking in to his house. He text me and I rang him and he told me they had smashed in the porch doors and front door and were inside and he could hear them rooting around and having a laugh. He wouldn't go down and confront them, which I wish he had done as he could prove for sure they were in parts of the house that the gas meter isn't in. I phoned the police who turned up just after they had gone and my friend wouldn't answer the door. The police said the door was not broken and still locked. My friend told me that they had moved things from his porch into his hall and left a letter from Richburns in the middle of the hall floor. He agreed all the doors were locked when he finally went downstairs. He will not face up to the matter. He claims he had a bill of £1200 ish which was for only a year of gas - he only has a gas boiler as everything else is electric and they were only estimated readings and he was only 3 months behind - I have my doubts but I have not seen any of the bills. The real problem I have is, whilst I am aware that utility companies can and do enter into houses to change meters, they only had to go into the porch and change the meter in the cupboard out there. They had no earthly reason to enter the house. He has even found a key which looks like a lock picking skeleton key, again in his hallway. Unfortunately my friend is behind on many bills and I cannot help financially and have not the time to devote to sorting all his issues out - plus he is very abusive to me and makes a million and one excuses as to why he can't deal with it. He may be ill but I am not his whipping post! I am just about to email Keith Anderson of Scottish Power because I feel he needs to explain if they needed to break into his house when the meter was outside. Also, my friend said he signed up to gas with Sainsbury's years ago but this was sold over to Scottish Power but he never signed a contract with SP. Regardless of the rights or wrongs, it is a terrible thing for anyone to be awoken to the sound of people breaking in. I don't know if he got a Letter of Intent, as he just piles post up unread. He is also a clinical hoarder and so I feel these people should not have been rooting through stuff. Any advice as to how to deal with this would be great. Thanks.

Hi Can anyone give me any pointers on how I can challenge NRAM on the sale price of a repoceesed house. I haven't yet seen sight of the completion statement but looking at the shortfall I have and knowing my outstanding mortgage balance it would appear NRAM sold my former home for £25,000. I would expect some costs incurred by NRAM would push the sale price up but they are unlikely to be in the tens of thousands are they? Any help greatly appreciated Would the first step be to request a SAR?

My good friend has been chased by numerous DCA's over the last 5 years for 2 credit card debts. One for £1,000 and the other for nearly £4,000. Due to the inefficiencies and disorganised nature of the DCA's we've managed to keep them all at bay and they've now all been quiet for the last 3 months. My friend is now wanting to move house but we're worried the DCA's could issue county court proceedings to her current address and she won't know about it until it's too late. Should we notify DCA's she's moving or just keep quiet? We're very conscious the debts will become SB in approximately 6 months so don't want to miss any correspondence this late in the game,

Hi I am having some issues with Virgin Media and would appreciate some advice. I took out a contract with VM in February of this year when we moved house into rented property. It was an 18 month contract for phone and broadband only. Then in July we were given the opportunity to purchase a property on a government scheme in a new housing development which we did. I had hoped to transfer the contract over but VM said they couldn't supply me in the new property so I would have to cancel the contract but they would charge me £240 for the pleasure of doing that (the remaining months on the contract) I felt this was unfair as they can't supply me and I would have taken the service with me. I also have heard they turned down the option to install cables to the estate which would have allowed them to supply me. I cancelled the contract, cancelled my direct debit and wrote to their complaints department. To which I got a letter addressed to my new address informing me they only agree to supply the property at start of contract not the person therefore I have to pay up. I still don't think this right and refused to pay. I sent the equipment back. Then I didn't hear anything from then for a month. Yesterday I get a call from debt collection company saying they are chasing the outstanding fee. I am told the VM have written to me a number times but turns out these letters went to my old address as that's all they have on record. That isn't the case as they have written to me in current property. They also have my email address they could have written to me at but didn't. Generally I am fed up with VM and won't be going back even if they can supply me in the future. I would like some advice on where to complain to next, on what grounds and if I have a case. I was thinking that they can only charge me to cover their losses not a loss of income. The term in the T&CS sounds like a penalty clause which isn't enforceable in court. Mike

i am due to be exchanging contracts this friday and moving to ireland. My house in the UK had an agreed sale 6 weeks ago. I have agreed to purchase a house in ireland and had instructed a solicitor in the UK to handle the sale of my house for which the proceeds were being used to purchase the house in Ireland. i have also had to instruct a solicitor in ireland to handle the house purchase in ireland. The estate agent in the UK has received notification this morning that the buyer has pulled out of the agreement to buy my UK property. The estate agent has told me that i am going to be liable as well for my own solicitors fees as well as the ireland solicitors fees for land searches etc as they have carried out the work . On a side note as to my divorce settlement, i am being hit with £400 a month Spousal maintenance until my house is sold I have been left to foot the bill of two lots of £750.00 solicitors costs. total £1500, removers cost as well as they were booked for friday etc Can i claim against the person who puled out of the sale at the last minute to claim these costs. Contracts were being exchanged this friday so has a verbal contract been formed thanks

I was wondering if anyone has been asked/required to take out indemnity insurance on a house sale. Apparently, the house has an old convenant, (not pointed out by our solicitors 10 years ago, but too late to do anything about now), that restricts changing the appearance of the property. Our solicitor says that having upvc windows installed constitutes a change of appearance and that I can either apply for retrospective approval from the housing association or take out indemnity insurance. The catch is if I apply to the housing association, it can take X amount of time and may (only may) cost money - but that if I do so I would no longer be eligible for indemnity insurance. Most of the street has had replacement windows. I have tried to find out from the housing association what the process is, but other than saying that asking in advance incurs no cost, (too late for that) they do not reply. Logic would suggest that retrospective permission would also be straightforward and free, but council/housing associations are often not logical. In ten years the covenant has not been enforced, but that does not assuage the fears of the buyer's solicitors. If only our solicitor had been so conscientious. I've only ever taken out insurance for a set period - for my house or car - so how does indemnity insurance work for houses when you just don't know if or when it will ever be claimed against? What kind of premium are people paying?

Hello, My house was repossessed. It was a 'buy to let' mortgage with HBOS. Is it possible to get the house back? It has only recently been repossessed.

I have been getting lots of calls ( recorded message ) to my cell phone , lots of emails & a text message to my phone informing me of a substantial discount offer from MMF over the course of about 4 months now , none to which I have replied as far as I am concerned I have no debt , checked my credit report & there is nothing on there either , but today they called my parents home phone ( how they got that I don't know ) again a recorded message along the lines of press 1 for a home visit etc , etc , now my parents are in there late 70's & in a fragile way & anyone calling on them will get them in a right state , my question I have is are MMF in there right to call at my parents home even though I don't live there ? I live & work away outside the UK . They are starting to freak me out how they got my parents number , it's an ex directory by the way & now I am panicking in case they call at the address

I am a student from the University of Kent. Recently I signed a contract with a student lettings company (however the landlord has not signed the client copy of the contract must I mention. But this probably doesn't make a difference anyway since there are two signed agreements from all parties with the landlord himself and with the agency.) The rent is from September 2014 to July 2015. There is no break clause from the contract either. Unfortunately I did not pass one of my exams and I also have a startup company that was just accepted into an accelerator program in the San Francisco in August, so I will be travelling there for a month in August. This is when my resits take place and therefore I won't be able to resit that particular exam, therefore unable to continue with my second year and thus won't be able to pay for my rent in the second year that I am liable for. I haven't managed to find a replacement tenant either. I am now in a position where I cannot pay the fees for the house as I am not going to University for a year and I do need some urgent advice on this. There is no way I can afford that rent without going to University, my University won't let me continue unless I resit and the next resit dates are August 2015 - forcing me to take a gap year. If you guys can help me out here that'll be great! Cheers!

Hi I hope someone can help me. My home I had was repossessed last December and subsequently sold on Feb 3rd this year. After the mortgage company taking off their money and solicitors and everyone else I was left with £15000 to come back to me. Drydens who dealt with it all said they had tried to contact me regarding this money so hadn't been able to so the money was sent to the court funds office in Glasgow. I've now been in touch with both drydens and the cfo, I've been sent a copy of the lodgement receipt with my case number and amount being held. The county court dealing with this was in Halifax and was too far away from where I live now so I filed in form n244 and made a request to the judge that my case be transferred to my local county court. This was granted.........and that's as far as I've got! No one I've spoken to at my local county court of the cfo can tell me what i need to do next! I was told to fill in a form cfo 200 but I've now been told that was wrong but no one can tell me what I'm supposed to do. Anyone have any ideas. Thanks in advance as usual

Hello, In 2008, HBOS repossessed a house. This happened because: 1. HBOS did not follow my instructions to make direct debit adjustments to my personal bank account and neither did they update my address (to a property not mortgaged by themselves). 2. Mortgage monthly payments were not made in respect of two houses. 3. Because of the failing in #1 above, I did not receive any communication that there was a problem. I only found out about the problem after a tenant called me saying that she had received a 'Notice of Eviction' from the court. I contacted the bank by way of letter complaining that due to their inability to make changes to the bank account which I requested in #1 above, I now had mortgage arrears. The banks response to my letter was to immediately close down my personal account without giving me any notice as to their intentions. This left me without a personal bank account. Their other response to my complaint relating to the causation of the mortgage arrears was to totally ignore my complaint and not provide me with any answers. As soon as I discovered from the tenant that she had a Notice Of Eviction, I phoned HBOS to ascertain why this had happened. As soon as I understood that HBOS had failed to act upon my instructions for my bank account (direct debits, update address), I then asked HBOS whether the eviction and repossession would be stopped if i cleared the arrears. HBOS reply to this was YES. I also asked whether I could simply make one lump payment to HBOS and they would split it between the both account. HBOS reply to this was YES. The total amount of arrears between the 2 houses amounted to approx £4,000.00 I paid £5,000.00 in order to clear the arrears and: a) Pay off extra capital on the loans, or alternatively: b) To make an overpayment just incase my direct debit for the following month was not actioned within time. Essentially, between the 2 HBOS mortgage accounts, whilst there had been arrears (through no fault of my own) I had cleared the arrears and put the account into credit. After paying this amount to HBOS and upon checking everything was in order, I was informed that HBOS could not split the payment = contrary to what I was told by HBOS earlier. HBOS told me that unless I was in a position to clear the total arrears on the second property that repossession would go ahead. I again explained to HBOS the fact that I had an arrangement with them and that I was told the payment would be split to which HBOS replied that it is impossible to split payments and that repossession would go ahead unless I was in a position to clear the total arrears before said repossession date. Having already paid out £5,000.00, I was not in a financial position to immediately find the £2,000.00 they were demanding from me, as they were in my opinion refusing to budge or help me in any way (to adhere to the information I was first told that payments would be split) then I decided to go to court and let a Judge decide. AT COURT: I arrive early with my paperwork in order. My paperwork included much of what I described as above as a letter to the Judge and the banks solicitor. In addition to what I described as above, my paperwork included a receipt for the £5,000.00 payment in addition to mortgage statements which clearly showed that between the 2 mortgage accounts I was now essentially in credit - therefore, no arrears. Unfortunately, the banks solicitor was over 2 hours late. Because the solicitor was 2 hours late I had to return to my car to buy another parking ticket. Unfortunately, because I was highly stressed in the fact that a tenant could lose their home through no fault of their own, I left my paperwork / proof in the car!!! Upon returning to Court, I was told that the Judge was waiting for me!!!!! Waiting for me for a full 5 minutes, whilst waiting for the banks solicitor for 2 hours... Within court, the Judge ruled that the repossession and eviction go ahead (that day) because there was no proof of what the bank had said and also no proof that I had paid £5,000.00 I asked whether I could be allowed 5 minutes in order for me to get my paperwork and was told this would not be allowed. Incidentally, the banks solicitor spoke with me for about 2 minutes before court and within court proceeded to say a lot of things that were completely untrue, - for example, I was experiencing struggle in payments (this could have been easily disproved with my paperwork as I was not struggling at all). Complaint to bank resulted in me being ignored. I then had a meeting with a bank manager and she was surprised that my account had been closed down - she could not tell me who or why it had been closed down but she did recognise my serious complaint. She said that she would have one of her colleagues deal with this. Needless to say I was ignored after this. Further letters of complaint were ignored. Approx 3 years ago, as the bank had failed in their duty to provide me with a subject access request as well as failing to answer my complaints, I managed to obtain an appointment with a new bank manager. I showed the new bank manager copies of my correspondence and also said that this matter had been going on long enough. I explained to the bank manager that unless he was willing to deal with my complaint within a reasonable amount of time (i gave 2 weeks), then I would be standing outside his bank with leaflets giving the leaflets out to customers and public highlighting the fact that the bank has made a serious error and is refusing to deal with my complaint accordingly. I also mentioned the fact that I had checked with the local police who provided me with advice concerning the legality of my proposed actions. The bank manager said that he would deal with my complaint... To cut a long story short regarding that complaint, - the bank manager faxed my letter of complaint to another manager who would deal with me. I was then informed by said manager after 8 weeks that they could not read my complaint as the ink was smudged. The bank did give me my subject access request, though incomplete and it was missing important information. The house that was repossessed cost me: £16,000.00 as a deposit for the mortgage £15,000.00 in repairs on the property - it was still undergoing repairs on the repossession day. Numerous other expenses totalling approx £5,000.00 The bank has ignored me continually and was told by FSA??? (cant remember) that due to the length of time, they are unable to investigate. I explained to them that I considered this to be unfair as the bank ignored my complaints continuously, however that did not have an effect on the fact that they said they could not investigate. My other losses are inability to obtain mortgages at a more favourable rate since the repossession has had an effect on my credit record. Other information: The purchase price of the house was £80,000.00, my mortgage was for £64,000.00 and the house was sold for around £59,000.00 causing me to have a debt of £5,000.00 which was then transferred onto the other property. Sorry for a long post, hope it makes sense... Thanks in advance for any help with this!

Hi Everyone Looking for some information please thinking of selling my house should I request a SAR before I put it on the market ( would this possibly slow the sale of the house down ) we can sell the house quick very interested parties who wish to buy it and have a mortgage in place or should I sell then activley persure for late payment charges, intrest charges etc any help greatly appreciated.

Hi, I have sold my house due to being unable to pay mortgage wife leaving me etc, but I have about £9,000 in arrears it is only a couple of weeks away from completion but the lender wont wait and has issued repossession hearing in about 6 weeks time. I could exchange contracts any day now advice on stopping the hearing please and what happens if the lender is paid off before hearing? Thanks in advance for any help or advice

My mother and father are selling their house and everything was going fine until it came to attempting to pay off a Lien on there property £16,000. Firstly the creditor isn't replying to our solicitor with any details on how and where to pay. The Lien is 20 years old. My parents havent heard anything from the company concerned since the lien was placed. My parents are very concerned that there will be a huge amount of interest on top of the debt. Can they ask for interest even though they havent sent statements showing it been added. My parents cannot find the original paperwork regarding the Lien if there was ever any sent. Strangely their solicitor seems to be stuck on how to proceed with the sale. Any advise? Regards John

Unfortunately my wife and I have decided quite amicably to head our separate ways. Everything is very civil at the moment but one can't always count on that. We're not divorced yet and I'd rather not force that issue through for emotional reasons. My question: We have completely separate finances and if I buy a property now is there anyway I can protect myself in the unlikely event our relationship turns sour and she came after me for half of the property I would like to buy? (Not sure this is really a CAG question now I've typed it out - but you guys are so good at similar things your opinions would be greatly appreciated...)

Hi there, I specifically searched and joined this to find out information. I have done a terrible thing but to me it wasn't a problem until now all because something come up last week I had to use my money for something else. Well first of all, I got 6 items in total from bright house. But most of the items I no longer have, as I sold them to get money. I know I shouldn't have done it and now deeply regret doing it because, something come up last week where I had to use my money on something else. Long story short, I called them up because I realized that I was going to have difficulties paying this week. But sadly, I quickly found out, that they were not helpful at all, or in the least flexible when I told them I had problems meeting last weeks payment (yesterday was the deadline), although I explained this, they still went on about paying before closing time on Saturday. Furthermore, I was also told I am now going to have a fine for about 80 pounds, for paying late ...and just to make it even worse, they told me I can not just pay this coming weeks money I would have to pay the fine first. Well to be honest there is no chance that is going to happen as I only get 70 pounds this week and I need half of it to buy food to survive until next week. I suppose the point really is, if it weren't for this over the top late payment fine, I Would be able to catch up on the payments I missed by next week and everything would be all back in place again. But unfortunately because of this late payment charge and the fact they want that first, makes it impossible for me to pay them anything. So I know the next step, they will come to my door to retrieve the goods back. But like I said I do not have most of them anymore, so what happens now? IS it possible I could get prison time for selling the goods? Or will I get charged with theft? Well the thing is, I am quite disappointed that they were like talking to a brick wall when I told them I could not make payment, and then when I explained how I would catch up on the payments they insisted that I would have to pay the fine first..well to be honest, this awkwardness makes me not want to pay them another penny anyway. It is either my way or the highway in my opinion, they haven't accepted my way, so it is the high way. (of course) In saying all this, I have to be honest I am quite concerned exactly what is going to happen now as I said I have sold most of the goods, I sold them on gum tree and there is absolutely no way of retrieving them or even tracing them. So that idea is out. Anyone any suggestions? has any one any idea what will happen to me now?

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Hi All Firstly , a little background history about my predicament.... I am heavily in debt, I have the following monthly outgoings: NRAM morgage on my 2 bed house £389 NRAM mortgage on mine and my estranged wifes house(with our 3 children) £675 Firstplus Secured Loan £383 Individual Voluntary Arrangement via Debt Free Direct £247 Food, fuel, gas , electric, living expenses approximately £300 TOTAL £1994 INCOME (depending on how much overtime I can get) £2000-£2150 As you can see, I am living on a knife edge financially. Now, during the middle of last year,I had a few large bills (boiler packed up), and the overtime dried up too, and as a result, I missed three/four mortgage payments on my house (£389p.m). The arrears stood at £1132 at the end of September 2013, but I was able start paying £450 a month which I did. So the repayments looked like this.. September 2013 £450 October 2013 £450 November 2013 £450 December 2013 £450 January 2013 £450 Febuary 2013 £500 Therefore, anyone with half a brain could see that the arrears were REDUCING ! But guess what? Despite constant phone calls from NRAM ( which don't create more money to pay them!), they still took me to court at the end of Febuary with the view to repossess. I only had £713 arrears left at the beggining of March and a court date for 2nd April 2014.... So I had to sell stuff and skip paying other debts in order to pay NRAM. So I paid £477 to NRAM on the 17th March 2014 and on the 27th March, I paid £624, clearing the arrears and making April's payment also..... And they STILL took me to court! By this time I was bricking it. So on the 2nd April , I went to court to face them alone. (I cannot afford a solicitor) But luckily one of the court duty scheme solicitors was available. So we went in and NRAM's solicitor just said " we seek an adjournment" and the Judge just asked me if things were going to improve financially.... I just said I hope so , and that I am trying to work as much overtime as possible to increase my income blah blah blah.... The judge just said that if I have arrears again in the next 12 months then I will end up in court again. So that was it, I just wanted to get out of there.... After reading some of the posts, I think the judge was more in favour of NRAM to be honest. On Monday , I am going to send NRAM a nice £10 present and a Subject Access Request so I can claim my penalty charges back..... I hope CAGgers in the same boat as I am realise it's not as bad as they think.... Now my question is: Can someone send me the template for the SAR and some advice on what do? Also do those that know, do you think I was treated fairly by the court and NRAM? Opinions please? Kind Regards Dick

I need some advice on a potential new living situation. My best friends boyfriend is due to be deployed to Afghanistan in the next couple of weeks and we've discussed her moving in with me for the period he's away (6-9 months). We've lived together before, and get on great, its more about me supporting her through a rough patch this year. I'm not asking her to pay anything towards the house, not the mortgage, bills or anything. Literally just her food, and I will monitor the bills, so if they go up, i might ask for a small amount in a few months time. My question is, do i have to notify anyone? My initial reaction would be the council for tax purposes, but she's not actually going to be classed as living there. All her post will still be directed to her parents, and her home address will still be listed as such. She already stays with me quite a lot, so just kind of making it a 6-9 month long sleepover almost. I want to do everything by the book, so if I have to notify anyone, i will. Any advice? Thanks.

This is a slightly odd one, so please bear with me! I live opposite a pair of semi-detatched houses. One of the houses (number 5) has just been sold by a local estate agent. The house it's attached to (number 7) is my friend's house. This morning, along with the post, a glossy marketing leaflet from the estate agent who sold number 5 has come through the door. It's got pictures of a number of local properties, with a slogan 'We've Sold All These Houses!'. My friend from number 7 has just been over brandishing a copy of the leaflet, very upset that right there on the front of the leaflet is a picture of number 5 and number 7 (obviously, they're semi-detached!) but she's annoyed that her house is being used on the leaflet even though it's not been sold (or even for sale) by the estate agent, and she's not given them permission to use a picture of her house. I've tried telling her it's fine and it's just not possible to show a picture of one half of a semi-detatched house without it looking silly, but she won't listen - she does not want her house used for marketing purposes. I suppose I can kind of see her point - it wouldn't bother me, personally, but it bothers her. She's not a CAG user, hence I'm posting here on her behalf - Does anyone know if the estate agent has done anything wrong by using a photo of someone's house on marketing material without the owner's permission? Thanks in advance!

Hi, just after a bit of advice. My house is up a lane about 50m from the road and until recently there has been no land to park outside the house. My neighbour has bought some land of the house in front and converted into a parking area solely to be used by them even though they have room for two cars beside their house. They have put up a sign saying parking for no1 only, (there is only two houses) what I want to know is what could they do if I parked on the land apart from ask me to move the car? And what could they do if I refused as it doesn't seem a very nice neighbourly thing to do. I haven't move in yet so iam hoping they will allow me to park but I think they had issues with the previous owners and that's why they are being a bit obstructive. Thanks for any advice any one can give.

Hi, I would love some advice. I moved into a new shared ownership house a year ago. The house is, somewhat ironically, called an ‘Eco-House’. The water pump from the rain water harvesting system is defective. This faulty pump, which is meant to take the rainwater through a pipe system to the upstairs lavatory and washing machine, is permanently on 24/7; that is, constantly operating, whether there is a demand from these appliances or not. These pumps range in power from 800w to over 1000w. Since I moved in and until this week (upon discovering the fault), my electric consumption has been around 20 kWh per day. This has now, since discovering the fault and, for safety reasons, having to switch the faulty pump unit off at the mains, dropped to approximately 8 kWh per day (roughly my consumption in my previous home). Also, of course, before the discovery of the defective pump, it was operating 24/7 for a year, and has had, therefore, the equivalent usage of a pump of 25 years old or so. Using an energy monitor I’m video recording how much this pump uses and I intend to use this as evidence if there is any dispute from the housing association or building contractor. Any other tips/ideas would be greatly appreciated. Thanks, Ianbrodski

morning all i think im going to claim against kensington on behalf of my two sis in laws one of whom lost her home and is now in rented although she didnt keep up with payments (split up with partner) and they repossessed her home she hasnt even got any paperwork from the repossession etc but i KNOW there will be loads of charges there also other sis in law who is being hammered by £50 charges often what i find is strange is the fact that in the last week i have rang one has said she is in line with the court order imposed at £9 per month above the contractual £199.99 per month and the other said she is in arrears to the tune of £400+ she was on a payment plan although in default according to phone call 2 she was in default according to number 1 however when i asked in line with the court order they said in default by 40p so we promptly paid £1 on her credit file last time she defaulted was may they just tried to add councellor fees on but i cancelled this she has recently been treated for mental health issues and has been told to get letter from gp which we have requested and will forward a copy to them in the first instance i am going to sar on behalf of the two SIL's wish me luck i will update as we go along here

Hi guys, I'm just trying to get a bit of advice for a friend of mine who's mother has recently passed away. He has lived with his mother all his life and has been her carer for the past few years. The house they live in was left in trust by his grandmother, his mother and one brother were named as trustees. The house was left for his mother to live in as long as she wanted, after this the will states that if the house is to be sold the monies are to be divided equally between all four of her children, or her children's children if their parents are deceased also. As it stands there is one surviving sibling, but both siblings that were named as trustees are now deceased. Two of the deceased siblings both had two children, my friend is the only son of the other sibling. The questions that I have are: 1, If the will was to be dealt with by the trustees are the siblings of the trustees now the ones responsible as the last remaining son was not named in the will as a trustee, only mentioned as to he should get a share of the estate. This son thinks that he should be the one to deal with it, but is this legally the case? 2, My friend is still living in the house it has been his family home for around 20 years, and he is entitled to a quarter share of the house as stated in the will. His remaining uncle is keen to force him out and sell the house. My friend wants to continue living in the house but where does he stand legally? Thanks

Hi, not sure whether this is in the right area.... My friend invested a third into purchasing a property with another couple. For a while they rented out the house and shared the income. The house was refurbished and put on the market for sale. The house sold with completion last month. She was hoping for her "share" this month, however the couple have stated that her money will only be available in April after his accounts has been finalized, income tax for the year. I assume he his self employed. From what she tells me, it seems she will be penalized for his tax deductions ? - which i find strange. He also stated that her name isn't on the deeds,being part of the reason he says?, however she has a signed declaration of any share. thanks, any advice grateful