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  1. Morning, I have two unpaid council tax bills from 2008 and 2009 that Rossendales are chasing. I have been making small weekly payments each week direct to the council. I sent Rossendales a notice of implied rights of access by recorded delivery. They sent a reply that worries me and need advice on what to do next. They say they will be enforcing two liability orders against me from the years above. They say they are proof of my lawful obligation to pay council tax. It says the orders enable a certified baliff to act for the council to levy distress. Says recovery action can result in improsement through the courts. Lastly they say they have peaceful right of entry what i do know but the liability order maybe residing on assets and will supersede the notice of removal of implied rights of access. Trawled through forums but can not find the answer to the implied rights of access being over ruled. To add it is my partners property and everything is in her name. Some advice would be great.
  2. Hi Many months ago I booked a holiday to Crete with Directline Holdays. At the time of booking I asked that flights ( with Monarch) include special assistance for me.I later increased holiday length from 7 to 10 days,paid extra , confirmed with Monarch special assistance booked as I could not walk distances or use stairs ( this was shown on tickets). When I arrived in Crete ( 10pm at night) at hotel there were approx 40 steps to reception. It was built on a hillside with steep paths to car parking area etc. No way could I cope with that.I have COPD among other problems Booked into another hotel and stayed there which cost me 200 euros a night and had a perfect holiday. I contacted Direct Line by email and was sent a copy of my booking tape which they said showed I didn't specify I was disabled, and the Resolution Coordinator - good title!said it was my problem and she had made notes on the file. I asked that notes and copies of all paperwork be sent to me ready for my return. I have received nothing yet.I returned last week. What are my options? I haven't asked for anything yet, but feel that I should pursue this matter to aviod the same thing happening to someone else who is more severely disabled than I am. Many thanks Benji
  3. 16 years ago I built an extension and formed a driveway into my property (all with relevant planning/building warrants). What I never got around to was dropping the kerb to form a "suitably" constructed crossing. Yesterday I recieved a letter from the council stating it had been brought to their attention that a vehicle is being driven across the footway in front of my property and that if I intend to use it to park my car in my property then I will have to construct a suitable crossing. Aside from a cost of around £1500 I would also have to lower an 8ft wall to 1 metre, 20 feet in length reducing my privacy significantly. Not one time in 16 years have I had an incident and the only damage that may have occured is to my own vehicle bumping it up and down a shallow kerb. Is there anything I could do in this situation? Thanks for any guidance. Ian in Scotland
  4. I just signed up some forms down the job centre the other day to start on this scheme for starting up my own business. Runs for three months and you get assistance from these guys, meanwhile your JSA is still paid. http://www.access-partnership.co.uk/ Initially I asked about going onto working tax credits and they referred me to this place, who I met with. They then told me I couldn't join up for another few weeks because i recently finished working, then they pulled out this list of postcodes- The Scottish Index of Multiple Deprivation. Turned out that because I was on it I could then circumvent the rules and get onto this scheme straight away. So i went in and signed all the paper work and was all ready to go. Now today I receive an email from Access saying that it turns out their list of SIMD was out of date and I may no actually be eligible just yet. I'm being told now I have to wait until Monday to find out! I'm seriously fed up with this now and tempted to just tell them to forget the whole deal. I told them I want an answer today or the deal is off. They should have known this at the job centre from the start, and the guy who signed me up from it from Access should have had an up to date list! If I have already signed the paper work is that a done deal? Can they pull out of it now? It's just one thing after another with that place these days.
  5. i keep on getting mithered to tick the access box on universal web site,so the adviser can see what i am doing,but i always refuse saying i like to keep my privacy. but what if i tick the box before i go to sign on.so the adviser can view it that day, then untick it when i get home,so the cant send me unwanted jobs ,would this be allowed,
  6. New Subject Access Code of Practice The ICO has published its new Subject Access Code of Practice. During 2012/13 the ICO received more complaints about subject access requests than any other topic, with over 6,000 complaints handled during this period. One in six of these complaints related to the financial sector, while one in ten related to the health sector. A link to the new Code of Practice is below: . http://www.ico.org.uk/~/media/documents/library/Data_Protection/Detailed_specialist_guides/subject-access-code-of-practice.PDF
  7. Hi Scaffold help and advice needed please! I live in 1st floor flat of a converted Edwardian townhouse in london. The freeholders own the ground floor garden flat. They just bought the freehold from a property company. I have Council planning permission for a loft conversion and also permission from the previous freeholders to carry out the work (granted before they sold it). This written permission lasts until November, 2013. The freeholders downstairs dont' want me to carry out the work and have made it clear they will not allow access to erect scaffold in their garden, which is required for the build. I have checked the lease and it states: "The right for the Tenant with or without workmen and others at all reasonable times on giving reasonable and prior notice or at any time without notice in case of emergency to enter upon the other maisonette for the purpose of repairing rebuilding cleansing maintaining altering replacing and renewing: a)Any part of the demised premises which is otherwise inaccessible; ... I have been neighbourly and helpful and tried to give the guys downstairs all the information and advice and help I can give, including assuring them any scaffold will not affect access or use of their garden. There will merely be 4 scaffold poles up against the fence. Where do I stand on this? What can i do? I've been told they legally need to grant access and I could get a Court Order, which I really don't want to do. I have to live upstairs form them, so want to try and remain civil. Any ideas? Thanks so much
  8. Hi, I've had a look around the forums and can't quite find the answer to my question, so I thought I'd post here to see if anyone has some advice on what I should do. Last week I returned my ESA50 for my conversion from IB to ESA. It was damn hard work filling it in, i had help and we wrote pages of supporting information etc, with specialist medical evidence. I've had a relapse in my illness which means I have completely lost the past 10 days due to post-exertion fatigue. I was hoping that I would be one of the lucky ones and avoid the dreaded medical, but it wasn't to be. I got my appointment through for an afternoon, 14 days from receipt of the letter. Why do I have a problem? I have mobility issues and having been to my closest centre (A) before, which is approximately 20 miles away, I specifically requested 3 times, on my ESA50, on the attached pages of notes and in a separate covering letter not to goto centre (A) and I specifically requested centre (B) which is 8 miles further away from my home address. I made sure I was specific in my explanation that centre (A) is inaccessible with no drop off point, and that centre (B) I could be dropped off outside. I explained mobility issues upfront and yet this has been ignored. Also I requested a recorded assessment (again on all 3 documents) and there is no mention on the appointment I have received that this has been granted. I also have issues on the telephone, so I have requested for postal contact only, unless when discussing an appointment and I gave a friends number for them to specifically call. Of course there was no call. Having read around, there is clearly no reading of any of the literature I sent! I should have known better really. What can I do? I don't want centre (A) as I cannot be dropped off outside, and attending there will be detrimental to my health. I also want the assessment recorded, do I or my friend have to call to confirm this and try to change the centre. Or doi wait until Monday (earliest opportunity) to post copies of 'centre b' requests to DWP or ATOS? To ensure there is a paper trail? What happens if I turned up to the appointment and there was no recording equipment? Do I have to participate? Stressed is an understatement! Thanks Me_too
  9. I would really appreciate any help or advice you can give me on this. I have an issue with an ex partner. No kids just an agreement that over a joint property. Basics are that she was paid a collosal amount of money nearly 10 years ago but a further payment was due some years ago. Unfortunately as we all know there's been a global recession and the house property that I live (and is the focus of this issue) has dropped significantly and it worth barely more than the mortgage that's on it. ( The high mortgage is because of the large sum that I initially paid her) so I simply don't have the money to pay her nor any ability to borrow it Over the last few years various negotiations and offers of a smaller settlement (as well as I had been paying her a reasonable amount every month) have failed and she had applied a CCJ against me personal for £150k and a charge against my house. This recently escalated in her instructing a debt collections agency (The Sheriffs Office) to try and seize goods from me (She's now looking for £210k inc interest) Bailiffs turned up with a Form 55 - Notice of seizure a few weeks back. I was already clued up and didn't let them in and the only vehicles i have use of are owed by other people. They've since revisited when I wasn't here. My question relates to can they access private land ? More details. I live 2 miles into a private farming estate. Private Road. No access etc. And I live in a small area that's shared between several over properties and access is via a gate and communal driveway. Firstly can they just come into the area ? Secondly we've all talked about putting an electric gate in place. If this happens - can the bailiffs can access or bluff their way in. I guess I'm asking - is there any point in putting up a security gate ? 0f course my main objective is to find some way of paying off something so that this matter is finally resolved but the constant worry about "the thugs" that they sent round is making me ill ! Any advice would be very much appreciated - thanks
  10. HOW TO REQUEST YOUR PERSONAL INFORMATION GUIDESubject access request) INFORMATION COMMISSIONER OFFICE (ICO) From this Link: http://www.ico.org.uk/for_the_public/personal_information
  11. HOW TO ACCESS INFORMATION FROM A PUBLIC BODY GUIDE INFORMATION COMMISSIONER OFFICE (ICO) This is the Link: http://www.ico.org.uk/for_the_public/official_information
  12. HOW TO ACCESS INFORMATION FROM A PUBLIC BODY GUIDE INFORMATION COMMISSIONER OFFICE (ICO) This is the Link: http://www.ico.org.uk/for_the_public/official_information
  13. Engaged solutions apparently bought pound access loan book but, They have only a licence for credit brokerage, so i am pretty sure even if they have the loan book , the debts are still under pound access, and as they are only a broker they don't have the correct category for debt collecting, if i am wrong please tell me, will ring oft tomorrow to confirm. Licence Number:0651832 Licence Status:Current Current Applicant / Licensee: Business Name Company Registration Number Engaged Solutions Limited 08047869 Categories: Credit brokerage ht To Canvass Off Trade Premises:No
  14. Hi, i have a question regarding the baliffs right to enter. I have a 23 year old wayward son, who has accumilated £1400.00 of unpaid fines. It would appear that he has given our home address as his home address. He has never lived at this address, nor did he live at our last address. we recieved letters from marstons to start with, i replied, they replied and asked me to send them my council tax bill to prove he didnt live here. i said NO, my council tax bill is none of your business. A few weeks later a knock on the door, 2 guys from marstons turn up wanting to come in a see my son, he doesnt live here i replied, we need to come in and confirm that they said. I replied FO and they did, never to be heard of again ( so far ) that was about 2 months ago. i have now received paperwork from a company called Collectica, telling me that they will be forcing entry to my property under the DVCV act. Do they have the right to enter if the debtor does not live at the address and who's job is it to prove he doesnt live there.
  15. FYI I've just entered into IVA and one of my creditors was Pound Access. I've been recieving an awful lot of emails of them telling me that they're issuing a CCJ and passing my debt on to a 3rd party so I decided to call them to advise them that I was in an IVA and that they were legally bound to the terms, only to be told by the woman who answered the phone that Pound Access had gone into liquidation.
  16. I have been made bankrupt in my absence,having never had an SD,Petition,or declaration of bankruptcy served. Having discovered my status,due to a bank account being frozen,& being unable make a payment, I read a few "Bankrupt " tales on CAG where people had'nt been served & they suggested a starting point would be to go to the court where you were declared bankrupt & ask to see ALL the court papers relating to your case as the "litigant in person. I did this & the clerk said she couldnt let me see them without permission from a Judge, I wrote a note outlining my request, & was told it would be given to him when the opportunity arose. I called back to the court later the same day, to be told I could not see them & the matter would be dealt with later this month when I must attend court over the frozen bank account. How do I proceed to put together an application for anullment on proceedural grounds without these papers (or copies) & is it possible for me to insist on seeing them. How do I gain access to the papers
  17. Thanks in advance for any insight here... Background: I live in top floor flat with ONLY loft access possible through my entry way in my private flat. My landlord runs and owns business in ground floor. My landlord has, in the past, stored item in the loft, accessing them through my flat's entry way. Issue 1: Today landlord emails me to say "We will be updating the loft and builders will be accessing the space through your flat for 5 to 8 days." I am not comfortable with complete strangers traipsing through my flat for 8 days, and I only have 1 weeks notice. Questions: a) is this legal? b) do I have any rights? c) if it is legal, what is the required amount of time a land lord should give? Issue 2: Landlord provided 1 weeks notice before scaffolding was put in place over entire building. Despite my renter right to "live undisturbed" this is not happening as people argue outside my bedroom window at 8am in languages I don't speak. Questions: d) what is the legal amount of time a landlord must give to tenants before works like this happen? Many thanx! I have found slightly similar thread here, though not the same issue: 301953-help-with-landlord-dispute (I may not post as link since I'm a new member:)
  18. Hi Everyone, I'm new to this area of the forum but have received invaluable help from the debt section. I think I need some professional advice. Can anyone recommend a reasonably priced employment lawyer? I have been off sick for around 6 months. Work's policy is to provide 2 years sick pay. However they have now started discussing my 'capabilities' and have mooted the idea that my contract could be terminated. I'm fairly confident that my condition (CFS) is covered by DDA, and I could pursue them for discrimination, wrongful dismissal and unfair dismissal. However I want to get some professional insight and discuss my options before proceeding. Thanks for any recommendations you can provide!
  19. A NOTORIOUS car clamper who racially abused a man is the boss of a new parking enforcement firm in East Yorkshire. Despite having a criminal conviction, the Mail can reveal Peter Del Grosso could have access to the DVLA database, meaning he can find out the names and addresses of drivers he fines. Del Grosso, who is no longer clamping, became director of a new company, Auto Security Limited, three months ago – around the same time wheel-clamping was outlawed in England. Auto Security Ltd is a member of the British Parking Association (BPA), which would allow Del Grosso access to records kept by the DVLA. http://www.thisishullandeastriding.co.uk/Convicted-clamper-Del-Grosso-access-DVLA-database/story-18076684-detail/story.html
  20. Unfortunately i have had the need to see my medical records. I have got the feeling that the GP surgery wasnt exactly impressed at that, but had already tried, however limited , to try to help with my request for help for what has previously been disscussed with me. I blame this on my bad memory and generally being confused. Luckily i had visited the NHS choices website and learned if my records had been accessed in the last 40 days i could see them for no charge. I wonder if there is a time limit when seeing my records? Does seeing mean i get to read them or have them read to me? There is a lingering feeling that they may 'sanatise' the records. I realise they can 'hide' serious things that can damage my health or mental state. I have interpreted that serious would be like 'patient has 6 months to live' or a serious condition thats been diagnosed but not been informed of. I think comments like patient is a waste of time should be left in. I should be able to ask if any information has been withheld? I would love to have the ability to be able not to go through this, but life wasnt supposed to be easy
  21. Urgent advice required on this one please, as part of a local rejuvenation scheme run by the local council our landlord has signed up to have the boiler replaced at our property as well as having the outer walls insulated. I don’t know the exact details as everything is discussed between the landlord and council but for the past four months we’ve had scaffolding and builders outside the house working on the walls and it has all been so noisy and messy with drink cans and food wrappers in addition to the usual mess. Today (on the rare occasion I have time off work due to snow) one of the builders tells me that they’ll need to come inside the house to work on the boiler for at least four days from Monday. I told him that four days seemed a bit excessive and I can not guarantee that I’ll be able to get that much leave from work at such short notice but his attitude was tough luck and that they’ll come in whether I like it or not. So if neither my wife or I are able to get time off work, and I certainly don’t like the idea of just handing over the keys (landlord does not have any himself) to a group of builders, where do I stand? As the current boiler is working fine I don’t consider this to be essential but after all the time we’ve had off over Christmas and New Year I wish they could have done it then.
  22. Hello - Please can anyone advise how to access a will which is sat in a solicitors office and not probated. My grandmother died in 2001, her will never went to probate, i checked with the probate office. I dont know who the executor is, I wrote to the solicitors in the town where she lived and found the one who holds her will, they will not let me access it or tell me who the executor is. When my grandmother died she had a 2nd husband and 3 children from her first marriage. My father died a couple of years ago and i sent proof to the solicitors who hold the will of my grandma to say he had died and asked if dad was executor, they would not tell me. My grandmothers 2nd husband disowned the entire family the day she died and will not talk to me. I was lead to beleive the will said that their home was to be given to my father upon my grandmothers 2nd husbands death. How can i ever get access to the will or find out who was supposed to be executor?
  23. Hello, I live in a small block of four flats, each of which faces a small communal hallway with a single shared door onto the street. We all have the same landlord, who owns the freehold on the building. One of my neighbours appears to use their flat as a second home, and post stacks up for a few weeks at a time, after which they only return for a single night. They also appear to owe a year's council tax and baillifs appeared today to try and recover the debt, but did not get past the communal door. Regarding the bailiffs: Do the bailiffs have a right to force entry on our communal flat block door? Do I have a duty to let them into the communal area? Does my landlord have a duty to allow them access to their flat? Obviously it may be in the landlords interest to do so, to minimise damage. Thanks
  24. PLEASE HELP ME , i had a ccj against me in 2006 for £17.5k and with interest plus court costs it came to about £21k i was told to pay £40 per month but then i got made redundant i could not keep up payments i panicked and did a runner {I know i could go to prison} - no you cant!! i got a letter from HL Solicitors acting on behalf of Lloyds TSB who said fill in attachment of earnings order and make an offer of repayment or they will enforce the suspended attachment of earnings which was £40. My question is can i go back to the district Judge and ask him to lower it again or even write the debt off as i only work part time doing 2 shifts a week, £40PCM does not even cover the interest on this the debt is growing by at least £100 and i cannot physically do anything about it, Please advise me what to do my fellow caggers.
  25. I know the topic of meter access has been covered but my situation is a little unique and I'm at a complete loss. When I first moved in to this apartment I had noticed that just as I was signing the lease and itinerary that meter keys would not be included... I asked then in my confusion, but was blown off as something normal by my (now former) letting agent and everything progressed as such. My first snag happened as I was setting up my power, I was provided with an estimate to which I would pay until I got my initial meter readings and the current ones at the time I was setting up the new account, I phoned the letting agent to request the initial readings and was told back I should have received them when signing over the lease. They told me they would send another copy of these... they never arrived. Since then it's been a mater of constant estimated bills and no response from that letting agent. The management company will only take notice of faults to the communal facilities, stating that all matters relating to individual flats need to be directed to the landlords or letting agents... ...though there was one instance according to my bills that Scottish Power (my supplier) managed to get hold of my meter readings and increased the charge... it wasn't much so I wasn't that phased by it, but there it was. I still wonder how to this day. Anyway, back to the main problem... As of recently the said letting agent quite silently (with massive amounts of suspicious fraudulence) went bankrupt and liquidated, a few months passed, the agent was switched, and the new agent doesn't know anything at all in regards to the property management or it's meter access, I finally got to talk to my landlord for the first time in 2 years of living here, only to find she's rather stressed out from loss of rent, loss of deposits for pretty much all tenets and she also didn't know about property management OR it's meter readings... ...And just in time when all this is happening I get contacted once again by Scottish Power, asking for them and wanting to send someone to take them themselves. Long story short, I now have a letter from Scottish Power almost demanding meter readings since they couldn't get access, and all persons involved with the property at a loss of what to do (and my landlord is a few hours away by car in another city, so it's not really that easy to involve her directly), and the only people that do are out of the question. I honestly don't currently mind the estimates, they don't break the bank, and would be willing to leave it as is... So what are my options? M.
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