Hi, some time ago we had notification that the housing association who own the house next door were going to remove the existing single dropped kerb between our properties and "give it to next door". I have downloaded a deed plan and property register of my property and the boundry puts the joint access on the housing associations side but the register states A: Property Register This register describes the land and estate comprised in the title. 1 (15.01.2001) The Freehold land shown edged with red on the plan of the above Title filed at the Registry and being (the propertY. 2 (15.01.2001) The Conveyance dated 4 January 2001 referred to in the Charges Register was made pursuant to Part V of the Housing Act 1985 and the land has the benefit of and is subject to such easements as are granted and reserved in the said Deed and the easements and rights specified in paragraph 2 of Schedule 6 of the said Act. 3 (15.01.2001) The Conveyance dated 4 January 2001 referred to above contains provisions as to light or air and boundary structures. Looking at he section of the act it seems to say that I am entitled to the same rights of use I had as when I was a tenant of the local authority. Would this include the dropped kirb and can it be taken away without application to the land registry to alter the deeds of my property.

I'm writing on behalf of my partner who took out a loan with Minicredit 2012/2013. After receiving all the usual threatening letters and the ridiculous charges that was added by Minicredit/OPOS, he set up a DMP with Step Change giving the outstanding balance of the debt at approx £700+. Now, having read these forums it is very clear that the charges added are unenforceable. He emailed OPOS asking for an up to date balance and a full break down of the debt. The reply.. Balance : £240.33 Principal : £100 Interest : £85.00 Penalty 1 : £25.00 Penalty 2 : £55.00 Attempt Fee : £380.00 Debt Collection Fee : £100 I believe I am correct in stating that only the principal loan, the one months interest and a single penalty fee is what is actually owed which would equal £210. He has already paid to date £58.87 through his DMP so therefore he owes £151.13 now. I have no idea where the £240.33 has come from, probably Derek falling on his calculator? Am I correct? How on earth do I go about getting OPOS to remove the unenforceable charges? An email template would be perfect.

Hi there, I have read some useful posts here, therefore, i followed the instruction and sent Vodafone an email already regarding my problem. basically, something happened 5 years ago with Vodafone, (after yesterday lots of conversation with vodafone customer services, online chat, according to the customer services, there was early termination fee imposed on my account, but i have been moving around of course, didn't receive any letters from Vodafone to say the outstanding balance and so on, so it has been overlooked.) Now, i am applying mortgage to buy my first home, i checked my credit report with Experian and Equifax, everything is fine. but my mortgage in principle with Barclay has been declined, due to a default, and my broker asks me to run a credit check with Call credit, which i did, and then I just realize i have a default with Vodafone on my credit report from Call Credit. the default started from 2009 Aug, it is already more than 5 years, but i can't just wait until Aug 2015 to apply a mortgage. after yesterday many conversation with different people from Vodafone, i have cleared the outstanding balance with my account with Vodafone. i know once this goes through, it will show satisfied in my credit report and so on. However, it will still look no good when i apply mortgage. I can see Lee from Vodafone has been really helpful in here, I am just wondering if Lee can look into my case, i can provide my account number and everything, and as a gesture of goodwill, the default can be removed from my account. I look forward to hearing any suggestion and advice. Many thanks Sisi

Today my wife received a package from Drydens with a copy of an application to remove a stay and proceed in court. It was stayed on the 28th Dec 2013 after they never came back to court following sending our defence. Brief outline wife got cancer credit card unhelpful when couldn't pay so didn't pay. Sygma bank wouldn't supply information asked for and issued default. drydens also wouldn't supply info but eventually supplied copy of agreement which we noticed although signed by my wife it was unsigned by the bank. I am defending the case under POA as my wife is still having treatment and is suffering from depression. We were defending on the agreement unsigned by the bank and not being supplied with evidence of the debt. Today I noticed the copy of the default notice drydens enclosed is different to the actual default notice we received. They are even dated 2 days apart. Also does a default notice have to tell you the outstanding balance?. I have attached both notices.

Hello everyone, So, back to those reputable lovable rogues Lowell Portfolio.. In September 2011 I obtained my partners Equifax report which showed a debt to Lowell Portfolio 1 for £341.44, dated 10/09/2008, defaulted 21/11/09. OH didnt recognise the debt, Equifax told us it originated from O2. OH contacted O2 by phone on 6th September 2011 to be told they told they could not find any reference for the debt and his ‘normal’ O2 account was completely up to date and always paid on time. They referred me back to Lowell. I then sent a letter to Lowell requesting the original consumer credit agreement. They replied on 8th June 2012 to tell me that “Following investigations we have concluded that the debt is not linked to you. As such we have removed your personal details from our database”. They refunded me the statutory fee. I have this evidentiary letter. I then spoke to Equifax to have the entry removed and Lowell (via Equifax) informed me that only O2 could remove the “incorrect link”. Basically they ech blamed each other. Equifax will not act without theirs or O2s instruction. At the same time I obtained my credit report from Callcredit. There was, as of 15th June 2012, no entry relating to any default whatsoever. Its still to this date not on Experian. We assumed it would go with the deletion of the OHs details from Lowells database. But when we went for a mortgage a few weeks ago, we were refused on the basis of this unsettled debt. We appealed but they wouldnt have it; whilst the debt is still on there they wont look at us regardless of whatever evidence we have. To make matters worse, Lowell have searched the OHs Callcredit file back in October this year, even though the debt was not listed there at the time of their promise to remove his details. Clearly as a last ditch attempt to keep the (now statute barred) debt alive. They have also searched Experian, but not listed the debt. Never any contact with him directly I might add. Surely, in light of the letter stating the debt is not his, we have some legal right of redress to force them to remove the entry and cease the unwarranted searches on his credit file? Any ideas on what to do? I dont want to have to wait a year for this to expire from his file when they cant prove it was his in the first place. I would instruct a solicitor if I thought it would scare them, but they dont seem to behave in a way that would respond to it. As horrendous as this may sound to some, I'd pay it if they agreed to remove the default completely but I doubt they would consider that either! Thanks in advance for your input. Ry

I am writing on behalf of an elderly 80-year-old, seen your Forums in the past, and hoping you might be able to give me some advice on his behalf. Mr B was given a PCN by Kingston Council for driving in a bus lane. He has had several periods in hospital, and therefore the matter has now been processed to bailiffs, Collect Services, who have now called twice at his property (despite being advised he is a vulnerable person). A complaint was made to Collect and a copy of their complaints procedure requested. No response has been received from that, and a complaint has been lodged with CIVEA, but he has today received the letter below, which has caused him great distress "Dear XXXX XXXX Due to your failure to settle this unpaid Penalty Charge Notice(s) your vehicle has now been included on our outstanding pcn ANPR database. In the event we LOCATE your vehicle it will be REMOVED and taken to auction without any further warning. Additional costs of £xxx.xx will be incurred plus auctioneers costs." The car is his sole means of getting around (he can barely walk a few yards) and displays a blue badge registered in his name. I had always believed (and indeed have seen on the Citizens Advice Website) that a car displaying a blue badge and for the use of a disabled person cannot be taken by bailiffs. Is this correct. If so what steps should now be taken. The car is in his driveway (he has no garaging facilities or anywhere else he can leave the car) and he is quite upset that these people (who have already been very aggressive with a carer who answered the door for him). Can they take this car with the blue badge? Should we write to them? Is there legislation we need to quote? Any help would be much appreciated. He cannot afford the amount they are requesting (now over or near£600), and these bailiffs seem to think they can just walk roughshod over whatever regulations are in place to help vulnerable people like him.

Hello, I made myself Bankrupt in April this year (2014) and at the same time one of my creditors served me with a CCJ, as i am bankrupt i know i can write to the creditor and ask them to write to the court to have the CCJ marked as settled, but i am not sure how to word it, any suggestions? Thank you

Hi I have red trough the forums and hope to find a solution. In summer 2012 I had a major surgery and was in an out hospital. Being alone I missed some payments to EON. I have tried to ask them as a gesture of good will and was prepared to send them proof of my surgery. They replied politely that the snwer is now they will not remove the 2 late markers from the equifax file. I am however confused as the account was in order prior to June 2012 there were no records from EON on equifax at all. The moment the payment was late they placed the red mark. Also I remember seeing a letter when I was out of hospital in the autumn advising that a default was going to be recorded and by than the debt was settled. So all the months before June 2012 when payments were made were not recorded in green and than they start with a red mark? That does not seem right to me. From my understanding I will have to cancel my contract with them in writing, move to a different supplier and than argue with equifax to remove the late markers? Any advise much appreciated. EON has made it clear they will not remove them and I am now getting declined for mortgages I apply for. Anything else on my file is good.

I have recently had a Set-Aside Application granted. I now need to remove the CCJ from my credit file. I have been advised to either obtain a certificate of cancellation from the court to send to Equifax, Experian and Call Credit or Send the Order to Set-Aside the Judgment the aforementioned credit reference agencies, is this correct? Are these the only three agencies? It seems all to easy for a creditor to be granted a Default Judgment and subsequent CCJ and when it transpires that the incorrect address and amounts are used and the Judgment is Set-Asided, it seems impossible or extremely hard work to have the CCJ removed and your credit file, in essence indemnified. Is there a way to return the credit file to its former glory of 999 as simply as it was obtained?

Hello Here goes first time using this... I am in desperate need of some advice and help. I have taken this matter to the Ombudsman however it seems like their not able to do anything either. Can any one help I have copied the letter to ombudsman below and if you wish to see their reply i can also share that. In 2007 I took out a credit card with Abbey and I used it and made regular on time payments, however in the March 2008 I started to receive double statements. One statement was the usual red and white A5 statement with the normal re-payment method and the other was an A4 black and white statement informing me to pay into a different account. I went in to my Oxford branch and showed these statements to them. The adviser said to me there must be some error and I should not have received them. He took these statements and said he would destroy them and make an entry on my file. The next week I received another Black and White statement asking me to make payment, the statement I received was accurate as it knew my details and it showed how much I had spent and how much I needed to repay. I contacted Abbey and they put me through to the fraud department explaining me that I must not use my card, hand in the statements to my local branch and that they were going to freeze my account so they could investigate the issue. I did as instructed. In December 2010 I received a letter from a third party debt collector demanding full repayment of my outstanding balance. I explained that Abbey was investigating the problem they said to me to take it up with Abbey, so I did. I called abbey they said that the case was forwarded to the agency. I asked if my issue had been resolved and the outcome of the investigation. They informed me somebody from the fraud department would call me. I called the agency and paid the outstanding balance, however to this date I have not received a call from the frauds team. In Jan 2013 I applied for a mortgage; however I was declined due to a default on my credit history. I was advised by my financial adviser to ring Abbey and inquire why there was this default from them. On Tuesday 29 Jan 2013 12:45pm approximately, I called Abbey customer services and explained to them my situation and what had happened. The lady informed me that due to the account being closed there was no way to confirm who I was, so I must take identification into my nearest branch and call back once they have confirmed my identity. I did so and called from Nottingham city centre branch. The lady I spoke to understood my issue, confirmed with her Manager and informed me that they would to remove the default; however this would take up to 10 working days. She assured me that she had spoken to her manager and he has confirmed he would do this as soon as he can. I explained that I was in an urgent situation as I had found a house that I wanted to buy, however it was my mortgage that was on hold due to this default. She assured me after I asked her several times that would the default be removed so I can continue with my mortgage application she again reassured me that her manager has said he would do it but the change comes into effect after 10 days. On Friday 8th Feb 1pm I called and spoke to Shaks. I told him about my issue and about my previous conversation and what they promised to do. He could not find any record of my conversation despite the fact that an entry was made that I was asked to visit a branch and show identification. He emailed his manager explaining the situation and took my number and email address so he could call back and email me. Within an hour he called back with good news saying he has had an email from his manager saying that they would work to solve this problem and would remove the default and would send me a confirming email and this would be done in 5 working days. On Friday 15th of Feb I called back and asked if there was any progress, there was no record of my conversation and no notes on the system I again explained my situation and the lady assured me that she would have this matter resolved and after speaking to her manager she said that it would change by the end of the month. I asked that my complain be logged and I requested top have a copy of all my conversations with abbey, which she said she would send. I am still waiting for those transcripts and the complain department to call me back. Since then I have rang several times and I have a list of these times also. I am utterly disappointed and frustrated with the service provided the lack of fulfilling agreements and promises. I am in the process of seeking legal advice, however I want to know what you intend to do to resolve this issue. Satander replied in writing saying they were right in Defaulting account and even suggested I was aggressive towards a clerk whilst calling - I am a minister I don't do aggressive- I forwarded complaint to ombudsman and they said that Santander were justified as I had not been making on time payments - when I was under the impression that the account was frozen - didn't address the phone calls that I had made and advisers telling me that it would be done. I asked for these phone call conversations but they didn't send. What should I do. My kids have out grown our rented accommodation and I am in a position to buy, Abbey/santander have already caused me to loose one that was perfectly ideal for us. Thank you

I am trying to get a default removed from my credit file in relation to a Abbey/Santander loan. In December 2006 i applied for a £10k loan over 5 years in the bank with Abbey but never got a confirmed answer so a week later i applied with Tesco and was accepted. Just after i got the money from Tesco, Abbey approved the loan and paid the money into my Cahoot account. I contacted Abbey within the cooling off period to arrange paying the loan back and they told me to send a cheque to clear the loan. Due to the amount of the loan i was advised to send 2 cheques to stop any problems with a large amount. I phoned Abbey towards the end of January 2009 after i had sent them the cheques to confirm receipt as i wanted to ensure everything was sorted before i was due to go to Afghanistan, and i was told they had received them and the account was now closed. I was contacted by my wife a month later informing me i had received a letter from Abbey saying the cheque had been returned unpaid from Cahoot. I contacted Cahoot to find out why the cheques had been returned but they could not find any records of the cheques being presented let alone being returned. I wrote to Abbey explaining what Cahoot had said. I asked them to return the so called returned cheques and also asking for another option to pay the full amount as the suggestions of how to pay in the letter they sent were not an option as i did not have a bank or savings account with Abbey and obviously using a cheque did not work the 1st time. I also advised that i would not make any payment until the cheques were returned to myself to ensure that the so called returned cheques were not re-presented for payment. To this day i have never received a letter in response to my letter and requests. In October 2009 i moved house. The first thing i had any correspondence to do with this loan was in July 2011 when i received a letter from Moorcroft attempting to recover the full £10k plus the interest of what i was meant to pay for having the loan over 5 years. The total was just over £14k. As they didn't care about the fact that i had tried to pay the loan off at the beginning the only option i had was to pay them the full amount, so i entered into a payment plan to start paying it off. In December 2013 i made a full and final payment of the outstanding balance and the loan is now paid off. On examining my credit report i see that a a 6 month late maker was raised in June & July 2011 and a default was raised against in the loan in August 2011, yet for every month from the start of the loan in January 2009 up to June 2011 all the makers show payments are up to date even though i had never made one payment. I am now in the process of trying to get the default removed from my file and i am hoping i can get some advice and assistance in this matter. I have sent off a letter to Santander complaints using the example shown on http://www.learnmoney.co.uk/credit-file/remove_default_notice.html and got a reply saying they have requested a copy of the signed loan agreement along with a statement of the account and these will arrive shortly under separate cover. In relation to the default notice they can see that the notice was issued on the 15th June 2011 and 16th June 2011 and the default was registered on the 14th July 2011. Unfortunately they are unable to provide a certified copy of the default notice as is not something that is held on file. After investigation they confirm the default is valid and correct and therefore unable to uphold my complaint. Is it worth me still trying to pursue getting the default removed and if yes any ideas on what to write in a response? Any help appreciated.

Hi, This is a strange issue and I just wondered if anyone else has similar issues. About 8 weeks ago started process to move providers. Nothing on my meter suggests it is economy 7, however current provider has been charging economy 7. There are no heaters etc in the house to warrant economy 7. It has gas radiators which have been here some considerable time, however I only moved in 2 years ago (rented). Tariffs move to EDF blue, as of mid November. Get a letter today stating meter is economy 7. Call up to be told meter must be replaced if wanting another tariff. Meanwhile you Are on economy 7 tariff. Surely as this is an EDF fitted meter, this should have flagged up before now? I now cant do anything until have been a customer for 28 days, call back after a month and then 2-3 week wait to replace meter. Now here's the interesting part: The meter is an EDF meter, fitted in 2009 (fully dated etc). There are 3 reading: 0 total 1 night 2 day There is a sticker on the front which shows 1 = night There is nothing to state it is an economy 7 meter The DEFAULT display shows TOTAL I explained to EDF, why go though the cost, time and effort to replace the meter which ALREADY shows the correct information? If I were to remain on economy 7, the meter reader would need to scroll past total reading to get to night and day readings? "it's our policy"!!!!!! So EDF want to replace a perfectly working meter, which shows the total electricty consumption as the default display because they state it is an economy 7 meter. And charge me more in the meantime! Anybody know who I can escalate this too. Customer services = rubbish. Makes me wonder why I chose EDF if they are wasting money like this unnecessarily. There is no need to change a meter whose default reading is the one required for this tariiff. Thanks

Hi there, I need help! I really hope someone gets to read this. So here is my problem... In July 2013, I received a letter from Natwest (at this point I was living in the US) advising me to pay money into my account for the unpaid overdraft I had not repaid yet. It said that 'If I dont get in touch, we may need to issue you with an Overdraft Termination Notice'. Afterwards i received no more letter from Natwest (probably because I moved to another country (Germany). So today (November 19,2013) I failed to log onto my Natwest Graduate Bank account, I was advised to contact customer service. I had already assumed that to be due to my unpaid overdraft. When I called Natwest I have been told that I will no longer be able to access my account due to an unsatisfied debt with the bank. My case was forwarded to AIC. I now have an overdraft default on my name. I have been advised to contact AIC to repay the debt. I have not yet contacted AIC. I am trying to find a way of removing the overdraft default. Can somebody please advise me on the next steps I should take? Deb T, I have red the advise you have given hungrybear and I would really appreciate your personal opinion, too. Thanks in advance, optimist22

Hi folks, Quick explanation, I am new here any advice would be great! I had a loan with HFC as a young 20yr old and was taken for a mug massively. last year HFC repaid me over £3500 in interest and compensation for ppi I did'nt know was optional. I had a loan taken in 2006 for £5000 over 5 years. I was struggling in 2007/8 and made a few payments late and did miss some payments, hence I received a Default. The crux of this is, when HFC offered me compensation I stated in the offer letter I returned I would only accept this offer if the default was removed as they has admitted the loan and ppi was miss sold I wanted to be put back in the same position as I was before I took out this loan. I even said in the letter do not repay my loan and forward me the rest of my compensation if you do not remove this from my Credit Profiles! A number of weeks later I received a few thousand and my loan was repaid and to my excitement the whole HFC folder on my experian credit report had been removed restoring my credit back to over 900+ score ( it was the only negative item on my report). The problem came earlier this year when I was turned down for a mortgage and even a different bank account, I went to equifax and callcredit and realized they had'nt removed the defaults from these CRA's. I created a notice of correction with both expecting they would be updated to my surprise they were not. I wrote to HFC and they point blank refused to remove them on the other CRA's. Even though they agreed they had adjusted one CRA they basically said tough!! The question is what should I do now, I got a mortgage through a bank that used Experian and even managed to get a Mortgage advisers job in a bank because of how clean my Experian report is, I could probably get away with not having them corrected but I hate HFC for going back on our agreement and therefore want to chaise them up!! Advise would be greatly received!!!

Hello there, I am posting this for some advice please. This morning there was a mighty knock at the door and a man built like a brick s*** house was asking for money. After my husband spoke to him (Lucky he was there) we had a chat about what had happened we are behind with our council tax payments, although to be fair i paid them every month via internet banking, as i had already spoken to them about a payment plan. I made a payment on the 26th august for £160 which i have been doing every mth, and it went as normal, however, when we were checking the statements at the end of the next mth (Sept) it showed that the money had come straight back into our account. Now i assumed that there was something maybe wrong on our account we called the council to ask if they had received the payment, and they advised that they had not, and they had now passed the debt to a bailiff and said we needed to speak to them and gave us their number to call. My husband was left with sorting this out as i work funny shifts (12hrs) and was not going to be in to do this. He called the bailiff directly, now after reading this forum i am now aware that we should not have done this but the council lady gave us the number to call. The man then said that he had to come to our house to sort out a payment plan and made an appointment to come around the next week.! i was at work so was not there to deal with the man but Steve showed up and my husband let him in (I know again from reading the forum that this was probably not the best thing to do) they sorted out a payment plan for £25 a week starting from the next week and gave him a letter with the details and what they would take if it all went pear shaped (Which it has). the 1st week hubby went to them directly and paid the 25 and has a receipt 2nd week done via phone 25 (with the dc fee goes to 28) and the 3rd wk 28 again by phone he has however and not to my knowledge missed a week (which after checking turns out to be 2!) He went to see them yesterday to ask if we can pay them monthly as it would be easier as we owed £50 and he only had £30 on him which they refused to take as it was not the full amount. Steve said that he would have to pop to the house again and coud sort something out.# Which brings us back to today Mr Big polish guy said you have missed payments and now it has been passed onto me, Steve has nothing to do with it and you need to pay £500 by Friday or we will come into your house with a locksmith and take your stuff. My husband looks like he is going to have some sort of heart attack and i don't know what to do, i have tried speaking to the council but they will not do anything as it is with the bailiffs and i have read about just paying them directly but the payments will no go as they are bouncing back. How does 50 turn into 500 in 1 day, i know my husband was stupid to miss weeks a nd we have spoken about it but it was a genuine mistake he just completely forgot. I asked him to get all of the paperwork so i can look at it and come on this forum to ask you guys. This is the paperwork i'm so sorry for the length of the post Dated 3-10-13 Notice of seizure of goods and inventory. Amount for which this distress is made Arrears due to authority £611.50 1st attendance fee £0 2nd attendance fee £0 Levy fee to scale schedule £67 Attending with a vehicle with a view to removing £200 !! (he cam in a car) Walking possession fee £11 (Again he came in a car) Close possession fee per day £0 Removal fee / where no sale takes place £22.50 Amount paid £0 URGENT ARREARS NOW DUE £1912 Now i am no Carol Vorderman but doesn't that have to add up ? Letter left today Enforcement action We attended at your property today with a view to removing your goods. You have incurred further costs as a result of the bailiffs attendance. If full payment is not IMMEDIATELY paid to our head office we will re-attend your property with a view to FORCING ENTRY AND REMOVING YOUR GOODS in accordance with the terms of the walking possession agreement. They will attend this Friday at 10 It also says If our bailiff has to re-attend you may incur further costs as a consequence of the re attendance. Please note a locksmith will also be in attendance and you will be responsible for any costs incurred as a result of our bailiff having to force entry and replace locks. Total now due £1837 where has that figure come from ??? Please help, i know what we should have done, however it has been done and i need some guidance please??

Hi all, I have had an extremely bad day. I got into Council tax arrears when my husband walked out on us ithought bills were being paid when they wasn't. long story short I set up an agreement with ross and Roberts to pay £58 by the 4th of every month. Me being stupid have always made a payment of £61.50 every month. 3 weeks before the 4th. I have never missed a payment with them. I always like to just pay my bills when the money is there so then I know they are paid and I do not have to worry. being a single mum I need to be organised and I thought I was doing ok. Anyway this morning a ross and Roberts ballief came knocking on my door demanding £160 to be paid today or they will take my stuff. he said a late payment was received. I argued this I knew I was up to date, checked my emails and theres the proof I paid it on the 6th of last month. iv been paying like this for 5 months I thought it was ok to make a payment any time between the 5th and the 4th before its due as long as it was paid before midnight 4th. I spoke and argued with the manager over the phone he Demanded £190 instead of the original £160 the ballief had slammed on me. Apparantly I cannot make a payment 3 weeks before the due date and apparently I signed a piece of paper stating that I understood this. When the ballief came back to collect the money he explained the part of the sgreement that has caught me out . "If an overpayment is received it will not be taken as payment in advance. " ok I get that, But I paid £61. 50 instead of £58. An overpayment of £2 if you take off the visa card charge they take from you. This was paid on the 6th of Aug which was due on the 4th sept. The £58 isn't an overpayment that's a payment. There is nothing in the agreement stating that I cannot pay this bill 3 weeks in advance. "if your payment is not received by the due date" doesn't this mean I can pay on any date in that month before the 4th as long as they get their payment by the 4th. anyway I have paid them the money I aint happy because I was doing so well with it making regular payments and yet still have bullies at my door. Its disgusting how they treat people how they change their charges to suit themselves how they can just demand you to get that sort of cash within hours or they will get your stuff. I wouldn't mind so much if it was a late payment or if I didn't pay but I did I have all records and reference numbers. I have always paid on the 6th of every month so I know it has been paid before the 4th of the following month. I thought I had between the 5th and the 4th to pay. Apparantly not.... payments have to be made between the 1st and 4th. I was never once told that and there is certainly nothing on the agreement that I signed that stated that. iv been doing it my way for month why now have they decided it aint right. Can they really justify their actions today. rant over .... please excuse the bad spelling.... bad day and im all worked up. Any one else had any problems with these pests or is it just me.

Hi all, I am in the process of purchasing a property. There is a parking bay outside of the property. It is an event day only bay and was only added in the last couple of months (due to the saracens moving into Copthall stadium) I have been enquiring about applying for a dropped kerb so I can put a driveway in my front garden but to "remove or relocate a parking bay" costs £2000 alone (non refundable and not guaranteed to be successful either!) That is before any of the other fees incurred when dropping the Kerb. I was wondering, since the bay was only recently put there, and is for event day restrictions only, is there any way I can appeal to the council to remove it? It is literally blocking the whole front of my property making it impossible for me to access a driveway if I were to build one. Every other property on my side of the road has a driveway and obviously it must have been a lot easier since the bays were painted. Does anyone know if there is a cheaper way to appeal to the council to remove the bay? Not sure if this makes a difference but the bay is half on the pavement and half on the road as the road is narrow. Many Thanks, QQQ

Hi All my first time here although been in debt a looong time. I have checked my credit report with Experian (CreditExpert) and found some negative information. For credit agreements, it shows a Virgin Media account at my current address from 2004. The account was suspended in 2004. I have not made any payments or acknowledged the debt since 2004 and have not been receiving any letters about the debt in the last 6 years. It shows as satisfied with £108 outstanding and almost appears as if payments are being made showing a green circle with 0 in it. That is all the negative information I have on my record. I hope to apply for a mortgage soon and wondered if this would affect my chances and what can I do to remove the item. I would have thought this should be statute barred by now and should have dropped off my credit report. Thanks for any help in advance!

Hi All, Back in 2008 my Natwest account was overdrawn by about £5 unarranged and the payment was returned I was slapped with a £28 fee which I disputed and stopped making any payment into the said account , for the next 12 months Natwest tried to take the £28 payment from my account each month and seeing as there is no money there, another charge of £28 was being added each month until about the 5th month when the account was about £ 336 in debit. in between I made 2 payments of about £120 before I eventually gave em a call and told them I will pay the money provided the charges was stopped while I bring the account up to date but I was intending to pay it bits (intention then was to spite them, foolish I know now). I said I ll make the payment in 3 go which I did, and I have been using the account till date, What I did not realise back then was an AP had been entered on my credit file without any letter to that effect as the agreement was made over the phone. Knowing what I know now and the damage to my file, I wonder if I can ask Natwest to take this off my file. Your advice will be greatly appreciated. Thanks in Advance.

Good evening Caggers, could I please run a thought past you and get some opinions. I have a charging order (restriction really) on my property and it has come to light that the party named on the restriction sold the ccj and restriction within weeks of getting it (January 2012). I have checked with the land registry and county court and they have not substituted themselves as claimants with the court and therefore the restriction has the wrong company's name on it. Would it be worth a go at having the restriction removed via the court as the company named on it no longer owns the debt and the company that do own it have not legally (via the county court) changed themselves to the claimants? All thoughts welcome.

Three parts to a saga where bailiffs are trying to remove a car that does not belong to the debtor. Amazingly the pcn was also cancelled by the la in the first place.

Hi Guys and Gals, My Grandfather sadly passed away in December. I have just looked on 192.com and have found his record. I have emailed them, but I do not have much hope. Could anyone advise me as to what my next steps are if they do not respond positively to my email sent via their website. Thanks Harry

Hi all hopefully someone on here can help me with this as it seems fully trained solicitors cant! This has stretched out now over the last 5-6 yrs so i`ll quickly try to explain the situation... Me and my Wife parted company approx 6 yrs ago - we have a joint mortgage. I left her in the house - she never paid mortgage and ended up getting notice of it being repossessed then she left the property and moved in to rented accommodation with her new partner. I decided to move back in the house as I had invested over £40k in it (deposit etc) and I managed to halt the repossession proceedings and arrange a schedule of repayments to catch up with the mortgage which is all done and back up to date now. fast forward approx 5 years... Im still in the house but her name is on the mortgage still even though she has never made any financial contribution towards it or any payments etc. She contacted me a few days ago (we actually get along ok now) to say a credit card company is threatening her with bankruptcy (shes in quite a bit of debt). This has brought to the front of my mind what would happen if she went bankrupt could they come after this house as shes on the deeds for it still? which would be ridiculous as it would mean she would be ok in her rented house with her new partner whilst I would get made homeless for her bankruptcy?? I asked a local solicitor is there any way to get her taken off the mortgage and it took them over a year to tell me basically nothing. Im self employed and have some bad debt myself so I cant re-mortgage. Basically I need to get her off the mortgage as If I drop dead shes entitled to the house and I am now living with my new other half here. Any advice? Oh and just to add - I dont think theres any equity in the house as we bought it in the height of the housing boom and thee are now a few charging orders on the property as well which will most likely knock it into negative equity.

The situation is me and my partner are looking to take on the mortgage which she at present has with her ex (they are divorced). A court consent order has been signed by him on the 8th July 2010 stating he is not entitled to any equity in the property. He has not contributed to the mortgage payments for 4 1/2 years and my partner can prove this. However his name is still on the mortgage and deeds. He is now asking for money or he wont sign the papers allowing my partner and me to remortgage. The house is not in negative equity and in principle the new mortgage company has accepted our offer. Can we take him to the courts and get a court order or how do we get him off the property as we do not wish to sell. This is a complete nightmare for us as he seems to be holding all the cards.

Dear forum members, I am looking for ways how to remove my personal information from the website/internet which keeps ignoring my request. Approximately 1.5 years ago I was looking for a temporary job and created a profile with my personal information (name, contact number, age, skills, education etc.) on this website. The website's purpose was to help people like me to find some additional work (e.g. care assistant, help when moving home etc). It is similar to those freelance workers databases online however it doesn't need you to log in to the website in order to access the details of the freelance workers and it is free of charge. My profile on that website did not bring any results and I wanted to delete my information from it. I contacted the website administrators and they told me that they will delete all my information from the website. There is no option for me to log in to my profile and to amend/delete the information. Accidentally one year later I googled my name and search results brought up that website again with all my personal information! I contacted the website again and asked them again to remove the info. I did not receive any response from them for about a month and I wrote to them again. They then said again that they will delete it and when I checked the website few days later the website was removed from the internet. Today I checked the website again and this website is back online with all my personal details available to watch to anyone on the internet. Can anyone please advise me if I there are any remedies against this website or is there any way how can I force the website to delete my details. I know I was stupid registering my details with the website without first checking the website properly, but I was also desperate to find some additional work at that time... Thank you in advance!