Hello I did some work for a local business. I issued several invoices over the course of a few months. The business owner has not paid. I was warned not to trust him, so you could say i was asking for it. I sent him a letter before action. In his reply he denied owing some invoices - putting it on me to provide 'proof' of purchase order etc which i can see dragging out for some time. In his reply he admitted (in writing) that he owed certain invoices (of which there was no escaping the fact: email evidence etc) and that he would pay them. He also finally admitted having some of my tools which he had denied for months (again only because he had to. His employee had admitted it in writing). He promised to return them. Over six weeks later he has not paid the uncontested invoices, and has not returned the tools. Can I proceed to issue a claim on these issues ( the unpaid invoices and the replacement value of the tools) without further communication ? He is using the 'contested' parts of the debt to avoid paying any of it or return the tools. Thanks in anticipation of your help.

Hi all We are in the middle of an outstanding account wrangle with our vets... The injury(s) in question was fully covered by our PetPlan cover and dates back some time BUT... One of the excess payments I made in cash - that never made it onto their system - they are saying I still owe it and they won't even entertain the notion that it wasn't entered, or worse someone pocketed the cash. One of the Lab Fees was processed 2 months after the last appointment for that particular illness, which meant the subsequent claim for this was in a new policy year, and was subject to a new excess which meant the entire lab fee was not paid by PetPlan......when questioned why it was processed 2 months after the op, they said that's just the way it is. I had been having email conversations with one of their senior vets early this year about what was claimed, and what wasn't.....before the emailed matter was resolved, they stopped replying.....they are saying they had asked for claim forms and payments in one of the emails which i didn't supply.....it is now too late to claim for these items, and they are saying I need to pay instead. For all of these claims, they had originally been supplied claim forms for, but they failed to submit them.....when questioned about this, they said they don't lose claim forms, I never supplied them. I have offered to meet them half way on the outstanding £315.24, but they have outright refused and say I am responsible for the total amount. They will not accept that they have made any mistakes AT ALL. So, what can I do? Fight it and take the dogs elsewhere....or....swallow the cost, pay it so they continue to care for my dogs. Obviously, this is all my word against theirs, but I was astounded when they wouldn't even meet me part of the way on the cost, given that most of this outstanding amount is due to them. Any advice gratefully received!

help, this may be ridicious but ....... before approaching a solicitor and being laughed out of the UK can help be offered with this query. would it be possible for me to assign in some way a part of my mortgage title to my adult daughter without any money changing hands so that we then become joint owners? would my mortgage company have to agree?