Forum Boundary dispute

Hi all, Hoping someone can give me some advice on this as I'm not really sure what I should be doing next. I've suddenly had a debt collection agency chasing me for an old Orange mobile phone debt which must be around 17 years old now. There was a CCJ taken out against me for it, but from what I can work out the debt was already about 8 years old when they got the CCJ. I didn't know anything about the CCJ at the time as everything was sent to an old address. I only found out about it afterwards. The CCJ eventually disappeared from my credit file and it's been off there for about 3 years now. I've heard absolutely nothing about this debt for years and assumed the whole thing was long gone. Then completely out of nowhere I've started getting contacted about it again and now someone from the DCA has actually turned up at my house trying to collect it. I'm not really sure how to handle this and don't want to contact them and say something stupid that causes me problems later. Can they actually enforce a CCJ after this amount of time? Does it make any difference that the debt itself was already something like 8 years old when they got the CCJ? Also, does the fact that I never received the original court paperwork because it went to an old address make any difference? I'm assuming the CCJ dropping off my credit file doesn't necessarily mean it has disappeared completely, but after all these years can they really just start chasing it again and sending people to my house? Can I simp

Hi all, Hoping someone can give me some advice on this as I'm not really sure what I should be doing next. I've suddenly had a debt collection agency chasing me for an old Orange mobile phone debt which must be around 17 years old now. There was a CCJ taken out against me for it, but from what I can work out the debt was already about 8 years old when they got the CCJ. I didn't know anything about the CCJ at the time as everything was sent to an old address. I only found out about it afterwards. The CCJ eventually disappeared from my credit file and it's been off there for about 3 years now. I've heard absolutely nothing about this debt for years and assumed the whole thing was long gone. Then completely out of nowhere I've started getting contacted about it again and now someone from the DCA has actually turned up at my house trying to collect it. I'm not really sure how to handle this and don't want to contact them and say something stupid that causes me problems later. Can they actually enforce a CCJ after this amount of time? Does it make any difference that the debt itself was already something like 8 years old when they got the CCJ? Also, does the fact that I never received the original court paperwork because it went to an old address make any difference? I'm assuming the CCJ dropping off my credit file doesn't necessarily mean it has disappeared completely, but after all these years can they really just start chasing it again and sending people to my house? Can I simp

My wife passed away a month ago, her will was quite simple and everything other than property matters are now sorted. We were together for 35 years and married for the last 10 years. When we married it was agreed (as I had maintained and put considerable funds into our properties) that we would become tenants in common. My wife would retain 75% and I would have 25%. I have the signed TR1. Thinking about the future, we agreed that my daughter and my wife's 3 children (all from previous marriages) would inherit our percentage of ownership. So under the terms of my wife's will, her 75% is to go in equal shares (25% each) to her 3 children while I retain my 25% this will eventually go to my daughter on my death when the house is sold. So my first question is, will probate be needed to transfer my wife's 75% between her 3 children ? I hope I am right that this is a straight yes/no answer. There is no inheritance tax etc to pay and obviously we don't want to spend money unnecessarily. My second question is more complicated. When we became tenants in common, despite us not having any issues with each other's children, we decided to protect ourselves in the future by drawing up a document for each child to sign. This in simple terms said, that who ever was the survivor of the marriage (in this case me) would be allowed to remain living in the property unhindered etc until they either passed or went into full time care. The property could then be sold and each child would receive 25%.

Hi everyone, we're a Maryland law firm, and we often hear the same questions from people after a crash. Here are quick answers to the most common ones: Contributory negligence: Maryland is one of the few states where being even slightly at fault can bar you from recovering damages, so how the accident is documented matters a lot. Insurance adjusters: You aren't required to give the other driver's insurer a recorded statement, and it's wise to get advice first. Time limits: In most cases the deadline to file a personal injury claim in Maryland is three years, but there are exceptions. Contingency fees: Many accident lawyers work on contingency and offer free consultations. What to gather: Photos, the police report, medical records, and repair estimates. Happy to answer general questions in this thread. This isn't legal advice for your specific situation. https://www.falodunlaw.com/

Hi All, I booked a private healthcare appointment online earlier today and paid upfront. I cancelled the appointment within 2 hours, the appointment was next week so > 24 hours notice. Their terms say cancellations over 24 hours in advance are refunded minus a £50 admin fee. Would a 14-day cooling-off period apply here? Or can they still legally deduct the admin fee because it was in their terms?

So, my wife got into a bit of financial difficulty in the last couple of years (CC/loans), (We dont have joint bank accounts). Last year she decided to stop paying ALL her CC/loans (she is 65, we rent privately, and with the cost of living she just thought "oh well feck it whats the worst they can do". The sheriff court hand delivered a letter the other day (no one was in the house at the time), they also went next door (on my security camera - have the footage ) and asked neighbour if my wife lived at our address (Is this allowed ?). Any way - here we go for help...... please. x Received a claim? Yes/No: YES Issue Date: 28/09/2026 Have you Acknowledged the Claim?:NO Total Amount Claimed :3900 Claimant’s Name: LC ASSET 3 S.A.R.L. COMPARTMENT 1 Solicitors Firm:BRODIES LLP Original Creditor: BANK OF SCOTLAND Original Debt :LOAN Particulars of Claim: ”On or around ***** 2023, Bank of Scotland plc entered into a credit agreement with respondant. A copy of the Agreement will be produced. The respondant failed to maintain payments due in the terms of the agreement. On or around ** Jan 2026 a default notice was served on Respondant. The respondant failed to make payment in satisfaction of the default notice. The Agreement was terminated. The balance outstanding in the terms of the Agreement is £***** which is the sum sued for. On or around ** Feb 20206, Bank of Scotland PLC rights in terms of the agreement were assigned to the claimant. Notice of the assignation was intimated to the

Hi, any help or direction with the follow would be much appreciated. My late father owned a holiday park home for around 6 years and originally paid £73,000 for it shortly after it had been placed. After an illness and hospitalisation he was found to have cancer and entered palliative care for around six months before passing away. Having gained probate I have attempted to settle the outstanding pitch fee increases during his palliative care so that the cabin can be sold. Initial attempts by a solicitor have also been ignored and I have been told since that I am to move the three bedroom cabin else it'll be moved. The site operates without Pitch Agreements or Contracts. Any help in how to move forward or If anyone can help direct me to an experienced holiday park home solicitor or an experienced consumer law solicitor it would be much appreciated. Thanks again in advance

During a bereavement, the DWP will send this form asking for figures at death, to determine if DWP have overpaid e.g. pension credit. They state on the form they will reply within 10 days to any letter. The reality is they have a backlog and 21 weeks or longer is a period you might well experience as at Sept 2026. The form states you must fill in the fields and the figures must match those used in the Probate calculation. And you must not distribute the estate until you hear from them. THE BIG PROBLEM IS THIS... THE FORM IS NOT FIT FOR PURPOSE. 1. It includes foreign assets, e.g. $travellers cheques, whereas the Gov.UK probate calculator strips those assets out. 2. It does not provide a field for debts, yet the Gov.UK probate calculator does. THIS WILL AFFECT ALMOST EVERYONE USING THE FORM. On death, any debt, e.g. to a Utility company, to a care home, to a credit card, on an overdraft, is very very likely. So by missing it out on this form, there will inevitably be a huge volume of correspondence querying why the figures do no match the Probate figure. 3. When someone dies, they inevitably leave CHATTELS, such as a TV, furniture, laptop, phone, kitchen equipment, jewellery, collections, maybe a car or some antiques. When completing the Probate figures in the IHT calculator, you are asked for a value. BY NOT ASKING FOR THE VALUE OF CHATTELS ON THE RELB form, ANYONE WHO COMPLETES IT WILL INEVITABLY PRODUCE A DIFFERENT FIGURE TO THEIR PROBATE FIGURE. These errors in form design

I am hoping to VT my csr with black horse. When i took car finance i cancelled additional insurance products to the sum of £1347 within the cooling off period. This was refunded to my bank and the interest charge was credited to my agreement. My finance agreement says total amount payable £9846 and VT figure is £4923. Ive paid that 4923 but now they say I still owe 1200 for insurance products because I paid towards my VT with my refund from the products and they said that money wasnt mine. When the insurance was cancelled I got thay £1347 to my bank and they credited the £345 in charges. I argued that its a cancelled products therefore i am not liable to pay, black horse argues I am liable. They are sending my VT pack out. They said ive paid my 50% for the car but that i still owe £1200 for the products I cancelled and was refunded for. How do i proceed? Can I legally cancel my direct debit so the next payment doesnt come out? They said i have to wait for their VT pack as if they 'allow me' to VT. I sent an email and letter on 21st september informing them of my signed finance agreement. The total amount payable and the VT figure.

Hi all, Following on from an earlier thread here https://legalbeagles.info/forums/for...get-it-removed , where the consensus was that a secured charge appears statute-barred (Legal Charge 2006, s.20 Limitation Act, no payment/acknowledgment since Dec 2012) — my question now is specifically about mechanism, since the original responder (thank you, Atticus) understandably couldn't advise further on this part. If the chargee (Cabot Financial (UK) Limited, via their agents Phillips & Cohen) does not voluntarily agree to discharge the charge despite being asked, what's the correct route to actually get HM Land Registry to remove it? Specifically: 1. If they refuse, is an application under Schedule 4 of the Land Registration Act 2002 (alteration of the register for mistake) the correct route, given there's also a separate issue — the charge has no restriction on the register despite the original 2006 deed requiring one, and no court claim number, unlike other charges on the same title that clearly arose from litigation? 2. Would this likely need to go through the First-tier Tribunal (Property Chamber) if contested, or can HM Land Registry itself resolve it if the chargee doesn't respond to their notice? Any pointers to the right procedure, or people who've been through this, gratefully received. Thanks in advance!

As per the title I loaned a friend £30k who now won't back back, agree / stick to a payment plan. Issue is I can't afford to take any legal action whether that be via an intermediate track claim (5% of the claim amount required upfront) or through a legal firm etc. No NWNF firms are interested, so was wondering if anyone had any ideas moving forward, are there firms you can sell personal debt such as this onto, and then they can take over the process? Thanks!

Hi all, I'm the executor of my late mother's estate and dealing with a secured charge against her property that I believe may be statute-barred. Would really appreciate a sense-check from anyone with experience of this. Background: • 29 November 2006: my mother granted a Legal Charge over her property to Progressive Financial Services Ltd (t/a Welcome Financial Services). The deed itself is explicit: "The Owner hereby charges the Property by way of Legal Mortgage." • 29 July 2014: the debt (account ref, balance £13,909.80) was assigned to Cabot Financial (UK) Limited via a Notice of Assignment. • 5 March 2020: the charge was registered against the property title in Cabot's name — 14 years after the original charge date, and with no court claim number referenced anywhere (unlike other charges on the same title, which clearly arose from litigation and cite a court + case number). Last acknowledgment/payment: • 7 September 2012: signed letter from my mother to Welcome Finance, acknowledging the debt and proposing to resume £300/month payments. • Actual last payment: December 2012 (confirmed via her bank). • I've since obtained verbal confirmation from every bank account she held (NatWest sole, NatWest joint, Barclays, Santander) that no further payments were made after December 2012. Written confirmation from the banks expected shortly. • Cabot's own statement of account (dated 15 July 2026) shows opening balance, closing balance, and outstanding balance all identical at £13,909