Question List

Question posted on 04-09-2010 10:15
Status: Completed

i am trying to close an alliance and leicester current account, i have been to the branch who said they cannot close it due to a £5 charge that is due to come out on the 17th. The charge is applied as i shoud have a certain amount going into the account each month however i have switched my income to a new account in preperation of closing the account thus incurring the charge. i offered to pay the £5 on the spot but they said there was nothing they could do and that i had to wait until the 17th. do they have the right to stop me closing it? can they refuse my payment of the charge?

Question posted on 03-09-2010 11:25
Status: Completed

my wifes grandmother had two children, a son and a daughter ( both have children ) The daughter died so the Grandmother made a will that stated that every thing should go to her son. Yesterday the son died, the Grandmother is very ill. If she were to die before she can change her will who will inherit.

Question posted on 03-09-2010 10:29
Status: Answered

I've lost a lot of money and also saved some by not spending at my destination. Yesterday I turned up in good time (2 hours to go) at Heathrow to board an Emirates flight to Delhi. (Card purchased against Opodo, I also have travel insurance.) 'Where is my visa?' I was immediately at the desk. It never occured to me that someone from the UK would need a visa to travel to go to another commonwealth country. 'I don't have one,' I replied 'can I obtain an emergency one at the airport?' Alas no, and the Indian High Commission is located at Aldwyich, almost three hours away. What are my rights here? Is there any way I can recover my costs, otherwise both airline and hotel at the other end are taking money and providing no service.

Question posted on 02-09-2010 18:54
Status: Followed up

my wife got pregnant by another man. i forgave her and took the baby as mine and registered the baby in my name. now the man wants the babies name ghanged to his name can he do this? as i dont want the babies name changed and niether does my wife.

Question posted on 02-09-2010 12:10
Status: Completed

Liability of small groups for organised events - can disclaimers provide protection?

Question posted on 01-09-2010 20:49
Status: Closed

Type your legal question here

Question posted on 01-09-2010 13:54
Status: Closed

I own a property in a development that has common areas. After many years the developer has not finished the roads, landscaping etc.. and has probably no intention of doing so. The Deeds of conveyance for my property contain very detailed requirements that the management company is supposed to carry out, like painting all the houses every 5 years etc... Because of the development being unfinished most people will not pay the fees to the management company so it is technically bankrupt. To sum up the whole thing is a big mess. My question is : If i try to sell my property, the same set of Deeds of Conveyance will be transfered to the new owner, which for all intents and purpose, are nonsense. Is it legal for me to do so and could it have legal consequences for me. I do not intend to try to sell but want this answer to put to the developers as a possible situation that they have left people in.

Question posted on 01-09-2010 12:16
Status: Completed

At the weekend my 10 year old childs kite (being flown on the beach) landed on a adjacent minor road (20mph speed limit) - a cyclist was coming down the road - I shouted to warn him of the kite lines, he braked quite hard and went over the handlebars - he was more shocked than hurt (slight bruise to leg) - I took him and bike (un-damadged) back to his home in my car, we exchanged addresses and shook hands - WHAT IS MY LIABILITY IF WANTS TO MAKE A BIGGER ISSUE OF THIS?

Question posted on 31-08-2010 22:51
Status: Closed

Facebook account disabled: i'm an artist/DJ who has been using a stage name for 11yrs, which is different to my real name. Everyone I have met since 1999, whether on a business OR personal basis, I have introduced myself with my stage name. The result is that everyone, both friends, colleages and strangers (ie. fans) only know me as my stage name. Someone who was harassing me must have clicked report on my page so facebook disabled my account. The reason I was given is that i'm using a 'fake name'. They direct me to here: http://www.facebook.com/help/?page=46 Yes, I know its only facebook.. but in my line of work it is an essential networking tool. I had 5000 contacts, the majority of which were people that would book me, and the rest were people that I promote my events to. Since the account is closed i cannot access my girldjs.com group (i was the only admin) and I use this account to notify my djs of jobs they may be interested in. I haven't been able to function for the last 2 weeks and I have taken no new bookings in the time I have been offline. So facebook is essential to my business unfortunately. I have blogged all my emails to them here: http://anna-kiss.blogspot.com and there is an interesting similar case with a blogger called John Swift who was reinstated under his 'fake' name as he was mostly known by that name. My concern is if after all this to-ing and fro-ing they eventually reinstate my account in my real name, nobody will know who I am so I will have to start over anyway. I know they are a huge corporation and so are probably acting within the law, but I was just hoping you could shed some light on my rights. Here are their terms: http://www.facebook.com/terms.php?ref=pf

Question posted on 31-08-2010 13:56
Status: Completed

Sorry for the long winded question but i thought that i should include as much detil as possible. My husband started a nightclub business in 2004. In august 2005 He got a loan off a brewery for £30,000. £15,000 was a gift and £15,000 was a loan to be paid off, £500 per month over 5 years. Unfortunately, he signed a personal guarantee. The business was forced into administration and the company went into administration on 30th April 2008. Fast forward to Jan 2010 and my husband received a debt collection letter from one of the creditors, a brewery, asking for £22,772.69 as he had signed a personal guarantee and if they didn’t receive the said amount within 7 days they would start legal proceedings. Within 5 days we received another letter, this time it was a CCJ form. We were also concerned as there was a discrepancy on the claim form and the amount the brewery was asking for was a lot higher than the original claim made to the administrator by them in June 2008. The amount they originally asked for in June 08 was £15,864, also when we looked through the CCJ claim forms we saw that it said “The claimant expects to receive more than £5,000 but less than £15,000”. My husband called the brewery’s solicitor to find out what was going on and they informed him that they had been told by the administrator that they were not going to receive anything out of the administration. I contacted Vantis, the administrator, who told me that they had not paid any of the creditors but were expecting to do so by March 2010. Knowing that the creditors were still going to receive money from Vantis my husband called the brewery’s solicitor and put an offer to them. The offer was refused so my husband put in a higher offer which again was refused. My Husband’s final offer was £7000, but the brewery’s solicitor refused it again. We then received notice that the CCJ was awarded to the Claimant on 26th Feb for the sum of £23,253.98. We immediately sort advice and on 12th March we went to the court asking for the judgement to be set aside on the grounds that the amount was an incorrect figure, we also had evidence that the claimant was still to receive payment shortly from the administrator, and that in the original documents filled to the court the claimant had stated they didn’t expect to receive over £15,000. We waited to hear from the court but then we received an interim charging order application filed by the brewery on 15th April as my husband had not responded to the claim or made any payment, and a court date for the hearing. I called the court to find out why there was no mention of the hearing for the Judgment to be set aside and they told me it would probably be heard at the same time as the interim order. We went to the hearing on June 7th and to our dismay the court had not set a time for the hearing for the Judgment to be set aside even though the paperwork had been processed. The Judge felt we did have a good cause to have a hearing for the Judgment to be set aside and that we did in fact respond to the CCJ before the brewery applied for the interim order. The hearing was adjourned till August 11th. We received a witness statement from the claimant’s solicitor dealing with the CCJ which says it is responding to the application for the judgment to be set aside which they say they received on July 12th and that they are opposing it. However the witness statement was full of lies. We got conformation that the administrator had in fact paid creditors 15p in the £1 and that the dividends were paid on June 2nd. The brewery were paid £3005.45 out of the £3487.95 that was due to them and it was sent to the brewery’s solicitor and made out to the solicitor dealing with the CCJ and interim order, which the solicitor failed to mention. Also, whilst I was searching through some stuff I came across and invoice dated 30/06/08 and it relates to outstanding invoices dating 07/05/08 and 28/05/08 and the amount totals £4255.25, the same amount that the Brewery are asking for as outstanding trade debt. In the witness statement there is a proof of debt form that was sent to the administrators which states that the outstanding amount is for ‘a loan agreement entered on the 4th August 2005 and wet goods ordered and delivered on or before 3rd May 2008, which we have proof that they were not. My husband had argued with the solicitor that any orders placed after the company was put into liquidation were the responsibility of the administrators and not him, but they disagreed. We went to the hearing on August 11th thinking that we had grounds for the judgment to be set aside, the judge said that we were in fact right in that the claimant can not ask for money that was due to orders placed after the company went into administration. We also produced evidence that the administrator had paid out the dividends to creditors in June, however the person attending the court was just an agency solicitor and after speaking to the main person dealing with the case on the phone she said that as far as the solicitor was aware payment had not been received? The judge ordered that the charging order was to be made final but modified it to exclude the amount owing from the trade debt. We received the final charging order which states the amount owing is now £1803.11 (I think this is a clerical error as the amount should be £18300.11) and to include any cost and interest. We then received a letter from the claimants solicitor dated 25th August 2010 but not posted until 27th August saying that if they don’t receive full payment within 7 of this letter then their client would have no alternative but to proceed with an application for an order for sale, and they will be seeking a subsequent hearing seeking full cost including the amount owing from the outstanding trade debt if we do not put a proposal together to pay. Please could someone advice as to what to do next and if an order for sale can be granted. Our home is in joint names, although it is only my husband’s debt and it’s our family home. We live with our daughter who is 11, and my husband’s children also live with us. His son is 16 but is on the disabled children’s register as he was born with a rare chromosome disorder, he is also autistic and has severe learning difficulties, for which he attends a special needs school. My husband’s eldest child also lives with us, she is 18 but attends full time college.