Search found 394 matches

by Satsuma
March 24th, 2019, 12:09 pm
Forum: Legal Issues (Practical)
Topic: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)
Replies: 15
Views: 894

Re: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)

I'd advise you just to ignore it completely! From a common sense point of view, you're the only person to be aware of it and it's causing you no practical difficulties. When either you or your neighbour come to sell the house it's extremely unlikely that the prospective buyer will notice it. The so...
by Satsuma
March 21st, 2019, 12:45 pm
Forum: Legal Issues (Practical)
Topic: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)
Replies: 15
Views: 894

Re: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)

The laws on adverse possession changed in 2002 or thereabouts (in the land owners' favour as against what apparently used to happen) and that is why it is relevant. As I understand it, if they do not write to the Land Registry formally to seek possession (after 10 years of adverse possession), upon...
by Satsuma
March 20th, 2019, 2:13 pm
Forum: Legal Issues (Practical)
Topic: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)
Replies: 15
Views: 894

Re: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)

But won't the sale of the land require changes to the deeds of both properties? And at what expense? I suggest asking for £50,000 - to encourage the neighbour to return the land to you and avoid all legal hassles now and in the future. IANAL Watis That's my query - how to satisfy Land Registry in f...
by Satsuma
March 20th, 2019, 2:04 pm
Forum: Legal Issues (Practical)
Topic: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)
Replies: 15
Views: 894

Re: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)

On the assumption that the small parcel of land really has no value or utility to you, but is of some utility to your neighbour, you could drop them a line asking them if they would like to buy it from you for, say, £50. It may not be an issue to you now, but as you say a future buyer of your prope...
by Satsuma
March 20th, 2019, 9:46 am
Forum: Legal Issues (Practical)
Topic: Just found out neighbour is using a bit of my land (not a problem, just want to sort it)
Replies: 15
Views: 894

Just found out neighbour is using a bit of my land (not a problem, just want to sort it)

I happened to be looking at land boundaries recently. It shows a small triangle of land poking out the side of my driveway. From the kerbside you'd assume it was my neighbour's land as its directly in front of their property, and indeed they have planted it and used it as theirs too. But looking to ...
by Satsuma
January 22nd, 2019, 7:33 am
Forum: Legal Issues (Practical)
Topic: Give owner notice of their liability for damage to my land?
Replies: 11
Views: 1069

Re: Give owner notice of their liability for damage to my land?

That's actually quite unusual. It's often the case that if there are restrictive covenants they aren't set out verbatim , but there's a note (usually in the Charges Register) saying something like: "The property is subject to restrictive covenants as set out in a Transfer dated 2 July 1976 (co...
by Satsuma
January 21st, 2019, 7:58 pm
Forum: Legal Issues (Practical)
Topic: Give owner notice of their liability for damage to my land?
Replies: 11
Views: 1069

Re: Give owner notice of their liability for damage to my land?

If it's an estate type house on a modern (i.e. last 50 years or so) development there may well be restrictive covenants affecting the neighbour's title. A very common one is a prohibition about commercial vehicles being parked on the premises. You do therefore need to check both your title document...
by Satsuma
January 20th, 2019, 3:56 pm
Forum: Legal Issues (Practical)
Topic: Give owner notice of their liability for damage to my land?
Replies: 11
Views: 1069

Re: Give owner notice of their liability for damage to my land?

It's not business use. One is a commercial size vehicle adapted for private family transport use. There is also one other, sometimes two different works vans parking overnight, not trading at the address or anything. The van drivers come home from work, and then drive them back again the next day. O...
by Satsuma
January 19th, 2019, 3:00 pm
Forum: Legal Issues (Practical)
Topic: Give owner notice of their liability for damage to my land?
Replies: 11
Views: 1069

Give owner notice of their liability for damage to my land?

I want to give next door's landlord 'notice' that I hold them liable for future repair costs from the damage being caused to my bit of the driveway by their tenants driving 'unauthorised' commercial-weight vehicles over it every day. How best to do so? Should I even advise my own buildings insurers ...
by Satsuma
November 9th, 2018, 11:54 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

Well, yes ok, it's working as I thought, but only after we untangled the contradictory and confusing information they sent out! It should have been communicated accurately and with clarity ( :lol: ) from the get-go and this thread should not really have been needed to understand what they were doing...
by Satsuma
November 9th, 2018, 9:38 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

Just as a final follow up... For several weeks now I have been getting dire text warnings from Halifax saying: " Miss Sats REMINDER: if you make extra payments to your credit card at any time this will not reduce your DIrect Debit " Except, of course, depending the date, some do reduce the...
by Satsuma
November 2nd, 2018, 10:07 am
Forum: Airport Lounge
Topic: Would you issue a small claims for this?
Replies: 7
Views: 1076

Re: Would you issue a small claims for this?

It turns out this airline offer free Subject Access Requests, so I have sent off a request for the audio of my first call. If they return that, then I will think more strongly about further action. If not, I'll probably let it go as it's just my word against theirs, and I don't especially need extra...
by Satsuma
October 27th, 2018, 8:29 pm
Forum: Airport Lounge
Topic: Would you issue a small claims for this?
Replies: 7
Views: 1076

Re: Would you issue a small claims for this?

It's not Ryanair (thank god I am nowhere near anywhere they fly from so I won't have to be in that position!) I think what annoyed me was them making up the weather excuse, and only changing their tune after i asked for the call recording (which makes me think they listened to it!) ....But not that ...
by Satsuma
October 27th, 2018, 4:28 pm
Forum: Airport Lounge
Topic: Would you issue a small claims for this?
Replies: 7
Views: 1076

Would you issue a small claims for this?

A couple of months ago, my flight - from the (EU) airline's home airport/base - was cancelled. When I spoke to the airline call centre, I asked why. The agent made smalltalk explaining that she was looking it up and then specifically told me it was due to an aircraft malfunction. I was rebooked on a...
by Satsuma
October 9th, 2018, 7:19 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

Ugh. I have an account with Santander (not cc), so I sent two secure messages. One was a specific query about the Zero card and the other was related to my existing account. As usual, both replies have come back with inaccurate information that doesn't really answer my query and is padded out with a...
by Satsuma
October 5th, 2018, 11:59 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

No problem, I'm glad it has been useful! But it was very much a joint endeavour with the other posters asking pertinent questions and raising relevant points that got me from my initial "huh?" posting to being able to fully understand what on earth they were doing and explain it onwards! (...
by Satsuma
October 4th, 2018, 7:32 pm
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

And kudos to Sats for spotting all this before anyone else in the world... :D That's the Fool in me - actually reading those letters which say "we have changed some T&Cs..." and then being nerdy enough to follow up and ask. I am a little surprised it took so long for anyone else to no...
by Satsuma
October 4th, 2018, 7:27 pm
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

4. Or, in my case, complete my Santander Zero card application and bin Clarity off. I am strongly swayed to 4 now. I am just going to double check their T&Cs with fresh eyes to make sure they still work on the old "normal" way with manual payments. Is the Santander Zero card a direct ...
by Satsuma
October 4th, 2018, 11:14 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

I forgot to include my theory about all of this: This is a Lloyds/Halifax-wide decision which affects all their cards. I imagine they have a lot of cardholders of "normal" cards who have have an ongoing balance, only paying minimum amounts etc. This puts Lloyds/Halifax in a risky position ...
by Satsuma
October 4th, 2018, 11:05 am
Forum: Credit Cards and Loans
Topic: Halifax Clarity T&C change - interim manual payments now not accounted for?
Replies: 111
Views: 7896

Re: Halifax Clarity T&C change - interim manual payments now not accounted for?

To clarify on a couple of points: Ah I hadn't seen that. Sounds more like cock-up then, perhaps developers given too much power or key decision overlooked/went the wrong way. I was explicitly told this change had been decided by the business, in response to customers complaining they didn't understa...

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