Three years in I missed one payment of £250. I was working away and had not realised the bank had not processed the direct debit.
I then moved house but did inform the lender. The lending bank got debt collectors, who reported they had traced me still living at my old address. The bank is suing me for the unpaid amount and interest, though it fouled up by trying to contact me at the wrong address.
l You are due the money, so the lender is entitled to a decree against you. But if you seek a time to pay direction (see the court forms) before it can get it, you can get the court to order the level of payment and as long as you stick to it there will be no enforcement possible.
As it raised the action based partly at least on its own incompetence in failing to record your change of address, you can ask the court not to award any costs against you.
I am interested in buying a strip of the ground I share with my neighbour. He is willing for me to buy. How would I go about a valuation and is it normally possible to add on to the mortgage?
l Very straightforward. A chartered surveyor will do a valuation, but as long as you and neighbour (and any others with shares - get your solicitor to do a search to check who actually owns what) agree a price, a solicitor can draw up a title deed (with or without a short contract) and register the deed. It can then form part of your existing title or be alongside it.
THE factor re-roofed our property and roughcast the walls, but the contractor trashed my garden, our front door entry system and close landing. We are refusing to pay the bill until it addresses the problem. But the factor is doing nothing about my garden. It says the cladding is fine and it may decide not to do anything about the holes made in the close.
l The factor is your agent and owes you a duty of care. The contractor is partly the factor's responsibility, and it appears to be the factor's lack of supervision of the contractor that has caused the problem. You would be entitled to sue both factor and contractor for the costs of repairing the mess. If all owners get together, they could maybe afford a lawyer between them to make this happen.
I have been married 22 years. My wife now ignores me and is drinking heavily. She has been inquiring into getting equity from the house without my consent. Her name alone is on the deeds. Can she do this? Should I be worried?
l She cannot lawfully get a new mortgage on the property without your signed consent because it is your matrimonial home even though you are not on the deeds.
You would be presented with a consent form and allowed to take private legal advice on it. You ought to see a solicitor before signing anyway because there are important aspects of the law that affect your situation whether you continue the marriage or not.