Posted by: Schtum, Glasgow on 11:55am Thu 7 Feb 08
[quote]More factors can mean only one thing - more unhappy residents.[/quote]Emmm... Interesting spin.
I'm becoming increasingly concerned by the tone of this campaign and it's lack of balance.
Yes, there are bad factors out there, but there are also lazy owners.
Perhaps the ET could focus more on helping the situation and a little less on the sensationalism?
More factors can mean only one thing - more unhappy residents.
Emmm... Interesting spin.
I'm becoming increasingly concerned by the tone of this campaign and it's lack of balance.
Yes, there are bad factors out there, but there are also lazy owners.
Perhaps the ET could focus more on helping the situation and a little less on the sensationalism?
Posted by: roor06, glasgow on 12:02pm Thu 7 Feb 08
Not just factors,but why is it that everyone and their granny are so swift when it comes to taking legal action, yet drag their heels to remedy any complaint ???
This appears to be the new money spinning market to be in !!!
Not just factors,but why is it that everyone and their granny are so swift when it comes to taking legal action, yet drag their heels to remedy any complaint ???
This appears to be the new money spinning market to be in !!!
Posted by: chrissybaby, Stirling on 12:04pm Thu 7 Feb 08
There has been a lot of bad press lately regarding factors and it makes me wonder if people have actually read their Deed of Conditions before purchasing??
When you buy a new property your solicitor should explain that a management firm has been appointed to maintain all common areas. The developer can provide you with the name of this firm if it is not stated in the Deeds.
The fact is that many sites have areas of open space which are shared by everyone, even if it’s a mile away from your house. This has to be maintained and to have…say 200 houses arranging this work would be an administration nightmare for owners and is best for a factor to become involved. For starters how do you collect each properties share of the work??
Frankly your shed looks a state anyway and probably rotted coz it wasn’t painted.
There has been a lot of bad press lately regarding factors and it makes me wonder if people have actually read their Deed of Conditions before purchasing??
When you buy a new property your solicitor should explain that a management firm has been appointed to maintain all common areas. The developer can provide you with the name of this firm if it is not stated in the Deeds.
The fact is that many sites have areas of open space which are shared by everyone, even if it’s a mile away from your house. This has to be maintained and to have…say 200 houses arranging this work would be an administration nightmare for owners and is best for a factor to become involved. For starters how do you collect each properties share of the work??
Frankly your shed looks a state anyway and probably rotted coz it wasn’t painted.
Posted by: FuffyAnt, glasgow on 12:29pm Thu 7 Feb 08
another story concerning bad factors. a lot of the problems seem to stem from the awful levels of customer service that the factors provide (or more often don't provide). this can turn a small problem which should be easy to resolve quickly and cheaply into a long, drawn out struggle to get anything done.
it seems to be very much a case of 'we've got your business, pay us your money and don't complain because if you do we'll ignore you, send you more bills and if you don't pay we'll take yout court'.
absolute jokers.
another story concerning bad factors. a lot of the problems seem to stem from the awful levels of customer service that the factors provide (or more often don't provide). this can turn a small problem which should be easy to resolve quickly and cheaply into a long, drawn out struggle to get anything done.
it seems to be very much a case of 'we've got your business, pay us your money and don't complain because if you do we'll ignore you, send you more bills and if you don't pay we'll take yout court'.
absolute jokers.
Posted by: FuffyAnt, glasgow on 1:07pm Thu 7 Feb 08
p.s WALKER SANDFORD - if you are reading this, stop wasting time and get on with your work and sort out my account problems. and when you're done maybe you will think about not taking me to court and then, on the off chance you ever reach a state of enlightenment, pull the plug and shut down your awful excuse for a business.
either that or perhaps just improve your customer service. it's not difficult you know. just answer the phone now and again.
clowns. jokers. crooks.
p.s WALKER SANDFORD - if you are reading this, stop wasting time and get on with your work and sort out my account problems. and when you're done maybe you will think about not taking me to court and then, on the off chance you ever reach a state of enlightenment, pull the plug and shut down your awful excuse for a business.
either that or perhaps just improve your customer service. it's not difficult you know. just answer the phone now and again.
clowns. jokers. crooks.
Posted by: wattaj, Glasgow on 1:17pm Thu 7 Feb 08
"Poor communication and poor customer service."
This more or less sums up the relationship that many people believe that, perhaps rightly, they with their factors. [bold]But[/bold] what I see here is fault on both sides.
People paying for a service have to take the time to understand exactly what they're paying for.
Factors have to be prepared to make that information available and they also have to justify and follow-up on work done to ensure that it is done to an appropriate standard.
There is common ground...
Both customers and factors want an easy life.
Perhaps regulation would get us there...
Perhaps we wouldn't need regulation if the industry could see that putting the customer first makes a factor's life easier in the long run.
[bold]www.RateYourFactor.c
o.uk[/bold]
[italic]Looking forward to an easier life for everyone.[/italic]
;-)
"Poor communication and poor customer service."
This more or less sums up the relationship that many people believe that, perhaps rightly, they with their factors.
But what I see here is fault on both sides.
People paying for a service have to take the time to understand exactly what they're paying for.
Factors have to be prepared to make that information available and they also have to justify and follow-up on work done to ensure that it is done to an appropriate standard.
There is common ground...
Both customers and factors want an easy life.
Perhaps regulation would get us there...
Perhaps we wouldn't need regulation if the industry could see that putting the customer first makes a factor's life easier in the long run.
www.RateYourFactor.c
o.uk
Looking forward to an easier life for everyone.
;-)
Posted by: brocher, Glasvegas on 1:34pm Thu 7 Feb 08
[quote][bold]FuffyAnt[/bold] wrote:
p.s WALKER SANDFORD - if you are reading this, stop wasting time and get on with your work and sort out my account problems. and when you're done maybe you will think about not taking me to court and then, on the off chance you ever reach a state of enlightenment, pull the plug and shut down your awful excuse for a business. either that or perhaps just improve your customer service. it's not difficult you know. just answer the phone now and again. clowns. jokers. crooks. [/quote] It seems that some induviduals are not interested in active comment on the issues raised in the article and choose only to sling mud and personal insult. Although it seems that Ms Taylor may have an axe to grind in her penning of these articles as they could be considered a polemic.
FuffyAnt wrote:
p.s WALKER SANDFORD - if you are reading this, stop wasting time and get on with your work and sort out my account problems. and when you're done maybe you will think about not taking me to court and then, on the off chance you ever reach a state of enlightenment, pull the plug and shut down your awful excuse for a business. either that or perhaps just improve your customer service. it's not difficult you know. just answer the phone now and again. clowns. jokers. crooks.
It seems that some induviduals are not interested in active comment on the issues raised in the article and choose only to sling mud and personal insult. Although it seems that Ms Taylor may have an axe to grind in her penning of these articles as they could be considered a polemic.
Posted by: roor06, glasgow on 1:46pm Thu 7 Feb 08
My factor is the GHA, and i also think they are at it !!!
Mysterious graffiti removal,new pump for lift,repair to close window,repair to front door,these appear to be stock standard bills sent out every quarter ...
My factor is the GHA, and i also think they are at it !!!
Mysterious graffiti removal,new pump for lift,repair to close window,repair to front door,these appear to be stock standard bills sent out every quarter ...
Posted by: Schtum, Glasgow on 1:52pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
My factor is the GHA, and i also think they are at it !!! Mysterious graffiti removal,new pump for lift,repair to close window,repair to front door,these appear to be stock standard bills sent out every quarter ...[/quote] Maybe you should move to a nicer area?
Just a thought...
roor06 wrote:
My factor is the GHA, and i also think they are at it !!! Mysterious graffiti removal,new pump for lift,repair to close window,repair to front door,these appear to be stock standard bills sent out every quarter ...
Maybe you should move to a nicer area?
Just a thought...
Posted by: The X Factor, Glasgow on 1:54pm Thu 7 Feb 08
[quote] More factors can mean only one thing - more unhappy residents.[/quote]
I have been reading the ET for over 40yrs and I remember when it used to be quite a good wee paper. I used to read the stories and the editorials and think, broadly, hey - thats my view as well.
This factoring piece is however the most unbalanced bit of reporting that I have seen in a long time.
Look, Marianne Taylor, if building with multi owners do not get factored they dont get repaired and the eventually fall down. Even if they dont fall down, they descend into disrepair because (and here is the first newsflash Marianne), [bold][italic]a lot of owners will simply not pay[/italic][/bold] . Look at the idiot last night who has turned his bill of £9 with a bampot factor into £1600 and he still want to add on more legal costs.
Second Newsflash, the work that gets done is for everyone's benefit. Owners and tenants alike. Maybe the tribune of the people, Mr "Govan Law Centre" Dailly can explain to GHA, and the housing association tenants why it is ok for them to pay the bills for the owners. The vast majority of whom bought the houses for a song and, in buying them, have pushed rents up for tenants as until recently, the purchase price was usually less than the amount owed still by the landlord.
All of these houses were built for communal living - communal paying is a corolary of that.
The "rogue" factors should be tackled, so too should the rogue owners and the rogue tenants.
I will not mention rogue reporters other than get your act together Marianne.
More factors can mean only one thing - more unhappy residents.
I have been reading the ET for over 40yrs and I remember when it used to be quite a good wee paper. I used to read the stories and the editorials and think, broadly, hey - thats my view as well.
This factoring piece is however the most unbalanced bit of reporting that I have seen in a long time.
Look, Marianne Taylor, if building with multi owners do not get factored they dont get repaired and the eventually fall down. Even if they dont fall down, they descend into disrepair because (and here is the first newsflash Marianne),
a lot of owners will simply not pay . Look at the idiot last night who has turned his bill of £9 with a bampot factor into £1600 and he still want to add on more legal costs.
Second Newsflash, the work that gets done is for everyone's benefit. Owners and tenants alike. Maybe the tribune of the people, Mr "Govan Law Centre" Dailly can explain to GHA, and the housing association tenants why it is ok for them to pay the bills for the owners. The vast majority of whom bought the houses for a song and, in buying them, have pushed rents up for tenants as until recently, the purchase price was usually less than the amount owed still by the landlord.
All of these houses were built for communal living - communal paying is a corolary of that.
The "rogue" factors should be tackled, so too should the rogue owners and the rogue tenants.
I will not mention rogue reporters other than get your act together Marianne.
Posted by: windscale, glasgow on 2:04pm Thu 7 Feb 08
Factors seem to be a necessary evil. I have lived in tenements which have started to crumble due to non-paying owners (many buy-to-let). Like everywhere else, a few selfish people hurt the purses of the majority of owners.
This being said, my factors, Speirs Gumley, have a deposit of £400 but still send threatening letters within days of the due date of their bills. They receive interest on these funds and get credit from their suppliers. They should credit our accounts with the considerable profits generated.
Factors seem to be a necessary evil. I have lived in tenements which have started to crumble due to non-paying owners (many buy-to-let). Like everywhere else, a few selfish people hurt the purses of the majority of owners.
This being said, my factors, Speirs Gumley, have a deposit of £400 but still send threatening letters within days of the due date of their bills. They receive interest on these funds and get credit from their suppliers. They should credit our accounts with the considerable profits generated.
Posted by: roor06, glasgow on 2:06pm Thu 7 Feb 08
Schtum ...
Im happy where I live, you are missing my point, I feel that bogus work is being carried out to keep other people in work at the homeowners expence ...
Schtum ...
Im happy where I live, you are missing my point, I feel that bogus work is being carried out to keep other people in work at the homeowners expence ...
Posted by: Schtum, Glasgow on 2:08pm Thu 7 Feb 08
roo06 ...
Whooooosh?
Posted by: The X Factor, Glasgow on 2:25pm Thu 7 Feb 08
[quote][bold]windscale[/bold] wrote:
Factors seem to be a necessary evil. I have lived in tenements which have started to crumble due to non-paying owners (many buy-to-let). Like everywhere else, a few selfish people hurt the purses of the majority of owners. This being said, my factors, Speirs Gumley, have a deposit of £400 but still send threatening letters within days of the due date of their bills. They receive interest on these funds and get credit from their suppliers. They should credit our accounts with the considerable profits generated.[/quote] Windscale,
Have you asked Speirs Gumley whether or not they are going to pay interest on any deposit it holds, and how much? When you are entitled to get your deposit back, ask specifically for it and make sure that you get any interest you are entitled to.
The issue of saving money on suppliers is different. Generally if you ask any firm to complete a piece of work they will agree a price with you and then make a margin on both labour and materials. For a Factor they should be simply passing on your share of the invoice. Thats what you pay your Factoring fee for. Identifying necessary work, organising the work at the best vale for money and splitting the bill between the owners. The fee does not coverthe work itself or grass cutting, or lighting or anything else. That stuff should be charged to you at cost.
windscale wrote:
Factors seem to be a necessary evil. I have lived in tenements which have started to crumble due to non-paying owners (many buy-to-let). Like everywhere else, a few selfish people hurt the purses of the majority of owners. This being said, my factors, Speirs Gumley, have a deposit of £400 but still send threatening letters within days of the due date of their bills. They receive interest on these funds and get credit from their suppliers. They should credit our accounts with the considerable profits generated.
Windscale,
Have you asked Speirs Gumley whether or not they are going to pay interest on any deposit it holds, and how much? When you are entitled to get your deposit back, ask specifically for it and make sure that you get any interest you are entitled to.
The issue of saving money on suppliers is different. Generally if you ask any firm to complete a piece of work they will agree a price with you and then make a margin on both labour and materials. For a Factor they should be simply passing on your share of the invoice. Thats what you pay your Factoring fee for. Identifying necessary work, organising the work at the best vale for money and splitting the bill between the owners. The fee does not coverthe work itself or grass cutting, or lighting or anything else. That stuff should be charged to you at cost.
Posted by: Heather W, Luing on 2:41pm Thu 7 Feb 08
windscale
Send a cheque to pay for your deposit. This will not be cashed until the work is done. Any time work has not commenced due to the absentee landlards not coughing up the cheques have been returned. The company therefore does not make any interest on your money. Hope that helps.
windscale
Send a cheque to pay for your deposit. This will not be cashed until the work is done. Any time work has not commenced due to the absentee landlards not coughing up the cheques have been returned. The company therefore does not make any interest on your money. Hope that helps.
Posted by: hightower, glasgow on 2:48pm Thu 7 Feb 08
the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people.
They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind
the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people.
They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind
Posted by: The X Factor, Glasgow on 2:49pm Thu 7 Feb 08
[quote][bold]Heather W[/bold] wrote:
windscale Send a cheque to pay for your deposit. This will not be cashed until the work is done. Any time work has not commenced due to the absentee landlards not coughing up the cheques have been returned. The company therefore does not make any interest on your money. Hope that helps.[/quote] Heather,
No doubt windscale can clarify but I think the £400 is a general deposit rather than specific to a particular job. SG should have put it into their client account.
I think.
Heather W wrote:
windscale Send a cheque to pay for your deposit. This will not be cashed until the work is done. Any time work has not commenced due to the absentee landlards not coughing up the cheques have been returned. The company therefore does not make any interest on your money. Hope that helps.
Heather,
No doubt windscale can clarify but I think the £400 is a general deposit rather than specific to a particular job. SG should have put it into their client account.
I think.
Posted by: jeanbean, Glasgow on 3:06pm Thu 7 Feb 08
Why is my comment not listed regarding Cadder Housing close and stair cleaning ?
Why is my comment not listed regarding Cadder Housing close and stair cleaning ?
Posted by: The X Factor, Glasgow on 3:11pm Thu 7 Feb 08
[quote][bold]hightower[/bold] wrote:
the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people. They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind[/quote] One of the alarmist stories in the ET was about the high price of light bulbs etc. Of course this charge was for sending an electrician to replace the light and there is no point me going on abut how pricey that is. You could let people have a go themselves but what if they fall, get electrocuted, make an arse of the repair, break a fitment etc etc? In real life what actually happens of course is that nobody bothers to sweep the landing, why would they bother with communal maintenance?
Want to try being a factor? old rope? seems easy money?
ok try calling out a spark tonight [italic]hightower[/italic] , then get the invoice, then you pay it up front, then you split it up according to the various responsibilities depending on what it says on the conditions of sale for each house, then be prepared to argue withthe owners who will want details down to every piece of sandpaper used or whatever, then you chase them for the money then you sit back and enjoy the unbalanced reporting from someone like Marianne.
Employ operatives directly? Ok remember you are responsible for their welfare, add on 25% for oncosts, make sure you pay them up front, cover for hols and sickness, deal with redundancy, pay extra for shifts (you need more operatives for that btw) or get contractors out - oops you pay a premium for that.
Pay all of this up front then send the owners their share of the bills, etc etc (see above).
Who wouldn't agree that Factors need to deliver value for money but they are necessary!!!!
hightower wrote:
the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people. They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind
One of the alarmist stories in the ET was about the high price of light bulbs etc. Of course this charge was for sending an electrician to replace the light and there is no point me going on abut how pricey that is. You could let people have a go themselves but what if they fall, get electrocuted, make an arse of the repair, break a fitment etc etc? In real life what actually happens of course is that nobody bothers to sweep the landing, why would they bother with communal maintenance?
Want to try being a factor? old rope? seems easy money?
ok try calling out a spark tonight
hightower , then get the invoice, then you pay it up front, then you split it up according to the various responsibilities depending on what it says on the conditions of sale for each house, then be prepared to argue withthe owners who will want details down to every piece of sandpaper used or whatever, then you chase them for the money then you sit back and enjoy the unbalanced reporting from someone like Marianne.
Employ operatives directly? Ok remember you are responsible for their welfare, add on 25% for oncosts, make sure you pay them up front, cover for hols and sickness, deal with redundancy, pay extra for shifts (you need more operatives for that btw) or get contractors out - oops you pay a premium for that.
Pay all of this up front then send the owners their share of the bills, etc etc (see above).
Who wouldn't agree that Factors need to deliver value for money but they are necessary!!!!
Posted by: roor06, glasgow on 3:45pm Thu 7 Feb 08
Dont shoot me I"m only the piano player springs to mind ...
The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ...
The journalist - Marrianne Taylor should be recommended for this piece ...
Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...
Dont shoot me I"m only the piano player springs to mind ...
The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ...
The journalist - Marrianne Taylor should be recommended for this piece ...
Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...
Posted by: jeanbean, Glasgow on 3:50pm Thu 7 Feb 08
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever.
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever.
Posted by: Schtum, Glasgow on 3:51pm Thu 7 Feb 08
Journalists should report the facts of a case without interpretation or favour.
Read the commentary section if you want opinion of columnists.
Journalists should report the facts of a case without interpretation or favour.
Read the commentary section if you want opinion of columnists.
Posted by: The X Factor, Glasgow on 3:57pm Thu 7 Feb 08
Turning to the piece on [quote][bold]How it became your obligation[/bold] [/quote]
[italic]any spare pieces of ground left undeveloped would automatically be handed back to local councils to maintain.[/italic] - This is just nonsense, is she saying that all of the land built on by housebuilders used to be Council Land? If not when did Councils ever maintain land for free that it didn't own? Land values are thoughthe roof, developers do not "hand back" anything.
Glasgow, and other places always had loads of non-council maintained ground. From the nice parks in front of elegant sandstone terraces to the big SSHA and Council estates. Owners paid for the posh stuff (and close cleaning etc of course) and Tenants paid for open-space maintenance in the estates. (throughthe HousingRevenue Account for the Council tenants). Nothing has changed there except that these estates and big multis where not designed for owners and shock horror the owners who bought at up to 80% discount find that they have bills to pay for the upkeep of the properties.
The bit about [bold][italic]return(ing)the common areas to council jurisdiction[/italic][/bold] is nonsense as well. again it assumes the land was the council's in the first place but the most a council will do is adpot street lighting and roads. not paths and open ground. And as a Council tax payer - thats a jolly good thing.
The last bit makes sense - The message to anyone buying a new house is clear - make sure you know exactly what you are signing up to before you sign on the dotted line.
Turning to the piece on
How it became your obligation
any spare pieces of ground left undeveloped would automatically be handed back to local councils to maintain. - This is just nonsense, is she saying that all of the land built on by housebuilders used to be Council Land? If not when did Councils ever maintain land for free that it didn't own? Land values are thoughthe roof, developers do not "hand back" anything.
Glasgow, and other places always had loads of non-council maintained ground. From the nice parks in front of elegant sandstone terraces to the big SSHA and Council estates. Owners paid for the posh stuff (and close cleaning etc of course) and Tenants paid for open-space maintenance in the estates. (throughthe HousingRevenue Account for the Council tenants). Nothing has changed there except that these estates and big multis where not designed for owners and shock horror the owners who bought at up to 80% discount find that they have bills to pay for the upkeep of the properties.
The bit about
return(ing)the common areas to council jurisdiction is nonsense as well. again it assumes the land was the council's in the first place but the most a council will do is adpot street lighting and roads. not paths and open ground. And as a Council tax payer - thats a jolly good thing.
The last bit makes sense - The message to anyone buying a new house is clear - make sure you know exactly what you are signing up to before you sign on the dotted line.
Posted by: Schtum, Glasgow on 4:05pm Thu 7 Feb 08
[quote][bold]jeanbean[/bold] wrote:
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever. [/quote] Buyer beware.
If it's in your title deeds, you have no excuse for noe knowing about this before you bought your flat.
I suspect that it's too late to negotiate your way out of this now.
jeanbean wrote:
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever.
Buyer beware.
If it's in your title deeds, you have no excuse for noe knowing about this before you bought your flat.
I suspect that it's too late to negotiate your way out of this now.
Posted by: The X Factor, Glasgow on 4:17pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
Dont shoot me I"m only the piano player springs to mind ... The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ... The journalist - Marrianne Taylor should be recommended for this piece ... Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...[/quote] Its not shooting the messenger, if you post here its good to get a debate on what you say.
Also, its not a raw nerve - its just sloppy, often wrong and hopelessly unbalanced!
can you tell me the facts that you think have been unfairly rubbished?
roor06 wrote:
Dont shoot me I"m only the piano player springs to mind ... The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ... The journalist - Marrianne Taylor should be recommended for this piece ... Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...
Its not shooting the messenger, if you post here its good to get a debate on what you say.
Also, its not a raw nerve - its just sloppy, often wrong and hopelessly unbalanced!
can you tell me the facts that you think have been unfairly rubbished?
Posted by: roor06, glasgow on 4:23pm Thu 7 Feb 08
Schtum ...
The bills that are being sent out to homeowners are obvious attempts to make money ...
How can the buyer beware when there is so much small print in the contract ...
The only people who are rubbing there hands at all this are the lawyers and bailiffs ...
I suspect you are a lawyer ...
Schtum ...
The bills that are being sent out to homeowners are obvious attempts to make money ...
How can the buyer beware when there is so much small print in the contract ...
The only people who are rubbing there hands at all this are the lawyers and bailiffs ...
I suspect you are a lawyer ...
Posted by: roor06, glasgow on 4:30pm Thu 7 Feb 08
X Factor ...
No facts have been rubbished by the journalist ...
I believe this is only the tip of the iceberg and that reposessions of homes have already went ahead due to shady factors/lawyers ...
X Factor ...
No facts have been rubbished by the journalist ...
I believe this is only the tip of the iceberg and that reposessions of homes have already went ahead due to shady factors/lawyers ...
Posted by: Schtum, Glasgow on 4:32pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
Schtum ... The bills that are being sent out to homeowners are obvious attempts to make money ... How can the buyer beware when there is so much small print in the contract ... The only people who are rubbing there hands at all this are the lawyers and bailiffs ... I suspect you are a lawyer ...[/quote] So, the biggest purchase that anyone makes in their lives and they don't read the small print.
Interesting...
I have some magic beans that I'm interested in selling on.
The planting instructions are quite laboursome, but the price is reasonable...
roor06 wrote:
Schtum ... The bills that are being sent out to homeowners are obvious attempts to make money ... How can the buyer beware when there is so much small print in the contract ... The only people who are rubbing there hands at all this are the lawyers and bailiffs ... I suspect you are a lawyer ...
So, the biggest purchase that anyone makes in their lives and they don't read the small print.
Interesting...
I have some magic beans that I'm interested in selling on.
The planting instructions are quite laboursome, but the price is reasonable...
Posted by: roor06, glasgow on 4:37pm Thu 7 Feb 08
No deal ...
You bean-counter ...
No deal ...
You bean-counter ...
Posted by: The X Factor, Glasgow on 4:49pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
X Factor ... No facts have been rubbished by the journalist ... I believe this is only the tip of the iceberg and that reposessions of homes have already went ahead due to shady factors/lawyers ...[/quote] roor06
it's you who is saying that the negative comments on Marianne's piece is just ".... attempts at trying to rubbish her facts".
I just asked you if can you tell me the facts that you think have been unfairly rubbished?
roor06 wrote:
X Factor ... No facts have been rubbished by the journalist ... I believe this is only the tip of the iceberg and that reposessions of homes have already went ahead due to shady factors/lawyers ...
roor06
it's you who is saying that the negative comments on Marianne's piece is just ".... attempts at trying to rubbish her facts".
I just asked you if can you tell me the facts that you think have been unfairly rubbished?
Posted by: stephensimmons, Glagow on 4:54pm Thu 7 Feb 08
[quote][bold]The X Factor[/bold] wrote:
[quote][bold]hightower[/bold] wrote: the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people. They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind[/quote] One of the alarmist stories in the ET was about the high price of light bulbs etc. Of course this charge was for sending an electrician to replace the light and there is no point me going on abut how pricey that is. You could let people have a go themselves but what if they fall, get electrocuted, make an arse of the repair, break a fitment etc etc? In real life what actually happens of course is that nobody bothers to sweep the landing, why would they bother with communal maintenance? Want to try being a factor? old rope? seems easy money? ok try calling out a spark tonight [italic]hightower[/italic] , then get the invoice, then you pay it up front, then you split it up according to the various responsibilities depending on what it says on the conditions of sale for each house, then be prepared to argue withthe owners who will want details down to every piece of sandpaper used or whatever, then you chase them for the money then you sit back and enjoy the unbalanced reporting from someone like Marianne. Employ operatives directly? Ok remember you are responsible for their welfare, add on 25% for oncosts, make sure you pay them up front, cover for hols and sickness, deal with redundancy, pay extra for shifts (you need more operatives for that btw) or get contractors out - oops you pay a premium for that. Pay all of this up front then send the owners their share of the bills, etc etc (see above). Who wouldn't agree that Factors need to deliver value for money but they are necessary!!!! [/quote] The most succinct and sensible post in the last 3 days - interstingly hightower, you say factors charge 10,3 and then 2 times the amount the repair should be - will this keep falling?
No excuses for poor communication or those ridiculous mounting admin charges however i think some of these posts are in essence complaining about the amount it costs to get trades in and not actually the factor. I personally wish I had been a plumber....
The X Factor wrote:
hightower wrote: the problem with factors is they charge far too much for small jobs that sholud be about a tenth of what they charge. secondly, my factors dont even employ their own tradesmen, so naturally everything will cost more because they havent the wit to employ these people. They are extraordinarilly quick to demand money from you (and in my case for a quite awful service and everyone i have spoken to in my building has agreed with me) but when you want something done they either ignore the request or take months to do it. Is it any wonder owners get f****d off and dont want ot payt for a crap service. On numerous occasions we have received estimates for jobs from the factors that have been double or triple what residents in the building have obtained on their own, and we constantly get charged hundreds of pounds for painting doors and changing single broken windpw panels in doors. Is it any wonder people have very few good things to say about factors? money for old rope springs to mind
One of the alarmist stories in the ET was about the high price of light bulbs etc. Of course this charge was for sending an electrician to replace the light and there is no point me going on abut how pricey that is. You could let people have a go themselves but what if they fall, get electrocuted, make an arse of the repair, break a fitment etc etc? In real life what actually happens of course is that nobody bothers to sweep the landing, why would they bother with communal maintenance? Want to try being a factor? old rope? seems easy money? ok try calling out a spark tonight hightower , then get the invoice, then you pay it up front, then you split it up according to the various responsibilities depending on what it says on the conditions of sale for each house, then be prepared to argue withthe owners who will want details down to every piece of sandpaper used or whatever, then you chase them for the money then you sit back and enjoy the unbalanced reporting from someone like Marianne. Employ operatives directly? Ok remember you are responsible for their welfare, add on 25% for oncosts, make sure you pay them up front, cover for hols and sickness, deal with redundancy, pay extra for shifts (you need more operatives for that btw) or get contractors out - oops you pay a premium for that. Pay all of this up front then send the owners their share of the bills, etc etc (see above). Who wouldn't agree that Factors need to deliver value for money but they are necessary!!!!
The most succinct and sensible post in the last 3 days - interstingly hightower, you say factors charge 10,3 and then 2 times the amount the repair should be - will this keep falling?
No excuses for poor communication or those ridiculous mounting admin charges however i think some of these posts are in essence complaining about the amount it costs to get trades in and not actually the factor. I personally wish I had been a plumber....
Posted by: roor06, glasgow on 5:15pm Thu 7 Feb 08
X Factor ...
The rubbishing I refer to are the posts, most probably being by made by the crooks who are involved in this money making scam ...
Who feel they have to protect their employment ...
X Factor ...
The rubbishing I refer to are the posts, most probably being by made by the crooks who are involved in this money making scam ...
Who feel they have to protect their employment ...
Posted by: The X Factor, Glasgow on 5:17pm Thu 7 Feb 08
[quote][bold]jeanbean[/bold] wrote:
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever. [/quote] Jeanbean,
I wouldn't pay this. Its not maintainance - its a service and you clearly don't get any benefit from it.
But.... you need to know what you agreed to when you bought the house. I still think you you will win the argument but consult a lawyer if you are with-holding the payment. (if you are short of cash, try at a CAB or a Law Centre - Legal Services Agency for example are excellent although I am not sure if they deal with this specific area of work ) !!
jeanbean wrote:
I am a home owner, I live in a tenement ground level, back and front door. I do not have access to the comunal door leading to the upper flats. My factors, Cadder Housing, are demanding payment for the cleaning of the common close and stairs to which I have no access whatsoever.
Jeanbean,
I wouldn't pay this. Its not maintainance - its a service and you clearly don't get any benefit from it.
But.... you need to know what you agreed to when you bought the house. I still think you you will win the argument but consult a lawyer if you are with-holding the payment. (if you are short of cash, try at a CAB or a Law Centre - Legal Services Agency for example are excellent although I am not sure if they deal with this specific area of work ) !!
Posted by: roor06, glasgow on 5:21pm Thu 7 Feb 08
OH, and Mr simmons give it a rest , the people can see through you , same goes for X Factor ...
OH, and Mr simmons give it a rest , the people can see through you , same goes for X Factor ...
Posted by: The X Factor, Glasgow on 5:22pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
X Factor ... The rubbishing I refer to are the posts, most probably being by made by the crooks who are involved in this money making scam ... Who feel they have to protect their employment ... [/quote] I thought you would just answer with some vague insult rather than any analysis
ps I am not a lawyer but I have working in public housing (Council and Housing Associations) for 25 years and I have seen right to buy houses drift from being the best looking with shiny new doors and off street paviours to [bold][italic]often[/italic] [/bold] now looking the shabbiest with a lack of proper maintenance to the important things like roofs, windows, cladding etc. Drive around any Council estate and you will see what I mean. Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts.
roor06 wrote:
X Factor ... The rubbishing I refer to are the posts, most probably being by made by the crooks who are involved in this money making scam ... Who feel they have to protect their employment ...
I thought you would just answer with some vague insult rather than any analysis
ps I am not a lawyer but I have working in public housing (Council and Housing Associations) for 25 years and I have seen right to buy houses drift from being the best looking with shiny new doors and off street paviours to
often now looking the shabbiest with a lack of proper maintenance to the important things like roofs, windows, cladding etc. Drive around any Council estate and you will see what I mean. Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts.
Posted by: roor06, glasgow on 5:41pm Thu 7 Feb 08
X Factor ...
You just mentioned the biggest rip-off lately and this is cladding ...
Rockwool,mortar and paint yet this equates into thousands of pounds for the homeowner, many who cant afford it, if they dont pay then, they could end up homeless, sureley they have to tone down the way in which they collect this money without resorting to legal action ...
X Factor ...
You just mentioned the biggest rip-off lately and this is cladding ...
Rockwool,mortar and paint yet this equates into thousands of pounds for the homeowner, many who cant afford it, if they dont pay then, they could end up homeless, sureley they have to tone down the way in which they collect this money without resorting to legal action ...
Posted by: hightower, glasgow on 5:47pm Thu 7 Feb 08
stephensimmons i could show you bills that have all those multiples on them, 10, 3 and 2. It seems the smaller the cost the more they seem to inflate the cost. I was even charged for work the contractor told me, quite expicitly, that the factors would be paying and then i get a bill. i have it in writing, what do you think of that?
stephensimmons i could show you bills that have all those multiples on them, 10, 3 and 2. It seems the smaller the cost the more they seem to inflate the cost. I was even charged for work the contractor told me, quite expicitly, that the factors would be paying and then i get a bill. i have it in writing, what do you think of that?
Posted by: hightower, glasgow on 5:50pm Thu 7 Feb 08
x factor, would you be a factor by any chance. I know it is not a easy job, I just object to paying such ridiculous fees for insignificant jobs for example over £400 to powerwash an area of paving no more than 20m square and would have taken less than 30 mins to do. Now is that value for money or ethically or morally correct.
x factor, would you be a factor by any chance. I know it is not a easy job, I just object to paying such ridiculous fees for insignificant jobs for example over £400 to powerwash an area of paving no more than 20m square and would have taken less than 30 mins to do. Now is that value for money or ethically or morally correct.
Posted by: bluey, glasgow on 6:34pm Thu 7 Feb 08
I second X Factor in the observation that Factors are an unpopular but necessary evil (excluding the rogue ones) and that without them owners are likely to neglect properties.
However, I dispute the following observation.
"Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts. "
In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
I second X Factor in the observation that Factors are an unpopular but necessary evil (excluding the rogue ones) and that without them owners are likely to neglect properties.
However, I dispute the following observation.
"Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts. "
In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
Posted by: bluey, glasgow on 6:36pm Thu 7 Feb 08
I second X Factor in the observation that Factors are an unpopular but necessary evil (excluding the rogue ones) and that without them owners are likely to neglect properties.
However, I dispute the following observation.
"Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts. "
In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
I second X Factor in the observation that Factors are an unpopular but necessary evil (excluding the rogue ones) and that without them owners are likely to neglect properties.
However, I dispute the following observation.
"Individualy, home owners will not carry out sufficient maintenance to their own property never mind the communally owned parts. "
In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
Posted by: bluey, glasgow on 6:42pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
Dont shoot me I"m only the piano player springs to mind ... The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ... The journalist - Marrianne Taylor should be recommended for this piece ... Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...[/quote] No, some factors are shady. Marianne Taylor's reportage is very uneven. She hasn't covered the fact that unfactored or self-factored properties encounter significant issues through neglecting maintenance.
It hasn't been balanced out by making clear that self-factoring or non-factoring encourages many owners not to pay.
They are unmotivated, safe in the knowledge that their neighbours do not have the knowledge or resources to enforce their legal obligation to keep the common areas clean, safe and in a good state of repair and they don't bother with buildings insurance, either, which is also mandatory.
roor06 wrote:
Dont shoot me I"m only the piano player springs to mind ... The ET has touched a raw nerve, and has to be applauded for bringing this subject into the public domain ... The journalist - Marrianne Taylor should be recommended for this piece ... Despite attempts at trying to rubbish her facts, the vast majority seem to be in aggreement that, Factors are shady ...
No, some factors are shady. Marianne Taylor's reportage is very uneven. She hasn't covered the fact that unfactored or self-factored properties encounter significant issues through neglecting maintenance.
It hasn't been balanced out by making clear that self-factoring or non-factoring encourages many owners not to pay.
They are unmotivated, safe in the knowledge that their neighbours do not have the knowledge or resources to enforce their legal obligation to keep the common areas clean, safe and in a good state of repair and they don't bother with buildings insurance, either, which is also mandatory.
Posted by: Meep, Shawlands on 6:47pm Thu 7 Feb 08
I think some of the landlords coming on here dissing people who havent got the service for their money need to shoosh. Anyway a lot of you buy to let landlords are in for a nasty shock this year with interest rates going through the roof, and a lack of interest for paying £500 a month for nothing. If the pussycow factors cant even follow their own contracts then i welcome their day in court to see them getting a healthy good slapping!!!
I think some of the landlords coming on here dissing people who havent got the service for their money need to shoosh. Anyway a lot of you buy to let landlords are in for a nasty shock this year with interest rates going through the roof, and a lack of interest for paying £500 a month for nothing. If the pussycow factors cant even follow their own contracts then i welcome their day in court to see them getting a healthy good slapping!!!
Posted by: roor06, glasgow on 6:50pm Thu 7 Feb 08
Bluey ...
With respect but, all the ill feeling is really about what people are being charged for and the work that is being carried out,some of it bogus,then all the court actions/repossession orders being dished out ...
Oh, and what business is it to you what possessions your neighbours have ...
Bluey ...
With respect but, all the ill feeling is really about what people are being charged for and the work that is being carried out,some of it bogus,then all the court actions/repossession orders being dished out ...
Oh, and what business is it to you what possessions your neighbours have ...
Posted by: mulross, Glasgow on 7:16pm Thu 7 Feb 08
[quote]In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
[/quote]
Completely agree - their own flats are like palaces but they are happy to walk through a pigsty (the common close and entrance) to reach it. Dirty hankies, fag-ends, chewing gum etc - just dump it before you cross over your own threshold.
In my experience of self-factoring, owners think nothing of refurbishing their flats from top to bottom internally, stocking them with the latest furnishings and electrical goods while parking a big motor outside but will quibble at a tenner a month to prevent the common areas from degrading.
Their homes are their castles but only after stepping over the threshold. Largely, they resent paying a regular token sum to keep the roof shod, the drains clear and the stairs/backyard clean.
Completely agree - their own flats are like palaces but they are happy to walk through a pigsty (the common close and entrance) to reach it. Dirty hankies, fag-ends, chewing gum etc - just dump it before you cross over your own threshold.
Posted by: roor06, glasgow on 7:44pm Thu 7 Feb 08
Suspect most of the littering thats going on in your close is down to young people with nowhere to go ...
Think back when you were young and had nothing to do ...
YOur lucky its only dirty hankies and fag ends ...
Suspect most of the littering thats going on in your close is down to young people with nowhere to go ...
Think back when you were young and had nothing to do ...
YOur lucky its only dirty hankies and fag ends ...
Posted by: eddie mcmillan, paisley on 8:41pm Thu 7 Feb 08
I have been following your campaign and surprised at the others having the same problems. my debate is with ross and liddell and i have the same threats as the others with legal action but also with my building insurance. i am getting charged for something i have had in place since i got my flat almost two years ago and still ross and liddell will not remove the charge. i am not in the habit of paying something twice.i am withholding any payments until it is rectified. it's time to stand up to them!i am seriously thinking of contacting a lawyer about taking them to court for stress.my mobile number is 07743922724 if you wish to text me
I have been following your campaign and surprised at the others having the same problems. my debate is with ross and liddell and i have the same threats as the others with legal action but also with my building insurance. i am getting charged for something i have had in place since i got my flat almost two years ago and still ross and liddell will not remove the charge. i am not in the habit of paying something twice.i am withholding any payments until it is rectified. it's time to stand up to them!i am seriously thinking of contacting a lawyer about taking them to court for stress.my mobile number is 07743922724 if you wish to text me
Posted by: bubbleman, london on 8:57pm Thu 7 Feb 08
Oh sh1t! Mah bulbs jist conked oot! :)
Oh sh1t! Mah bulbs jist conked oot! :)
Posted by: bluey, glasgow on 8:58pm Thu 7 Feb 08
[quote][bold]roor06[/bold] wrote:
Bluey ... With respect but, all the ill feeling is really about what people are being charged for and the work that is being carried out,some of it bogus,then all the court actions/repossession orders being dished out ... Oh, and what business is it to you what possessions your neighbours have ...[/quote] Yes, there's considerable ill-feeling about rogue Factors that offer disgraceful services that need a good public airing.
But this has to be put in a broader context, including the unpopular notion that there are actually good Factors and that self-factoring is not necessarily a panacea.
Affluent owners in self-factored buildings will nit-pick to the nearest penny about modest invoices for necessary repairs that they refuse to contribute to and are being subsidised by folk on state pensions.
In other words, self-factoring can offer an affordable alternative to professional property management.
Unfortunately, it is exploited by those who can afford to pay, are obliged to meet their legal responsibilities but just shrug their shoulders and let the property go to pot.
roor06 wrote:
Bluey ... With respect but, all the ill feeling is really about what people are being charged for and the work that is being carried out,some of it bogus,then all the court actions/repossession orders being dished out ... Oh, and what business is it to you what possessions your neighbours have ...
Yes, there's considerable ill-feeling about rogue Factors that offer disgraceful services that need a good public airing.
But this has to be put in a broader context, including the unpopular notion that there are actually good Factors and that self-factoring is not necessarily a panacea.
Affluent owners in self-factored buildings will nit-pick to the nearest penny about modest invoices for necessary repairs that they refuse to contribute to and are being subsidised by folk on state pensions.
In other words, self-factoring can offer an affordable alternative to professional property management.
Unfortunately, it is exploited by those who can afford to pay, are obliged to meet their legal responsibilities but just shrug their shoulders and let the property go to pot.
Posted by: Johnny, Glasgow on 9:13pm Thu 7 Feb 08
[bold]Methinks all the positive comments about factors are actually from factors especially......Scht
um![/bold]
Methinks all the positive comments about factors are actually from factors especially......Scht
um! Posted by: roor06, glasgow on 9:23pm Thu 7 Feb 08
Bluey ...
I reside in a high rise tower ...
Ex- Council, There is no way I can keep tabs on the repairs they are billing me for , and I suspect , the factor knows this ...
Bluey ...
I reside in a high rise tower ...
Ex- Council, There is no way I can keep tabs on the repairs they are billing me for , and I suspect , the factor knows this ...
Posted by: tiberious, Glasgow on 9:56pm Thu 7 Feb 08
Eddie McMillan. If Doss & Fiddle have a policy in place for the block, then they are unlikely to remove the premiums for your bill. You should have been advised of the existance of this policy when you bought. Also, R&L should have asked you for your mortgage details and should have advised your lender of the communal policy. There is something in the law that says a mortgage lender is obliged to release you from their tied insurance if a communal policy is in place. R&L could have written to them to confirm this. (assuming that it is your mortgage lender who the other policy is with)
You are on to a sticky wicket with this one cause it has been ongoing for two years. You may be able to get one year's "duplicate" premiums back but you will probably have to ask both insurers to refund you 50% each.
As far as I am aware, you are obliged to be part of the communal policy if one exists. You should be paying your R&L premiums. I think you would struggle in court to argue anything other than that. Again, I believe you will find it is in your title deeds.
I may be wrong though. I do not have all the facts and the above is in no way intended to be legal advice. You should seek legal advice on this point from a solicitor or your local CAB.
It is also not advisable to withhold all accounts on the stregth of a dispute over one part of it. If it was me, I would make sure I was paying the other items on the bill regularly.
Good luck with it.
Eddie McMillan. If Doss & Fiddle have a policy in place for the block, then they are unlikely to remove the premiums for your bill. You should have been advised of the existance of this policy when you bought. Also, R&L should have asked you for your mortgage details and should have advised your lender of the communal policy. There is something in the law that says a mortgage lender is obliged to release you from their tied insurance if a communal policy is in place. R&L could have written to them to confirm this. (assuming that it is your mortgage lender who the other policy is with)
You are on to a sticky wicket with this one cause it has been ongoing for two years. You may be able to get one year's "duplicate" premiums back but you will probably have to ask both insurers to refund you 50% each.
As far as I am aware, you are obliged to be part of the communal policy if one exists. You should be paying your R&L premiums. I think you would struggle in court to argue anything other than that. Again, I believe you will find it is in your title deeds.
I may be wrong though. I do not have all the facts and the above is in no way intended to be legal advice. You should seek legal advice on this point from a solicitor or your local CAB.
It is also not advisable to withhold all accounts on the stregth of a dispute over one part of it. If it was me, I would make sure I was paying the other items on the bill regularly.
Good luck with it.
Posted by: roor06, glasgow on 10:28pm Thu 7 Feb 08
Tiberious ...
Your post was appreciated ...
Hope it may help others in this situation ...
Tiberious ...
Your post was appreciated ...
Hope it may help others in this situation ...
Posted by: tam-m, southside on 12:26am Fri 8 Feb 08
i stay in a tenement and never mind factors we had a guy cleaning the stairs and then he stopped saying too many people were not paying so the ones not paying did not bother and still only a handful of people take their turn the three tenants in the close dont even try it ****-s you off keeping the place clean for fat ars-d layabouts who dont give a sh-t but its either that or stay in a manky close.so trying to ge
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