Long story short. 16F was taken on by foster mother after escaping abusive father. During that time foster mother took out credit for iPhone (in image).

16F has now moved back in with original biological mother after foster mother stopped paying 16F her allowance.

Foster mother is now trying to claim that biological mother is liable for the finance of the phone. She's managed to get a social worker to ask her if she'd be willing to take on the finance agreement.

Now I'm almost 100% certain that real mum is not liable for this credit at all. The phone is still in possession of 16F at this point in time.

I am a mutual friend of the biological mother. My first impression is that biological mum is not liable because the debt was taken out in the name of the foster mum.

The price of that phone is far more expensive than what the biological mum would be willing to pay for a phone, so would not even be the sort of thing she would have bought anyway.

What would you advise is the best route forward for biological mum?

In England, I've received this letter chasing a debt for a former resident of my property. I purchased the house over 10 years ago from the previous owner (not the person to who the letter is addressed).

I'm slightly concerned that they are claiming a charging order has been placed on the property. Should I contact them to make it clear this person hasn't lived here for quite some time. Or is this a scare tactic and it's best to ignore?

I have checked online and there is currently no charging order showing against my property.

Me and my girlfriend went to a gig this past Saturday, and when we came home we noticed a few strange things, like lights being on that were turned off, door to our daughter's room being open that had been closed, footprints on a deflated air bed. Nothing had been stolen but someone had definitely been inside my house. One of my neighbours has a ring doorbell so the day after I asked if they had seen anything and if I could look at the footage. They told me that the police had been at my address around 8-9pm, banging on the door and threatening to break in. They have a warrant for a family member who briefly used to live with me, he hasn't lived at my address for at least 2 years and the police have been notified about that on a number of occasions by both of us. On the sunday I contacted Merseyside police asking for some clarification, and to report a break in. I was told police had not entered the property as it would've come up in the system, so it had been reported as a burglary. One hour after the phone call an officer arrived at my address to inform the police actually did enter my property as I had left the back door unlocked ( pretty sure I didn't but there wasn't any damage to the door so, maybe I did? ), but regardless, they came to my house looking for someone they know does not live there anymore and entered my house without leaving a note or anything to say they had been in. I have two rescue dogs at home and they must've been petrified. Is there anything I can do about this legally? I understand they have a warrant ( I have not seen this in person though ) but this does not feel right to me. At the very least I want to be shown the bodycam footage to make sure my dogs weren't harmed and make sure they didn't actually break in. Is there anything I can do or is it just tough luck?

I need some help & advice! This was in England

I visited Sainsburys on the 9th August 2026 for a grocery shop ans Argos collection.

I was visiting my mum and went to the Uxbridge branch which I hadn't visited in a long time because I don't live closeby.

I did my shop and left and didn't realise I needed to do anything. They had newly implemented a Euro Car Parks machine to scan your receipt for free parking.

That is my fault.

I received a fine for £85 (discounted if paid in 2 weeks) on the 20th August and called in Sainsburys to check if I could send in my proof of shop or need to pay. I was told to email them a proof of shopping and they will waive it.

I double checked the email address contact and I sent it all in, card payment, proof of Argos purchase and collection email as well as the fine.

I got another letter in September with an outstanding fine.

I called in and was told the staff member was dealing with them and not to worry. I give my contact info and confirm his email address.

I have now today received a DCBL (Debt Collection Bailiffs Ltd) letter for £155.

It is dated 16th Oct and due on the 30th Oct. It was only mailed in today.

I have called Sainsburys, they say thats not right call back after 2 and they'll be in.

I called DCBL they said cant do anything have to pay.

Euro car parks say no longer in our hands.

I am also currently 37 weeks pregnant and emotional atm so extra stress yay (:

If I was told initially, yep new system you have to pay, then I would have paid the discounted amount 2 months ago.

I don't think have that option anymore. If I pay £155 then can I claim this back from Sainsburys due to negligence? I have proof and calls are all recorded now, but pregnancy has been very stressful.

What can I do to get this sorted and what are my legal options?

My coworker with a superiority complex believes that he can call me off my break if im needed, and I cant leave site. Im a security guard in a shop in a mall, my breaks are either 1 hr or 1 + 1/2 depending on if im working 9 hrs or 12. These breaks are paid and my coworker is now demanding i come off my break if he calls bc he needs me. I told him thats illegal. Am I right?

Quick context:

• I live in England

• I'm 24 years old

• My upstairs neighbour is likely in his 60s

• For this post, I'll refer to my upstairs neighbour as Pete

Rough timeline of events of things he's done:

• 4 years ago: I move in

• For the first year, Pete parks in my parking space. It didn't bother me as I didn't have a car, but was annoying when family came to visit.
  Although, oddly, Pete's parking space is directly next to mine, and he wouldn't use it.

• 3 years ago: My mum is visiting, and as she's leaving, Pete drunkenly enters the building.
  My apartment door is near the main building door, so we see one another straight away. This is my first time actually seeing him in-person.
  Pete looks at me and says "You need to keep the fucking noise down. Slamming doors at 3am every night."
  I laugh, as I think he's doing a bit and joking around. He replies "I'm not joking", and storms off.
  To my knowledge, I am not a noisy neighbour. I'm not even awake at 3am, let alone slamming doors. I go out of my way to make sure I'm never noisy. I turn the TV down is a movie starts getting too loud. I don't even own a speaker, so music is always in my headphones. Etc etc.
  As Pete walks away, my mum asks "Is that the guy parking in your parking spot?", and Pete lost it. He starts walking towards my mum, threatening to fight her. (My mum is about 15 years younger than Pete). She stands her ground and he walks off.

• He stops parking in my parking spot at this point.

• After the above event, he consistently was petty towards me.
  Small things like sighing when he walked past me, ignoring me when I said hello to him, or blowing raspberries at me from his window.
  Some things were more aggressive, like slamming the main building door only when I'm standing right next to it to check my post.

• After a few months, on one occasion, he actually waited until I was walking behind his car to start reversing, and myself and my fiancée had to step out of the way.
  I obviously cannot prove that this was intentional, but with everything else stacked up, it felt intentional.

• All the while, he's been playing music exceptionally loudly. On one occasion, it was so loud that I have a video of my living room door loudly vibrating in its door frame.

• Around 2 years ago, I get a video doorbell. Specifically because I want to have footage if Pete is ever gets aggressive again.

• December, 2 years ago, Pete gets home late at night, and shakes his fist at my doorbell camera.

• April, last year, he gets home late at night, and shakes his fist at my doorbell. For longer this time, and more aggressively.

• Summer, last year, Pete gets home late with his wife, and loudly shouts "We're being recorded! Careful what you say!", his wife is embarrassed and tells him off, to which he is embarrassed that my camera caught him being told off.

• 3 months ago, my windows were open during the heatwave. Pete stands outside and loudly tells a passer-by: "Don't trust him. He's dodgy", whilst pointing at my window.

• 2 months ago Pete tells another neighbour that I'm a "twat", "horrible", and that he "can't stand" me.

• 3 nights ago, he gets home with a friend, and without his friend seeing, sticks his middle finger up to my doorbell camera.

• Last night, he gets home, looks at my doorbell, and says "Wanker!"

I'd understand all of this slightly if I had done something wrong. (Although even then, a mature person would talk to me about what I'm doing, instead of this.)
But, to the best of my knowledge, I've done nothing. I feel like I'm always making sure I'm not bothering my neighbours, whilst he seems to go out of his way to bother me.

The cherry on top is that I've only seen him in-person a handful of times. The time he drunkenly threatened my mother was the first. The other 4 or 5 times have just been walking past each other.

Thinking about it now, I really don't think I've actually seen him in-person for at least the past 6 months. So I truly don't know what he could possibly have against me.

I try to not let it affect me, but I'm not somebody who likes confrontation. So I feel unable to speak to him or his wife about this.
It's making me feel unhappy and threatened in my own home.

Is there anything I can actually do about this situation? Or is everything too petty & mild?

Hi everyone,

Apologies for any formatting as I'm on mobile.

I’m looking for some legal advice and recommendations on what type of solicitor we need to look into the purchase of my house and the situation on our estate.

I bought a new build house four years ago. This is a small development of 50 houses in England. The developer was a small, single site developer, which we found out is based in Ireland. 

The development is still unfinished—the roads and pathways are incomplete, and there are still homes left to be built on a small piece of land at the front. Earlier in the year this land with, planning permission, went to auction but didn't sell. Recently the developer went into administration and is now going through liquidation.

Around 18 months ago residents were on at the council about it being unfinished, as the developer was impossible to contact. We discovered that the developer failed to pay the Section 38? bond to the council before starting to build the estate for completion and adoption of the highways.

A slight caveat to this is my property is on a small cul-de-sac that plans say it's a private road and was not to be adopted, but it is finished, however I do not know who owns this road and whether the S38 would still apply to my property.

Because funding was never secured, the council are claiming they aren't in a position to complete the infrastructure, and since the builder is in liquidation, there are no company assets left to clear it up so we are all a bit stuck with how to proceed.

Has anyone dealt with a similar situation? We want to investigate our original property purchases to see if our conveyancing solicitors missed this during the buying process, to check that our property isn't at risk of a loss of value and figure out how to force a resolution regarding the unfinished estate.

To make matters worse, when I asked my solicitors to look through our paper work they said their governing body wouldn't allow them to do so as they may be found at fault and so it would be a possible conflict of interest and they were not longer able to communicate with me so I had them email all my documents over to myself.

1. What specific type of solicitor should we hire to check through our documents to make sure our house purchase is okay?

2. Do we have any way to force the local authorities to act, given that the infrastructure is a safety issue and they didn't secure the bond? There have been a few accidents due to the road and pathways. 

3. Should I pursue the original solicitor for negligence for failing to flag the road bond? 

Any advice or recommendations would be greatly appreciated. Thanks in advance!

This is England

Recently terminated an AST and surrendered the property

The landlord requested i sent him proof of fully paid utility bills and council tax accounts and send him a forwarding address

The landlord is a professional landlord, has no accounts on his name whatsoever. All accounts are under my name

Told him - in no uncertain terms - all accounts including council tax are under my name, i have notified them the last day of tenancy and any outstanding balance would be between me and them. Whilst not obligated, I also sent him a proof of latest council tax bill showing I’m liable until the last day of tenancy, with my name, the address of the property and account number all clearly stated. And I also told him he can reach out to me on this e-mail for any unresolved matters but not giving him my new residential address.

He now raised a deposit claim, simply stating “the tenant did not provide proof of payment of council tax”

I can deal with the deposit scheme easily. I just uploaded my bill covering tenancy period on my name, as well as full payment, and statement of no balance

I also told council, hey this guy is attempting to collect council tax on your behalf even though he’s aware council tax is under my name- you may wanna check it out, is he entitled to do so etc

I now wonder if this also satisfies sec 2 of the fraud act and whether / how i should report to the police

The landlord
- explicitly knew i’m liable for the council tax
- knew council tax is on my name not his
- nevertheless submitted a claim for council tax payable to himself
- no evidence he paid any council tax himself or suffered any loss

I simply cannot believe he, a professional landlord with dozens of properties, honestly represented himself being entitled to my council tax payment. If he dishonestly represented himself in this case, is it fraud and what should i do?

I found a small bone in the middle of London and someone told me it is likely part of a dog bone (Talus). I'm currently on vacation here and gonna be leaving England with the Eurostar for Brussels. I myself am living in Germany on the 31st. Now I'm questioning whether I can take that small bone with me as a souvenir or whether I need to leave it behind. I don't want to get into any trouble with security or customs or whatever so I thought I'd ask here first. So can I take the bone with me to Belgium?

Hello, so I had my name changed in 2017, I would have been 15 at the time. I was living in North Wales at the point of change. My mother did not contact my father for his consent on the matter and his name is on my birth certificate and they were married when I was born. I am slighlty confused on whether my deed poll is legally binding and what I need to do next. My deed poll has a stamp on it that says 'deed polls online certified official deed poll'. I guess my question is - is it a legal deed poll? and what should I do next?

Thank you

I was recently giving a parking charge from my employer, in a staff car park, during work time. The car park was absolutely chock full so my colleague suggested I park behind her in an area of the car park which meant my small car was entirely off the road, where no one would ever need to be to manoeuvre their vehicle (except my colleague) but not in a marked bay, which is what my ticket is for.

The car park is for staff only but the barrier has been long broken and our permits haven’t been renewed for 18 months so the public use it because there’s no way for parking attendants to differentiate. Therefore the public park there for free and take up a lot of the spaces. We have brought this to the attention of the council multiple times but nothing has changed.

I immediately appealed on the grounds I was in a staff car park, with my (long expired but the most recent one that exists!) permit, at work, during working hours, and I was parked in a way that was in no way detrimental to anyone else. They rejected it and my attempts to escalate it to some sort of management with some common sense were met with telling me this is a statutory process and in order to appeal further I had to wait for a notice to owner which meant the fee would double.

I feel very aggrieved as you can probably tell 😂 am I SOL or do I have options?

August 2025 I move in with live in landlord (A)

September:
-my rent is late two days due to bank processing issues (confirmed by my bank).

-A starts sending aggressive messages calling me a scammer due to the late rent. A's bank is the bank holding it up. A has been showing increasing signs of anxiety and paranoia during the tenancy as well as controlling behaviours (I'm banned from eating fruit unless standing over the sink).

-A moves her mother into the property. A's mother keeps the kitchen door blocked so I'm unable to access food or water easily.

-I go out and place a yellow card to test if A was entering. At 1am I return to an open door, missing jewellery, yellow card gone, items moved

-Same morning at 9am, opens my bedroom door and enters while I'm partially unclothed. A attempts to stop me from closing the door and force is required to get her out. Her mother is outside the door with her.

-I call the police, they broker an agreement for my leaving early and returning my rent pro rata.

- A moves her father in and they both watch me and keep me from accessing the kitchen.

-A informs me that she will be having access to my room whenever she wishes going forward and that I had no rights. I film when she enters my bedroom and she no longer comes in.

-On my leaving date I inform A that I will be filming the kitchen and lounge for my deposit and that neither her nor her father will be in the video. A tells me no. I'm not risking my deposit as the police informed me that A told them she wanted to keep my rent and deposit.

-A's father attempts to grab my phone and use his body to block my entering the kitchen. I use my body weight to enter the kitchen due to being physically stronger than her father. A films while her father does this

-A's father grabs my wrist and leaves me with scratches on my arm. A's father pushes me into the piano as he uses his hand and wrist to do this. He also grabs at my waist and touches my breast.

-I escape and film the rest of the lounge while A films and her and her father follow me around the room. I leave and go to the hallway and bathroom and A and her father follow me. A and her father stand outside the bathroom blocking my exit. I request them to move which they do and I get yelled at.

- I call the police and they help me carry my stuff out. As we leave, A and her father follow us down and yell at me and the officers. The officers tell them to stop and make comments about how upset they are. They drive me to my Airbnb.

-I reach out the police to report this. The officer on my case watches the videos of the assault and victim blames me. He tells me that he and his supervisor both came to the conclusion that I was attempting to stop A's father from leaving and this is why I was hurt. The videos show me trying to escape the fist of A's father. The officer ignores all my followup emails.

-The officer apologises for victim blaming and then takes a statement. The officer stops responding again. The officer wastes 6 months and does not close the case. I'm left without the ability to do a victims right for review because of this.

What can I do? I'm in therapy and in December I have to go to court to try get my deposit back. I was an idiot thinking the police in the uk would help me.

Hi All, long time lurker. We recently committed to have some work to be done at our house in England. The tradesperson was very clear that in order to secure the price we needed to give 50% in advance of the work and 50% on completion. No issue with this. We have chased the company on a few occasions and we get told demand is unprecedented for some of the part and we have gone from a 6 to 8 week lead time in September to late Spring early summer next year on Friday.

At this point I have lost confidence, moreover I really don’t want a sizeable amount of cash sat doing nothing.

On Friday I thanked the company for their update but all things considered I respectfully request a full refund of the deposit. The reply was that the said company was best placed to do the work. Again, politely I said we had made up our mind and request the refund. The message was read but no response.

I messaged again this morning to say, further to my message on Friday, we respectfully request our deposit to be refunded in full within the next 48 hours.

Firstly is our request reasonable?

From here if we get no response, what our options.

Property Type: Purpose-Built Student
Accommodation (PBSA) managed by a national provider (Homes for Students).
Total Contract Value: £9,282.00 (Paid in full upfront via bank transfer ).
Country: England

Hi everyone, I am looking for legal verification on my position after formally repudiating my student accommodation contract due to severe statutory breaches and unlivable conditions.

1. Core Breaches & Timeline
Uninhabitable Move-in: Upon initial handover, the room was in an unacceptable state (dirty, broken fittings. They gave me another room since i refused to stay in a dirty place. The new place came with heating issues and dirt and spiders as well).

12-Day Total Loss of Water: The building suffered a complete loss of running water for 12 consecutive days. Only in my room

Unauthorized Storage: During the water outage, maintenance staff left their equipment overnight and didnt even let me know they were coming beforehand.

Medical Impact: I have a clinically proven diagnosis of anxiety and am on prescribed medication. The extreme stress of living without water and basic sanitation directly triggered four severe panic attacks and severely exacerbated my condition.

2. Actions Taken So Far
Formal Repudiation & Notice: I served written notice terminating the contract under Common Law. I explicitly refused their offer to sign a new portal link/transfer for the new room they gave me.

ANUK National Code Complaint: I lodged an urgent complaint with the ANUK National Code. Code Complaints Officer accepted the case as an urgent Priority 1 Breach (loss of water) and has issued Head Office a hard deadline of November 3rd to respond.

Environmental Health: I formally logged the housing standards and public health violation with Local Environmental Health.

Vacant Possession: I am in the process of cleaning all my personal belongings from the property, taking timestamped videos/photos of the empty room, and surrendering my key fob to reception.
Financial Recovery: I am currently in the process of submitting a £9,282.00 "Services Not Provided" chargeback with my Bank.

My Questions for Legal Experts:
Repudiatory Breach: Given a 12-day complete loss of water, am I legally sound under English contract law in treating the contract as terminated and accepting their breach?
Bank Chargeback Success: Has anyone navigated a debit card chargeback (£9.2k) for student housing under Services Not Provided? What specific evidence should I emphasize to Lloyds to make sure the claim succeeds smoothly?
Ongoing Liability Risk: Once I have given vacant possession, returned keys, and raised the chargeback, can the landlord realistically pursue me for rent given the ANUK investigation and Environmental Health log?

My ex and I separated, but we cannot start divorce proceedings until mid-2027 due to NI law. We have not done a legal financial separation through solicitors due to not being able to afford it. Is there another way to do it? Something between us that we sign maybe in front of witnesses or something that could hold on when we do start divorce? I'm buying a house, and though we are amicable now, I still want to protect myself just in case. The small deposit isn't from marriage assets, but gift from someone else. We've been separated for over a year.

Any advice is appreciated.

​

Hi everyone,

I'm assisting my daughter with a small claim against a car dealership concerning a faulty used vehicle.

The car developed serious engine problems shortly after purchase and was subsequently examined by an third party specialist garage. The garage provided diagnostic findings, photographs and written comments by email, including an opinion about the nature and age of the engine damage.

These findings form an important part of our claim, and the documents have already been shared with the dealership.

We've now received the court's directions for a three-hour hearing, which state:

"No expert evidence is permitted. Any party seeking to rely on expert evidence must make a formal application to the Court identifying the name, expertise and cost of the expert being sought."

I'm trying to understand how this applies to existing garage inspection and diagnostic records, as opposed to commissioning a formal expert witness report specifically for court proceedings.

My questions are:

Can the garage's diagnostic records, photographs and written findings be submitted as ordinary documentary evidence without expert permission?

If the mechanic expresses a technical opinion, particularly about whether the damage was pre-existing, does that automatically make those comments expert evidence requiring permission?

If permission is necessary to rely on the existing written findings, would this require an N244 application, or could a written request to the court suffice?

We are not seeking to appoint a new expert or have the mechanic attend the hearing. We simply want to understand whether the existing evidence can be relied upon and what procedural steps are necessary.

I've contacted the court for clarification but would appreciate any experience or guidance from those familiar with small claims proceedings in England and Wales.

Many thanks.

*Edited for clarity

Bought a second hand car 2018 from a VW dealership about 7 weeks ago.

I took it back into them to have the car checked over as it was leaking from a couple spots on the car. They wanted to charge for the inspection work £800+ and then for parts etc on top as water ingress is not covered under warranty.

I have negotiated that it is unfair that they sold me a car that leaks and when they bought it and sold it on to me it was the middle of one of the driest summers so that it wouldn’t show signs of leaking. They’ve done the investigation and now want £800 to fix the issue.

Can I get thoughts / advice as I would expect the Consumer Rights Act to come into play here, they’ve sold a product to me which doesn’t function as it should do.

Thanks

So I have lived in a residential block of flats for nearly a year. It is walled and gated. These are private rent properties and not council housing. Location is Scotland.

There is a scrap yard directly next to the estate which has been continuously leaving vehicles abandoned within the residential car park.

It is very clear what is part of the scrap yard and what is part of the residential car park. The property boundaries are walled and gated. There is no direct access from the scrap yard to the car park, you need to access via a public road (imagine leaving your own driveway just to turn into your neighbours driveway two doors down).

A lot of these vehicles are untaxed and have no MOT, some even SORN (I have checked DVLA). Many of them have flat tyres, rusting parts, headlights hanging off etc, quite clearly not fit for driving and in a general poor condition. One of them has sat for so long there is a thin green layer of algae/mould growing on the exterior and weeds growing up around the wheels.

These vehicles are taking up a good chunk of space within the car park, stopping residents from parking and they are just generally quite an eyesore. Basically just a big inconvenience. In a year, I have seen the scrap yard open maybe a handful of times, definitely less than 10 total so you can imagine how long these vehicles sit around for. Occasionally one will disappear after sitting abandoned for months, only for another to replace it days later.

I do not know if the owner of the scrap yard lives in the residential flats.

What are the legal options available (if any) to see that these vehicles get removed?

Hello.

Hope everyone is well. Met police had seized my property ( my phone a while back in june) and they had not returned it even after the case went NFA. None of my emails are responded ever by the OIC and I have made plenty of phone calls to 101 that led to somebody phoning me back which led to nowhere. I was told the OIC has been long tern off sick ( which I think is a lie) has miraculously arranged for me to collect the phone twice via my duty solicitor but I was made to stand outside the station for hours and eventually I had to go away. He was not available, I was told. I also made a complaint but apparently the caseworker can't help with property collection and only deals with public complaints although he sent an email to the OIC. I was also phoned by a non withheld number and was asked to come a few days ago to collect it but they didn't open the door and the number they phoned me from was apparently not on their system.

Idek what I couod do at this point. Each complaint through 101 leads to a callback and they say "leave that with me" and nothing happens

4 times I was asked to show up at the station and they simply ignored. The station is not open to public and has no front desk. It's only got a buzzer outside.

Pls any help is greatly appreciated. Also I cannot afford a solicitor and my duty solicitor said his duties are over once the case was NFA d. I even contacted an MP who sent them a letter and even that led to nothing.

Any suggestions?

Hello,

We were issues with a section 8 notice by our Landlord a couple of months ago. We were given the four months notice. As a result, we have been looking and have found another property to move to which would mean we would need to give notice and leave before the end of the notice period. We know that once given a section 8 notice, the landlord cannot relet the property for a 12 month period but if we leave before the end of the notice period would this still be the case or could the landlord decide they want to relet the property again? If we weren't given section 8 notice, we would not have left the property but obviously can't sit and wait around in hopes of finding a property still available for the date we would have otherwise left.

We just feel like it could be a way of getting us out and jacking up the rent more and getting someone else in to pay it by knowing we would have to leave before the end of the 4 month notice. Can anyone advise or tell us where to look?

Edit: the grounds given for section 8 were to sell the property

Thank you all in advance

​

Context: This is our first time renting a property, we are all 21 & 22. We are renting a basement apartment with practically no ventilation and none of us can properly afford to move out right now.

For the past 15 days (starting on 11/10/1/26)water has been leaking into our apartment from the ceiling. As soon as it happened we emailed our Letting Agents (it was 1am), and called the Block Management emergency number.

As per advice from the block management, we spoke with the tenants upstairs and they shut their water off and said they would get a plumber in the morning.

The next day (a Sunday, so we still couldn't call our letting agents) our letting agents replied via email essentially stating if the building caused the damage (ie: communal piping) that it was the block management's responsibility to repair, as well as any damage to the property.

Importantly they also said they had let the Landlord know.

The same day the tenants above us, text us saying they had a plumber around and that he had found no issues.

Call block management again and inform them, yet they say that since the leaking had calmed down it was likely not communal piping (i.e not their responsibility).

All we could then do, since the tenants had a plumber around and the leaking was still happening intermittently, was constantly email and call our Letting Agents to figure it out. (since after all it IS their property being actively damaged.

For week one they said they were trying to get in contact with the Portfolio Manager of the block management so that he could get someone to sort t.

After a week our letting agents finally sent someone around to find and fix the leak themselves. By this point mold is actively growing in the ceiling and there is no ventilation.

(important note, the lighting circuit has been out this entire time which includes the ventilator fan in the bathroom. We were using a dehumidifier however it clearly wasn't helpong much.)

The plumber gets let into the apartment above us and immediately finds a break in their bath's sealant. He says to us that he isn't convinced that is the cause however since their bathroom is not above ours and sealant breakage would cause nowhere near that much leaking.

He says he will come around the next day and take off the bathroom ceiling to find if any pipes are disconnected.

The next day our letting agent emails us stating they are confident it is the upstairs tenants bath and that no-one will be coming round as it is their landlord's responsibility to fix the leak and any 'remedials'.

Every day we contact our letting agent via email and phone for updates and every day we get the same response: "we are trying to contact their landlord, however we cannot."

Fast forward to day 14 (25/10/26), they tell us they are finally in contact with the landlord above and he will be fixing the leak the next day and then will be responsible for any 'remedials'.

By this point we are actively couch surfing whenever we can because the mold is so bad it is affecting our health.

Come day 15 and I come back from work to find the ceiling has fully collapsed.

It feel like our letting agent has been avoiding any and all responsibility to fix this and simply leaving it up to others to fix for them.

Is our letting agent at fault and what should our next steps be, since we cannot live here anymore?

I met my flatmate on SpareRoom and we moved in together in June. It’s a joint tenancy, but we each pay our own share separately.

Things have generally been OK, except that their rent has been late since August. They spoke to the landlord, got an extension, and cleared most of it in September, but it was late again in October.

They’ve been AWOL since the middle of the month. They seem to have blocked my calls, and the landlord can’t get hold of them either.

The outstanding debt is likely to grow, and I’d obviously like to get out of this arrangement. I’m very aware that I’m jointly liable and may need to cover their share, then possibly claim it back through small claims court. But I wanted to check a few things:

1. Can I end the tenancy without their involvement?
2. How long does the landlord typically wait before serving a Section 8 notice?
3. The tenancy didn’t require guarantors, but I have their employer and family contacts. Is it worth asking whether they’ve heard from them? It feels like a bad idea, but I’m out of options here

Hi guys, I have been working at this company for 3 years now, and my review is coming up next week. For context I am working in IT Support as a consultant, but am not explicitly first or second line, there isn’t really any of that structure, and you just take any jobs that come in and are expected to know how to do them.

After requesting training multiple times and not getting any (I started here doing an apprenticeship which I finished around May), I have started looking at other jobs. There are jobs which I could easily apply for that are first line and remote and offer 29k per year.

This made me wonder about my own pay, because it sucks, and that’s because it’s only 20k per year, and after having a look I’m pretty sure that the minimum wage for my age (20) is like 22k. This is Scotland btw. The company does also operate in England, so unsure if that changes anything, but I live and work in Scotland and always have.

So I would just like to make sure I’m going into my review with ALL the facts about my pay. Am I being underpaid? is there something I’m missing? If so I’ve been getting underpaid for months. Would I be owed anything?

I work 35 hours a week, I am paid monthly, I am 90% sure my contract does not specify anything about pay but I’ll double check. I’m pretty much full time, but I don’t get paid for lunch which is why it’s 35 instead of 40 hours.

Any and all help is greatly appreciated, thank you.

EDIT: Thank you guys! Looks like my employer is just paying me minimum wage for a job that I could be getting paid 10k more for! I’ll just go and find a new job because FUCK THIS SHIT.

Hi all

I’m having some frustrations with a transfer of equity and hope to get some advice.

The mortgage provider is failing to provide me with any updates on the process of the transfer, refuses to give me ball park timeline, and I haven’t been contacted by the bank or any solicitors during the 3 months this has been ongoing. I understand most of the leg work will be done by the parties staying on the mortgage, but it seems weird to me that I haven’t even consented to this formally (this is my desired outcome, so would consent if they asked)
My only involvement so far has been emailing my ex the settlement figure we’ve agreed too. I’ve been told by the ex that the case is now with the solicitors and they deal exclusively by post with wet signatures, but I don’t really trust anything they say. I haven’t received any post and it’s been over a week since this was stated.

Is this normal?
What details should the bank provide me?
Will the solicitors deal only via post?
How long does this process usually take?

TIA

Context(some details vague for anonymity): for the last couple years I have been trying to remove myself from the mortgage of the property my ex and I purchased together. Initially we agreed a transfer of equity from myself to them and their new partner. This was agreeable until it came to my settlement figure, which was more than they were willing to pay due to their perceived valuation of the house, and they didn’t try and negotiate.

It was then agreed we would sell the house, split the ERC, and be on our ways. The whole house selling process was done, a buyer negotiated with and a price agreed, before my ex said 1 day after the agreement that they didn’t want to sell and would instead go back to the transfer of equity, but with a settlement figure inline with the house sale price. I agreed, given I would still come out with positive equity and be able to move on with my life.