Questions of Cash: I moved out but it didn't stop flow of water bills
Friday 18 January 2013
Q. I rented a house from August 2008 to August 2009, paying rent and all bills to the end of August 2009. The house was rented from Real Properties (Doncaster) Ltd, whose registered office was in Retford, Nottinghamshire. This company has since gone into liquidation.
Unfortunately, the landlord apparently ignored all letters from Anglian Water asking for the name of the person responsible for paying the water bill for the period from September 2009. The property was in a very poor state of repair and I believe that extensive improvement work began after I vacated the property, but was not completed prior to the company going into administration. I also believe that the property is still unoccupied.
I am now being pursued by Advantis debt collectors, asking me to pay the water bill for the period from September 2009 to the present day. At their request, I have provided evidence of the addresses I have lived in from that time. Anglian Water must be able to confirm these addresses, as I have paid its water bills for these addresses. Surely, responsibility for water bills passes back to the landlord once the tenant has moved out. CG, Doncaster.
A. The Companies House register confirms that Real Properties (Doncaster) Ltd was dissolved in October last year. Consequently we took the matter up with Anglian Water. A spokesman said: "Our debt collection agency contacted [the reader] as she was still listed as the bill payer at the address until very recently. Following the query from The Independent however, an investigation has confirmed that she did indeed move out in 2009. Clearly, she is not liable for the arrears as she was not living at the address. We have now spoken to the collection agency and [the reader] should not have any further contact from them." Anglian Water apologises for the requests for payment that were sent to you.
Q. We recently had a new gas boiler installed by our usual gas fitter, who is fully certificated to carry out gas installations and whose workmanship is excellent. He purchased for us a new Baxi Potterton boiler from Plumb Centre and fitted it at a cost, including parts, of £1,750. The boiler developed a major leak within days and Plumb Centre changed it for another. The second boiler leaked in a similar way.
My supplier persuaded Baxi's engineer to attend our house, who confirmed that the heat exchanger, the core of the boiler, was leaking. New components have been ordered, but after the same failure with two boilers, I am not convinced that these boilers are of adequate quality.
I wrote to Baxi, arguing that the quality was unacceptable, but I have not received a reply to my letter, nor has our gas fitter received replies to the emails of complaint that he sent to Baxi. Our fitter and ourselves have been inconvenienced and we expected more of a premium priced product. DH, West Midlands.
A. We put your complaint to Baxi. Its managing director for domestic boilers, Andrew Keating, responded: "The heat exchanger used in the Potterton Apollo is a highly reliable product. It is extremely unusual for a heat exchanger of this type to have failed. We are very keen to examine both the heat exchangers and installation on site to see if we can determine what has caused the system failure. Our own engineers were on site to investigate and resolve the problem.
We are providing [the reader] with a five-year warranty, free of charge, which is three years more than the standard two-year warranty that comes with the Potterton Apollo … We would like to stress that we take the quality and reliability of our products extremely seriously and will do all we can to ensure that this matter is resolved." He added the company has no record of your letter being received and that action was taken in response to your fitter's emails to the company.
Q. On 29 December, articles by Simon Read and Rob Griffin considered the transfer of assets by husbands and wives to the one with a lower or non-rate of income tax. Where this involves transferring the ownership of shares, should this be done by advising the registrar of the company? What is the situation on fixed-rate cash ISAs? Can the tax-free concession be transferred to the spouse? What is the situation for anyone having a form R85 savings if the instruction is terminated and does income tax then only apply from that date onwards in the tax year? JL, by email.
A. Mark Giddens, the head of private-client services at accountancy firm UHY Hacker Young, said: "On the assumption that the shares are not held through a nominee – for example, where they are held as part of a managed portfolio – the simplest way to effect a transfer from husband to wife (or vice-versa) will be via the registrar for the company concerned. The full name of an ISA is an Individual Savings Account and as the name implies, this can be held only by the individual. Monies can be withdrawn and transferred to a husband or wife for them to invest, but that investment will count towards their personal ISA allowance.
Regarding the form R85, if the form is withdrawn and the instruction to pay interest gross terminated, you can expect the bank or building society to deduct tax from all future interest credits. Note that it is your responsibility to monitor your tax position.
If your untaxed income for the tax year in question is not fully covered by your personal allowance, you should advise HM Revenue & Customs." (A form R85 notifies a bank or building society that the account holder is not liable for tax on the interest paid. Where a person's income goes up, above their annual tax-free allowance, they have a responsibility to notify HMRC of this change. A separate R85 must be completed for each bank and building society with which a person holds an account.)
Independent Partners: See how much you could save by switching credit cards. Compare now
Geoffrey Macnab does not like the comedian's big screen debut
Look beyond the usual shows for the best festive telly
elephant appealThe first 23 lots in our charity auction have now gone. But there are 22 more still up for grabs
The battle for control of Stieg Larsson's £30m legacy
- 1 Bonuses for goals and top four finish as Luiz Suarez joins Premier League's top three earners
- 2 Sun will 'flip upside down' within weeks, says Nasa
- 3 #Teamnigella: It’s the only side to be on
- 4 Christmas comes early: Justin Bieber is 'retiring from music'
- 5 Burglar steals video tapes of child abuse, hands them into police
Exclusive: Young people ‘want UK to stay in Europe’: Four in 10 adults aged 18 to 24 are ‘firmly in favour’ of membership, poll shows
Tom Daley ‘is gay because his father died’ says UK evangelist
Iain Duncan Smith leaves Commons food banks debate early
Kiss and yell: Italian protester charged with sexual assault after kissing riot police officer
PM denies two child limit for benefits is part of Tory welfare policy
Anachronistic and iniquitous, grammar schools are a blot on the British education system
- < Previous
- Next >
iJobs Money & Business
£Negotiable: Citifocus: High calibre individual with institutional client serv...
£120000 - £150000 per annum: Cornwallis Elt : Programme Manager, Strategy Lead...
£55000 - £120000 per annum: Pro-Recruitment Group: The Financial Services Tran...
£600 - £700 per day: Harrington Starr: Client based in West London is looking ...
Day In a Page
A three-bedrrom flat with 2,733sq feet of living space, a beautiful private garden and 15 acres of communal grounds
A four-bedroom chalet bungalow with three bathrooms and a spacious garden, £525,000
A two-bedroom flat with an open plan kitchen and two balconies, close to Arsenal station
A six-bedroom farm house with separate, detached cottages and 371 acres of land
A two-bedroom cottage with parquet floors, chunky beams and an open fireplace
A Grade II-listed home with six bedrooms, secluded landscaped gardens and views across Hadley Green
A Grade II-listed mansion with two apartments and a cottage, near Gretna Green
A three-bedroom Grade II-listed mews house with vaulted ceilings and roof garden
A spacious Grade II-listed family home with annexe and equestrian facilities among four acres of land in Itchingfield
A four-bedroom home with exposed brick walls and open fires in the picturesque village of Northill
A Grade II-listed property with five bedrooms and unique tower, overlooking Hastings Old Town
A charming five-bedroom detached family home, set within half an acre in Kew
A two-bedroom maisonette set on the top two floors of a period building, close to Kentish Town Tube.
Take advantage of the extra space provided by former stables and outbuildings at this five-bedroom farmhouse.
This three-bedroom Victorian terrace is near to Queen’s Road Peckham station, Nunhead station.
A five-bedroom modern house with terrace, swimming pool, Zen treehouse and large carp pond
An unexpected gem with four bedrooms, remarkable vaulted reception and a galleried study area
A five-bedroom house in one of Lymington's most sought after tree lined avenues, moments from the marinas and sailing clubs
A grand early 19th century B&B close to the historic harbour, with four en suite bedrooms
A four-bedroom, 17th century home with walled gardens, a landscaped terrace, cellar and open fires
A six-bedroom house with five bathrooms and four reception rooms spread over 4,000sq ft of luxury living space
A stunning three double-bedroom apartment with two decked terraces in the exclusive gated community, Bromyard House
A 10-bedroom period, family home amid beautiful surroundings in the centre of the Wentworth Estate in Longcross village
A stylish three-bedroom apartment with two bathrooms and private landscaped garden, moments from Fitzroy Square
A Grade II-listed Elizabethan barn with landscaped gardens, exposed elm beams and four bedrooms, all with lovely views
A six-bedroom family home, dating back to 1280 with four reception rooms, barn, swimming pool and tennis courts in Harwell
A spacious two-bedroom flat, refurbished to a very high standard with private landscaped garden, close to Kentish Town station
An exceptional two-bedroom apartment with balcony and underground parking in the centre of Richmond
A one-bedroom, luxury, duplex apartment in the grand landmark building, Imperial Hall
Run a fabulous boutique shop, live above it in a one-bedroom flat and let a second one-bedroom flat that comes part and parcel
A Grade-II listed, thatched cottage in Hundleby village, with five bedrooms, a coach house and three and a half acres
A spacious two-bedroom flat in the heart of Hoxton Square with wooden floors and roof terrace
A five-bedroom family home with stunning pool and gym complex set among two acres of land
A six-bedroom period house with heated swimming pool and a separate two-bedroom annexe cottage in Townlake, £795,000
A spacious and contemporary two-bedroom flat arranged over three floors, with garden patio close to St George Square, £600,000
A one-bedroom flat in a beautiful Regency building opposite the beach in Kemp Town, £190,000
A two-bedroom flat with London skyline views close to Surrey Quays. £395,000.
A seven-storey tower with three bedrooms and a stunning roof terrace. Guide price: £850,000.
A 16-bedroom country pile with nine reception rooms, four self-contained flats and a 13th century Peel Tower. £850,000.
A classic six-bedroom Victorian Manse house 10 miles from Edinburgh. £495,000.