Questions of Cash: I moved out but it didn't stop flow of water bills

 

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; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk

Suggested Topics
Finacial products from our partners
Property search
  • Get to the point
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Recruitment Genius: Retirement Coordinator - Financial Services

    Negotiable: Recruitment Genius: To provide a prompt, friendly and efficient se...

    Recruitment Genius: Annuities / Pensions Administrator

    Negotiable: Recruitment Genius: You will be the first point of contact for all...

    Ashdown Group: HR, Payroll & Benefits Officer - Altrincham - up to £24,000.

    £18000 - £24000 per annum + benefits: Ashdown Group: HR, Payroll & Benefits Of...

    Ashdown Group: Learning and Development Programme Manager

    £35000 - £38000 per annum + benefits : Ashdown Group: A highly successful, int...

    Day In a Page

    The saffron censorship that governs India: Why national pride and religious sentiment trump freedom of expression

    The saffron censorship that governs India

    Zareer Masani reveals why national pride and religious sentiment trump freedom of expression
    Prince Charles' 'black spider' letters to be published 'within weeks'

    Prince Charles' 'black spider' letters to be published 'within weeks'

    Supreme Court rules Dominic Grieve's ministerial veto was invalid
    Distressed Zayn Malik fans are cutting themselves - how did fandom get so dark?

    How did fandom get so dark?

    Grief over Zayn Malik's exit from One Direction seemed amusing until stories of mass 'cutting' emerged. Experts tell Gillian Orr the distress is real, and the girls need support
    The galaxy collisions that shed light on unseen parallel Universe

    The cosmic collisions that have shed light on unseen parallel Universe

    Dark matter study gives scientists insight into mystery of space
    The Swedes are adding a gender-neutral pronoun to their dictionary

    Swedes introduce gender-neutral pronoun

    Why, asks Simon Usborne, must English still struggle awkwardly with the likes of 's/he' and 'they'?
    Disney's mega money-making formula: 'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan

    Disney's mega money-making formula

    'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan
    Lobster has gone mainstream with supermarket bargains for £10 or less - but is it any good?

    Lobster has gone mainstream

    Anthea Gerrie, raised on meaty specimens from the waters around Maine, reveals how to cook up an affordable feast
    Easter 2015: 14 best decorations

    14 best Easter decorations

    Get into the Easter spirit with our pick of accessories, ornaments and tableware
    Paul Scholes column: Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season

    Paul Scholes column

    Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season
    Inside the Kansas greenhouses where Monsanto is 'playing God' with the future of the planet

    The future of GM

    The greenhouses where Monsanto 'plays God' with the future of the planet
    Britain's mild winters could be numbered: why global warming is leaving UK chillier

    Britain's mild winters could be numbered

    Gulf Stream is slowing down faster than ever, scientists say
    Government gives £250,000 to Independent appeal

    Government gives £250,000 to Independent appeal

    Donation brings total raised by Homeless Veterans campaign to at least £1.25m
    Oh dear, the most borrowed book at Bank of England library doesn't inspire confidence

    The most borrowed book at Bank of England library? Oh dear

    The book's fifth edition is used for Edexcel exams
    Cowslips vs honeysuckle: The hunt for the UK’s favourite wildflower

    Cowslips vs honeysuckle

    It's the hunt for UK’s favourite wildflower
    Child abuse scandal: Did a botched blackmail attempt by South African intelligence help Cyril Smith escape justice?

    Did a botched blackmail attempt help Cyril Smith escape justice?

    A fresh twist reveals the Liberal MP was targeted by the notorious South African intelligence agency Boss