HOMES Cap­ture the moody hues

Au­tumn’s icy cold winds and long chilly nights may be un­wel­come, but the sea­son’s brood­ing new decor trends more than make up for it says GABRIELLE FA­GAn DARK K MAT­TER

Macclesfield Express - - HOMES -

be­come ap­par­ent will tend to weaken your case. Dis­cuss this with your so­lic­i­tor if you can’t claim on your in­sur­ance.

DRIVE BLOCK­ERS

I PAID for a ‘dropped kerb’ to be put in from the road up to my drive sev­eral years ago. Is this an ex­ten­sion of your drive, or can peo­ple park over it, as they do, block­ing ac­cess to my house?

A. Un­der the pro­vi­sions of the Highways Act 1980 once a dropped kerb cross­ing has been prop­erly in­stalled by the lo­cal au­thor­ity that cross­ing may not be used as a park­ing area.

Your neigh­bour will have to park some­where else. You should po­litely ex­plain this to her and sug­gest that she con­tact the lo­cal au­thor­ity if she re­quires any clar­i­fi­ca­tion. If this does not work you could ask the po­lice to have a word with her.

HARD TO CREDIT

WHY should I be pe­nalised just be­cause my hus­band has been made bank­rupt? I have been re­fused credit for the last four years, even for very small amounts. I have writ­ten to the credit agen­cies, and they say there is noth­ing reg­is­tered against me.

A. The fi­nances of peo­ple liv­ing in the same house­hold are of­ten linked: if one mem­ber is in fi­nan­cial dif­fi­culty, it could well af­fect the oth­ers. Credit agen­cies in the main search against ad­dresses and not in­di­vid­u­als.

Although you say they have noth­ing against you, I pre­sume they have sent you de­tails of debts owed by your hus­band which will af­fect your credit rat­ing.

If your fi­nances aren’t linked you can write to the agen­cies show­ing ev­i­dence of an in­de­pen­dent in­come and con­firm­ing that you do not share any fi­nan­cial com­mit­ments with your hus­band.

BUSH BARn EY

I HAVE had sev­eral ar­gu­ments with the fam­ily next door about a bush that hangs over the di­vid­ing wall be­tween our two houses. A cou­ple of times I have cut branches off and put them back over the wall, but what’s the le­gal po­si­tion?

A. You are en­ti­tled to cut away as many of the over­hang­ing branches as you like as long as you leave the part that’s on next door’s prop­erty alone. You’re sup­posed to of­fer to give your neigh­bour the branches back since the wood be­longs to him, but I’d be re­luc­tant to al­low the bush to be­come a point of con­flict: there are no win­ners in dis­putes be­tween neigh­bours. It could make it dif­fi­cult to sell your house if you have to de­clare a neigh­bour dis­pute.

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