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Creole

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  1. Hello, Not sure if this is the right place for this topic. Looking for some advice for my daughter with regards to her recent tenancy. She was renting a student accommodation with a private estate agency and 4 other tenants, but mid-way into her course she got ill and had to take a year off Uni. She subsequently got a job to pay her rent and expenses, because she wasn't eligible for student loans in that year. I acted as her guarantor. Unfortunately, she lost her job and unable to pay the rent for quite a while - this led to a couple of thousands in rent arrears. Eventually, I was contacted by the estate agency, who ask if I could pay the rent instead (as the guarantor), we came to an agreement to pay a set amount each month to clear the outstanding debt. This agreement was communicated in writing. My daughter vacated the property when the tenancy ended, I have continued to make payments without any defaults. Few months later, I received a letter from a Reposit company (acting on behalf of the estate agent) demanding payment for all outstanding charges including my daughter's rent arrears. They have sent this letter to all 5 tenants and their guarantors, demanding payment is made in full. Apparently, all tenants are responsible for any outstanding rent/charges. I have contacted the estate agent asking about the agreement we had in place, given I will be paying the rent arrears until complete, but to no avail. They have refused to return my calls. The Reposit company have said if we have an agreement with the agency to contact them directly, but we can't get through to them I was thinking of writing to the estate agent reminding them of our agreement and inform them, I am ready to go to court because we had a agreement and I'm sticking to the agreement. My problem is the other tenants who are now very scared of the next steps. What can you advice and any ideas what are my rights? Can the estate agent do this? Renege on an agreement? Grateful for any help. Thank you
  2. I've looked through the numerous letters they've sent me came across a statement of account it seems the last payment was in September 2011. The original lender was HSBC Bank and it was for a bank account and therefore an overdraft - the balance is just over £1200. I'll request my report from Experian (I've exhausted the free period), Noddle has nothing for me strangely. Any advice on how to proceed with Restons before they take it to court?
  3. Ok, I'll go through the all letters over the weekend and come back here - they are quite a lot, I think. Thanks
  4. But I thought Restons are very ligitious. I read that here and send them the CCA, but I did put at the top of the CCA request 'I do not acknowledge ANY debt to your company'. I'll go through all the letters I have been getting from Cabot to find out more. Thankfully, I didn't bin them. But any more advise on how to proceed would be much appreciated, not sure I can just ignore them!
  5. Hmmm, but what do I do now? They have sent back the letter with the postal order. it was probably an overdraft - does CCA request apply to them?
  6. Hi there, I'm back again for some much needed advice. I have been receiving letters from Cabot financial for a while which I have been ignoring as I had thought it was statue barred - will be SB next year. However, they have referred my file to Restons Solicitors Limited who have sent me a letter threatening court action. I then sent them a CCA request (realised after, I shouldn't have given it doesn't apply to bank accounts - is this true?). the CCA request was unsigned and they have sent the letter back stating they will not be dealing with an unsigned letter and want to deal with the correct correspondent. Should I sign the CCA and send it back? What should be my next steps? Thanks
  7. Yes, the property is joint on a tenants in common agreement and all the debt are in his name only
  8. Yes, that's my fear. Just want to make sure our home is protected.
  9. Thanks for your replies. He has several credit cards, with vanquis, Santander, Barclays, Amex and an Argos store care and loan. Total debt 35k
  10. My husband has debts totalling £35k which he has not defaulted on. He is about to go back to full time education and is thinking of writing to all creditors ( this includes credit and store cards and an unsecured loan). He may be offering token amounts of between £1-5 per month. What happens if creditors refuse to accept token payments? How can we protect our home? We own our home on a tenants in common agreement. I am a bit concerned that the creditors will come after our home. What can he do to prevent charging orders etc? Thanks for any advice given.
  11. the 'offence' was on 12th August. I am about to send the attached letter, this is the one I attached earlier - I got from this site. Is it ok to send it please? Thanks
  12. Sorry, my mistake - it's a parking charge notice (PCN) and was sent to my husband who is the registered keeper. It had 2 photos of my vehicle entering and leaving the carpark
  13. Hi all, Would appreciate some advice on this please as I've had no dealings with this company. I went over the 3 hours free parking (6 hours in total). I truly had no idea I would received a fine, but now I know I wont be parking there. So, what do I do? Pay the reduced amount of £40 or ignore them? I also saw this brilliant letter - see attached! Should I send the letter, ignore them or pay up? with thanks
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