What I don't understand is how can a judge award judgement for the landlord for kettles and beds without receipts and in their evidence they submitted Argos pictures as proof of items missing or broken Plus I'm sure everyone has a right to defend themselves, my friend wasn't even given the chance to speak because the judge wanted the case close by 4.30pm My friend submitted 30 pages of evidence to prove the property was left in a excellent condition and text messages to prove the landlord told her to get rid of anything broken, while the landlord produce 2 pages with Argos pictures and evidence to say that my friend paid her rent on time in full every month, apart from the last month rent when she moved out. And the landlord upped the rent every time my friend complained about the damp which she has bank statements to prove and and a list of rent payments submitted by the landlord for evidence

Hi I require some legal help for a friend who attended court today and lost due to unfair judgement my friend rented a property off the books (no tenancy agreement and cash rent payment) for 4 years she decided to rent a place with a garden so told the landlord she was moving out, the landlord was not happy as this ruined his pension plans (landlords words) so she decided to take my friend to court claiming she broke 2 beds, ripped stair carpet left the house with mould around windows and left the property in a mess and had to renovate which was rubbish as the landlord sold it two weeks later in the same condition the property was left. she had a legal friend from her place of work to inspect the property before she handed back the keys and took photos of the property for proof, when my friend moved in there were beds which she didn't want and one of them was broke she text the landlord stating she did not want them via and had a reply via text stating to throw them out, she also had text messages regarding the carpet which was chewed up by the landlords dogs stating the landlord will renew the carpet (this never happened) she also made numerous complaints about damp sent via text with replies they will sort it out but never fixed. When my friend vacated the property the landlord was straight on to Facebook calling my friend a skank and liar and a thief and a few other words which i won't repeat, we were able to print off the Facebook comments for evidence as this was slander The property had damp problems and mould as she has a 6 year old boy who has severe asthma and is autistic my friend had evidence from the doctor stating the since they left the property her little boy's asthma has got better My friend also had evidence from a builder who the landlord ask to go the property and check the damp and leaking roof and told him to bodge it which he did and and the roof still leaked hence the mould and damp problems The boiler have never had a gas safety certificate in all the time she rented the property legal requirement property was rented without mortgage company's permission and cash rental every month so the landlord didn't have to pay tax Today (15th May) she went to court at 11am to be told the hearing has been postponed till 4pm she walked in the court room sworn in, the judge said that this wasn't his case and he should have finished an hour ago and was in a hurry and then told my friend she had no proof that the landlord gifted her the furniture and beds to throw out (which she, did text messages ) she had her legal friend with her for help, the legal friend ask the judge if she could say something in defence and judge said no you can't and made judgement straight away for £3700.00 to landlord the landlord claimed for kettles, toasters, dishwasher carpet through out and 2 beds plus one month which they claimed my friend owed but the land lord had no receipts in her evidence for any listed items and no tenancy agreement i have said she need to see a solicitor to try and have the judgment set aside and appeal if anyone can spare us some advice on how we can move forward many thanks for your help

Hi Thanks for your replies My family members live in Oldham, Greater Manchester I have told them to ring the council office Monday morning to find out more regarding the £50 a month they are being charged, they are not in receipt of any housing benefit just Council Tax reduction.

I am enquiring on behalf of family members. We have just been told by them that they are paying £50 per month bedroom tax. They are private home owners, mortgage free but in receipt of disability benefit, both are registered disabled and they are exempt from paying council tax due to being disabled. Is it correct that they are being charged a monthly bedroom tax?

thanks for your reply do i send the SAR to Capital one or to AXA who are the PPI insurance?

hello i am in need of some advice i have a capital one credit card with ppi insurance, i did know about the insurance because they ask me to take it out when i activate the card in 2011, i did explain at the time that i was self employed and didn't think that i would be paid out if i was unable to work, capital one said they would. i had a claim form for another ppi insurance with another bank which was proved as mis sold as i was self employed. is it true that as a self employed person ppi insurance is worthless? and the capital one ppi is mis sold and i should reclaim the charges back and help and advice would be much appreciated

Hi I was in the same situation and I'm thinking about complaining, it all started with a £400 loan which was paid then I was offered £600 then £1000 because I repaid every time then I ended up borrowing £800 which I as paying back every month for 2 years as I was in a low paid job, which they knew about and how much I was earning at the end of the month I had just enough to to pay the interest and not the full loan therefore extending the loan, also I was told that wonga loans do wonders for your credit rating as I always repaid and never went on a repayment plan my credit rating is very poor and I have no over credit. I was able to pay my wonga loan off last October as I was in full time work and good money which was a relief. Would you deem this as irresponsible lending if so how do I go about complaining and wording the email Kind regards Andy

Hi I took out a wonga loan in 2011 and again in 2012 which ran for over two years, I was extending the loan on the promise date, paying the interest then taking another one the same day as I didn't have the money to pay back, as of October last year I paid the loan back and was not able to apply for another because off all the trouble they were in, as a result I Had little money for the month, When I first applied for the load I was told I could apply for 400 pounds which was paid within 30 days when I applied again I was approved 600 pounds which I applied for and paid back within 30 days. When I applied again after I paid off the loan I was offered £1000 which I applied for, but then that brought on the vicious circle I was in for two years, at the time working for a maintenance company paying me £400 a week self employed rate ( I was responsible for tax ,van, fuel and tools) which meant I was bringing home £1600 a mouth before tax and expenses which Wonga was told about, I have now found out my credit file is riddled with Wonga loans and I'm having difficulty applying for credit because of payday loan listed.. I have been reading some threads about asking Wonga to remove the file from my credit history and try to reclaim some interest because it was irresponsible lending. Any help and advise would be much appricated Thanks Andy

Hi Again I have just found out today that the van, that was supposed to be in Nottingham is actually not there it hasn't left the holding company in Bridgwater. When I rang RCI on Friday offering to pay for the van they told me that the option to do this was no longer available becasuse it was on its way to an Auction House, it would appear that they were lying. I feel that RCI had no intention of letting me purchase the van, it seems they would rather send it to auction and sell for pennies then hold me responsible for paying the shortfall, this will no doubt put me into a debt situation which surely must be illegal considering i have offered the full outstanding balance on numerous occasions, trying to resolve this matter to everyones satisfaction and benefit? where is the logic in this descision? it would seem they have no ethics and absolutely no customer service. This morning i again rang RCI to ask why they have lied to me about the location of the van and i asked to speak to a managing director, they said someone would call back, upto now 10 hours later no phone call.

My vehicle was taken by a recovery agency on Wednesday 29th February, i spoke to the finance company that afternoon to see what options i had regarding getting my vehicle back, i was told that i had to either pay off the loan or that i could buy the vehicle back for the amount that is outstanding, £10,159.00. I told them that i wanted my vehicle back and that i would like to buy it but would need to obtain a loan, i asked how long they would hold it for, i also asked if they would accept confirmation of the loan in writing as assurance that the funds would be available, i was told yes, they would hold the van for a period of 2 weeks. I secured the loan the following day, the money was transfered to my account that evening, 2nd March, i rang RCI first thing on Friday morning fully expecting to be able to buy my van from them and was extremely shocked to be told that the van has been sent to an auction company, 200 miles away in Nottingham, the auction date is the 16th March. When i challenged this decision i was told that the 2 week holding period is not something that they would ever have agreed to and that i had been given incorrect/false information. I am very surprised that they acted so quickly especially as they knew that i wanted my vehicle back, it makes no business sense for them to not want to accept my payment for the full amount owing, i am now expected to attend the auction and try to buy my van back, if i am unable to attend the van will no doubt sell for far less than the £10,159.00 RCI require and i will be responsible for the shortfall, this seems highly unfair in light of the fact that i was willing to pay them this amount in full on Friday morning. Is there anything i can do legally to either fight the shortfall, or reverse the auction decision? The money is in my account and i would like my vehicle back as soon as possible, without it i am unable to work, this is costing me £120.00 per day, the longer this goes on the more i will loose. As i mentioned above i may end up paying RCI for the shortfall and this will have to come from the money i currently have which will determine whether i will have enough money remaining to purchase another van, if not i will be forced into unemployment.

Hi sorry i have not replied to any post. On wednesday my van was recovered by RCI Ltd, the guys who came to collect the van were not nice people, one of them insulted my partner, they both threw all my posessions from the van all over the private driveway as i live on private lands living within a 1800's manor house in the courtyard, so i do not own any land on site other than inside my Cottage, i told them i haven't had any letters or calls and they could not take the vehicle. They insisted they were taking with or without my consent. They broke a few things out of the van and i thought the law state they have to respect your property and you. i got a form off them which i had to sign and when i read the back it stated that if i didn't hand them the V5 document and vehicle documentation the i would be charged, they didn't evan ask for any of these. and now to get my vehicle back i have to pay £10,000 or it goes to auction and i will be liable for the shortfall when they sell it. Regards Andy

Hi thanks for your reply. The agreement was under hp Andy

Hi i am hoping somebody will give me some advice. This morning somebody knocked on my parents door asking for me, (I live in Devon and they live in Manchester) it was about my van and they asked my dad to contact me to tell me to give them a call. I called the guy and he told me to contact RCi Financial services LTD regarding payment arrears. I rang them and asked what it was all about and they said that i was in arrears and that they were taking the vehicle back and had cancelled my finance agreement. I was not aware that i was in arrears, they told me they had sent me letters and and rang my mobile, i explained that i have not recived anyletters or phone calls, I asked them to confirm the mobile number they had on file and it was the right number, at which point they replied that the number was not recognised on their system, it was coming up as an unrecognised number. I have checked my bank account and can see that I did miss a payment in November but payments from then have been going out. I told RCI the Direct Debits have been going out of my account but they say the agreement has already been cancelled and that the monies they have taken were used to pay the arrears incurred since January. They told me the agreement has been cancelled and that the matter is closed, I either hand the vehicle back or pay the finance off, the amount they quoted is £10,159.00 but the original finance was only £9,368.12, i have paid 12 months worth of direct debits at £205.00 per month (£2460.00). They have not not taken into consideration that i was not aware of the situation that has arisen or offered me the opportunity to bring the finance up to date. I am self-employed and need the van for work, if i loose my van i will not be able to work and i am desperate to avoid this situation becoming a reality. I have never had any problems with finance companys and RCI's attitude has been very unhelpful and unproffessional, Please help!