consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Residential and Commercial Lettings

Residential and Commercial Lettings This is the place for both Landlords and Tenants to discuss letting issues, and share experiences.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 9th December 2007, 21:49   #1 (permalink)
tcharper
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2007
Posts: 1
tcharper Novitiate
Default Black Mold, What can I do?

Hi guys I'm a student currently in our 4th month of renting a house with 4 other students. Recently have discovered black mold in the upper right corner of the bathroom and near my window edges..Tried many attempts at cleaning it, it cleans off fine but comes back a few days later. Now I've also been ill with what I think are symptoms from this black mold as my bed is located right under one of the windows ( going to the doctors this week to check it out )
Does anyone know of what the best way of approaching my estate agent who is also my landlord about this situation, we've had minor problems before with the house and they always seem to take an aggressive stance, we've also got a case of damp in the conservatory which before we moved in we discovered they only painted over. Any advice on what the best steps to take would be great, is the landlord required to treat this damp etc?
Many Thanks
T
tcharper is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th December 2007, 01:47   #2 (permalink)
Nightmare4banks
Platinum Account Customer
 
Nightmare4banks's Avatar
Default Re: Black Mold, What can I do?

tcharper,in reply your post and in my view:

1.Yes,your landlord is obligated to see that there is no damp in the property that you are renting due to the health hazards mainly breathing problems.

2.Normally the damp is hacked off then damp course is injected.This process is not cheap(possibly several hundred quid or even more) but effective.
Following that it is painted over with ant-mould paint which normally costs around 30 pounds per tin.

3.It is also useful to have an air brick and an extractor fan due to lack of ventilation in the case of the bathroom.

4.You should open the window slightly after having a shower or running steaming hot water.

5.In practice you could sue for damp conditions.However you should notify the landlord in writing and give him a chance to rectify the situation.Send him a letter outlining your concerns to the registered address by recorded delivery post.Make sure to keep a copy of the letter and recorded delivery stub for your records.

6.I have posted previously within the Landlord & Tenant section of this forum regarding the levels of damages/compensation that can be obtained by tenants based on a demunition of rent value i.e. you should pay less rent because you should not have to put up with damp conditions.This would be up to a maximum of the full weekly or monthly rent that is paid by the tenant depending on how bad the damp is and how prompt or not was the landlord in rectifying the situation.

7.There are some lawyers that may take on extreme cases on a "no win no fee basis" but because you have only lived in the property for 4 months the maximum damages for disrepair would equal to the amount of rent you paid in those 4 months - so I do not think this a very attractive proposition for a lawyer.

8.However you could do a small claim after you moved out of the property.The maximum claim allowed for disrepair under the small claim rules is currently only 1,000 pounds.I could give you guidance and suggestions if you want to go down this particular route.

Anyway,I hope you find this information useful.

If you have any questions,just ask.

Keep us posted.

All the best!

Last edited by Nightmare4banks; 13th December 2007 at 01:52.
Nightmare4banks is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th December 2007, 06:43   #3 (permalink)
Ed999
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 375
Ed999 Novitiate
Default Re: Black Mold, What can I do?

Read this thread: http://www.consumeractiongroup.co.uk...mmodation.html
Ed999 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Black Horse PPI sandbag Payment Protection Insurance (PPI) 3 22nd May 2007 11:59
Can Anyone help Re: Black Horse welshlass Lloyds Bank 6 19th May 2007 17:46
Black Horse PPI sandbag Payment Protection Insurance (PPI) 0 15th May 2007 16:46
Need help with black horse.... bobbycat General Debt Issues 2 13th May 2007 16:24
Getting back in the black!!! purplefairy Lloyds Bank 4 29th January 2007 19:48




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.