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:-

  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 10th July 2008, 12:49   #1 (permalink)
timcoombs
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 14
timcoombs Novitiate
Unhappy NTQ - Landlord cutting corners

I moved into a flat on 2 March 2007, the flat was offered by a letting agent. I did not have any tgood references but had savings so i paid 6 months up front and one months deposit to the agent and obtained a receipt. This opened the door to a tenancy without references. The landlord dismissed the agent after the agreement was signed to avoid commission on rent up front. After 6 months the landlord was besidehimself trying to get me to sign another 6 months agreement which then became a rolling agreement. I need to give one moths notice and he needs to give two months.
Rent was paid at a maximus 3 days early or two days late untill March when financial difficulties ensued. I have since applied for benefits. There are 6 flats on 3 floors and i am on the first floor so at the middle level, at the turn of the year we had leaks and advised that repairs would be done soon. I pay above the odds because it is a seafront location with full estuary views. In March scaffolding was erected totally blocking the view, the scaffolding compnay is run by the owner of one of the flats and the scaffolder did the repair work in his spare time. The scaffolding was removed after 50 days. I complained to my landlord when he returned from his 6 week break to his holiday home on the continent and he derided my complaint, he then advised me that he would not accept benefit claimants. Rent die on 2 May was not paid and he asked me at the end of May to leave at the end of the week and he would set the deposit against the rent, i contacted the council who said his letter was not a NTQ, They contacted him and he then issued another one which was also deemed not to be a valid NTQ. The first asked me to leave on 2 July, the second on 2 August and then he employed a company called Landlord Action who will apply on 10 July for a repossession order yet have asked me to leave on 2 Sep. The council visited my flat and found some problems. There should be three doors between the hall/lounge, hall/kitchen & kitchen/lounge, one is missing the other two have full length panes of glass considered to be unsafe, the electic wiring is old and there is no cross bonding in the kitchen and bathroom, there is no eveidence of earthing and the fuses are not clearly labelled, i dont know what all this means other than the council have stated they will not allow the landlord to relet until they are satisfied the work has been completed to there satisfaction, no one has been to do a gas or electric annual check so theremay not be certificates if required.
I have made a claim in writing for compensation for the scaffolding blocking my view and advised the landlord of the councils inspection.
Where do I stand, was the property let lawfully and is the landlord in breach of the tenancy agreement in respect of safety issues, is the agent in any way liable, who holds my deposit and can i claim compensation. In respect of the rent it has not been paid on 2 may, 2 june & 2 july and benefit claim will be finalised shortly.
timcoombs is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th July 2008, 14:09   #2 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: NTQ - Landlord cutting corners

Not sure if others will agree, but I cannot make head nor tail of what you have posted.

Can you repost more concisely, and perhaps in bullets?
MrShed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th July 2008, 15:18   #3 (permalink)
timcoombs
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 14
timcoombs Novitiate
Unhappy Re: NTQ - Landlord cutting corners

The council state that glass panels in the internal doors are unsafe and wiring is old in the meter and fuse box area and to the kitchen and bathroom and not up to standard and that until work is done they will not allow the landlord to relet, the landlord is going to be ordered to make good these issues while I am still in occupation.

Was or is the letting agent or the landlord culpable at the point of letting and was or am I in any danger if the property is not up to the standard required on health and safety grounds.

The property was rented with a panoramic sea view the width of the living room and this is reflected in the rent, can I be compensated if the view is totally blocked by scaffolding for 50 days because repairs to the roof are undertaken by a scaffolder who has a financial interest in one of the properties in the block and he does the repair in his spare time to save on costs when his only real qualification is as a scaffolder and not a roofer.

Rent is only in arrears while a benefit claim is processed and once benefit is recieved rent arrears would be cleared and future rent covered.

Can the landlord apply for a court order when he knows that by any hearing date rent arrears will have been cleared.

Should an electrical certificate be in place and if there is one how often should it be renewed.

The property clearly should not have been let under health and safety rules and the council are taking that up, I have an issue with the rent reflecting a view I lost for a period of time and I have been honest with the landlord about financial difficulties and the benefit application.

Has the landlord breached the tenancy agreement at the outset on health and safety issues. If so what remedial action can be taken. I intend to stay if possible.

Sorry if this was or is unclear, hopefully this is more understandable.
timcoombs is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th July 2008, 17:35   #4 (permalink)
Esio Trot
Gold Account Customer
Default Re: NTQ - Landlord cutting corners

Quote:
Originally Posted by timcoombs View Post
I intend to stay if possible.
I think you are on a loser here - sounds like the landlord intends your stay to be as short as possible.

Having said this, from what you have written, it does not appear that you have received either a s21 or s8 notice that is valid. Until you have received either of these, possession proceedings cannot be started.

Having an electrical installation checked and obtaining a certificate is good practice, but the absence of one is not unlawful.

If you have more than two months rent unpaid then you have no defence to a s8 notice: a possession order will be granted whenever there is a court hearing, if on this date there are still 2 months rent unpaid.
__________________
On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

E|B
S|I

Esio Trot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 10th July 2008, 17:44   #5 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: NTQ - Landlord cutting corners

Quote:
Originally Posted by timcoombs View Post
The council state that glass panels in the internal doors are unsafe and wiring is old in the meter and fuse box area and to the kitchen and bathroom and not up to standard and that until work is done they will not allow the landlord to relet, the landlord is going to be ordered to make good these issues while I am still in occupation.

Was or is the letting agent or the landlord culpable at the point of letting and was or am I in any danger if the property is not up to the standard required on health and safety grounds.

Not really, or not to any point worth attempting to enforce anyway. You have had no financial loss (or otherwise) due to H+S breaches, so you are due no damages of any kind - and this is the only way the landlord can be found culpable.

The property was rented with a panoramic sea view the width of the living room and this is reflected in the rent, can I be compensated if the view is totally blocked by scaffolding for 50 days because repairs to the roof are undertaken by a scaffolder who has a financial interest in one of the properties in the block and he does the repair in his spare time to save on costs when his only real qualification is as a scaffolder and not a roofer.

No

Rent is only in arrears while a benefit claim is processed and once benefit is recieved rent arrears would be cleared and future rent covered.

Irrelevant as far as the law goes I'm afraid.

Can the landlord apply for a court order when he knows that by any hearing date rent arrears will have been cleared.

Yes

Should an electrical certificate be in place and if there is one how often should it be renewed.

Not required

The property clearly should not have been let under health and safety rules and the council are taking that up, I have an issue with the rent reflecting a view I lost for a period of time and I have been honest with the landlord about financial difficulties and the benefit application.



Has the landlord breached the tenancy agreement at the outset on health and safety issues. If so what remedial action can be taken. I intend to stay if possible.

None in effect. As Esio says, you are going to struggle to stay ultimately.

Sorry if this was or is unclear, hopefully this is more understandable.
Answers above in red. Other than what I have added, 100% agree with Esio above.
MrShed is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th July 2008, 10:17   #6 (permalink)
timcoombs
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 14
timcoombs Novitiate
Default Re: NTQ - Landlord cutting corners

Thanks for the feedback, I just think that the landlord could have accepted that rent would be paid by benefit and there would be a delay in getting backdated payments while the benefit claim was processed.
The other issues of safety he should have known about and will have to redress the situation before he relets.
timcoombs is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th July 2008, 10:44   #7 (permalink)
MrShed
Platinum Account Customer
 
MrShed's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Oct 2006
Posts: 4,496
MrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informativeMrShed Highly informative
Default Re: NTQ - Landlord cutting corners

IF he is reasonable, he should. However, he has no legal obligation to do so.

The safety issues shouldnt have occurred, but this still doesnt mean you are entitled to any recompense.
MrShed 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
Barclays cutting fees- breaking ranks kennythecelt Bank Charges and the Finance Industry in the media... 9 29th May 2008 11:40
Charlottesweb vs. HSBC - cutting a deal? charlottesweb HSBC Bank 2 22nd February 2007 12:58




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.