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 12th June 2007, 21:23   #1 (permalink)
rogertdog
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 9
rogertdog Novitiate
Default Problems with ex. landlord

hi,

I will try and explain the situation as best as i can...

We basically re-located to a new area, after spending 5 years in residential housing, found a house to rent, and contacted landlord.

Met with landlords agent (his wife) who had a standard 12 month assured shorthold tenancy agreement with her. The original had been pre-signed by the landlord and she brought with her a photocopy, the photocopy pre-signed by herself. It was for 12 months at £650/month with 1 months rent as deposit, and we signed our bit, however we made it clear at the time that we would be looking for a house to buy before the tenancy ended (due to one of our children being disabled, and us needing our own property, as our child requires special adaptations only avaliable in a privately owned property)

Fast forward 4 months and we found a property to buy.

We informed the landlord in writing that we would be moving out in 2 months time, asked him to release us from the contract early, and placed adverts in the local papers etc to find new tenants, of which there were at least 4 interested parties.

We sent the landlord 2 more letters keeping him informed of our leaving date.

We left 2 months later (6 months early) with the landlord had failed to appoint new tenants, and us not having recieved anything in response to our 3 letters.

We met with his agent to pass the keys over and to inspect the property, which she did and was satisfied with its condition.

Then the problems started.

The landlord wrote to us to say he had retained our deposit to mitigate his losses.

Then about a 2 months later (a month ago) we recieved a letter from Daniels Silverman requesting nearly £4k from our landlords company.

We subsequently requested clarification of the alleged debt, and recieved a copy of our rental agreement as 'proof'.

the points i would like to clarify (if possible) are:

1. was the rental agreement legal in the first place as his signature was a photocopy, and he was not present at the signing?

2. the rental agreement was with the landlord as a private individual and not with his company. we have checked the land register for the house, and it is regestered with him as a private individual. therefore can we refer this to trading standars/the police as fraud (claiming goods etc by deception)?

3. as we pointed out our intentions to leave early when we signed, and as we tried to mitigate his losses, have we got grounds to claim he is being unreasnoble?

4. the amount he is asking for is plain wrong, given that he retained our deposit, and we have since found out that he now has people occupying the property. by our rekoning the maximum alleged amount he could claim for is 2 months (6 months left on contract, minus one month deposit, minus 3 months as he now has new tenants).

5. i have heard that we can dispute the debt with daniels silverman and they have to leave us alone - how exactly do we do this?

there are probably other things to add, but this will do for now.

any help will be greatly recieved as this is creating an extremely horrible situation for our family.

thanks.
rogertdog is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th June 2007, 10:29   #2 (permalink)
Aequitas
Gold Account Customer
 
Aequitas's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 627
Aequitas InformativeAequitas InformativeAequitas Informative
Default Re: Problems with ex. landlord

1. was the rental agreement legal in the first place as his signature was a photocopy, and he was not present at the signing?

Yes. This is because an agreement to create a tenancy for three years or less does not need to be in writing. What has happened is this: you agreed the terms of the tenancy and they were recorded in writing; you paid rent and took possession; a tenancy arose; the terms of the tenancy are as recorded in writing.

2. the rental agreement was with the landlord as a private individual and not with his company. we have checked the land register for the house, and it is regestered with him as a private individual. therefore can we refer this to trading standars/the police as fraud (claiming goods etc by deception)?

No.

3. as we pointed out our intentions to leave early when we signed, and as we tried to mitigate his losses, have we got grounds to claim he is being unreasnoble?

The point is that the terms of the tenancy as recorded in writing say that you took the property for a year. You should have put it in the terms you signed. I think you will have trouble persuading any judge that you did not mean what you agreed to. There is no question of being misled by the landlord - you just told him what your intentions were: I am signging up for a year but I may leave early.

4. the amount he is asking for is plain wrong, given that he retained our deposit, and we have since found out that he now has people occupying the property. by our rekoning the maximum alleged amount he could claim for is 2 months (6 months left on contract, minus one month deposit, minus 3 months as he now has new tenants).

A landlord has a choice - preserve the tenancy or re-enter; he cannot re-enter and relet and claim two lots of rent for the same period. As soon as the landlord took back control of the property your tenancy came to an end and with it the liability to pay rent from the day of re-entry.

5. i have heard that we can dispute the debt with daniels silverman and they have to leave us alone - how exactly do we do this?

Not quite sure what you mean by that.
Aequitas is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th June 2007, 10:49   #3 (permalink)
rogertdog
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 9
rogertdog Novitiate
Default Re: Problems with ex. landlord


hi,

many thanks for that, just a bit more clarification if possible

2. the rental agreement was with the landlord as a private individual and not with his company. we have checked the land register for the house, and it is regestered with him as a private individual. therefore can we refer this to trading standars/the police as fraud (claiming goods etc by deception)?


No.

why is that?


4. the amount he is asking for is plain wrong, given that he retained our deposit, and we have since found out that he now has people occupying the property. by our rekoning the maximum alleged amount he could claim for is 2 months (6 months left on contract, minus one month deposit, minus 3 months as he now has new tenants).


A landlord has a choice - preserve the tenancy or re-enter; he cannot re-enter and relet and claim two lots of rent for the same period. As soon as the landlord took back control of the property your tenancy came to an end and with it the liability to pay rent from the day of re-entry.

can you point us to where this is found in law, ie the paragraph etc of which act (housing act etc). so basically we can write to him saying we dispute the alleged ammount owed as he has re-entered the property?


5. i have heard that we can dispute the debt with daniels silverman and they have to leave us alone - how exactly do we do this?


Not quite sure what you mean by that.

if we write to daniels silverman saying we dispute this debt and are writing to the landlord directly, and they must freeze all action and remove any credit markers etc as per fair trading rules?


rogertdog is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th June 2007, 13:17   #4 (permalink)
Aequitas
Gold Account Customer
 
Aequitas's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 627
Aequitas InformativeAequitas InformativeAequitas Informative
Default Re: Problems with ex. landlord

many thanks for that, just a bit more clarification if possible

2. the rental agreement was with the landlord as a private individual and not with his company. we have checked the land register for the house, and it is regestered with him as a private individual. therefore can we refer this to trading standars/the police as fraud (claiming goods etc by deception)?


No.

why is that?

You seem to be saying that the agreement was with an individual and that the property is registered in the name of the same individual, but I have assumed that that is not what is meant. It is not unusual for this sort of thing to happen, particularly with short term lets - I have even seen agreements which state that the landlord is the agent. I don't think anything can or should be read into it. Besides, it rarely helps a civil case if you try to drag the criminal law in - it often suggests desperation.

4. the amount he is asking for is plain wrong, given that he retained our deposit, and we have since found out that he now has people occupying the property. by our rekoning the maximum alleged amount he could claim for is 2 months (6 months left on contract, minus one month deposit, minus 3 months as he now has new tenants).


A landlord has a choice - preserve the tenancy or re-enter; he cannot re-enter and relet and claim two lots of rent for the same period. As soon as the landlord took back control of the property your tenancy came to an end and with it the liability to pay rent from the day of re-entry.

can you point us to where this is found in law, ie the paragraph etc of which act (housing act etc). so basically we can write to him saying we dispute the alleged ammount owed as he has re-entered the property?

It is quite simply the common law. The landlord's solicitors know this.


5. i have heard that we can dispute the debt with daniels silverman and they have to leave us alone - how exactly do we do this?


Not quite sure what you mean by that.

if we write to daniels silverman saying we dispute this debt and are writing to the landlord directly, and they must freeze all action and remove any credit markers etc as per fair trading rules?

No, the landlord has instructed his solicitor to deal with the matter - he can decline to deal with you personally. Fair trading rules don't come into it. The landlord is entitled to sue if he thinks he is owed money.
Aequitas 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
Landlord - again! krysus Residential and Commercial Lettings 2 16th June 2007 22:02
Landlord to DC us? metalrat Residential and Commercial Lettings 0 22nd March 2007 01:27
Help - Problems with Landlord LittleMissSunshine Residential and Commercial Lettings 24 4th March 2007 01:01
Help please with Landlord marsay Residential and Commercial Lettings 4 31st January 2007 08:36
Commercial Landlord Problems! Empire Works Residential and Commercial Lettings 3 21st July 2006 01:54




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.