We are currently renting privately in a residential building. The building is managed on behalf of the freeholder by some of the owners who have created a company. This company now has given the management to an estate agency. A few days ago our landlady received a call from the agency saying that they have complaints against us that our dog is running lose on the property and that he poos in the communal areas and we don’t clean up and threaten that they will take our dog away. I was completely shocked because none of this is true. We immediately raised a subject access request and asked for the cctv footage for the last 3 months (they don’t keep it longer anyway) where either of us (there’s 2 of us loving on the property) is shown on the cctv. Our landlady hasn’t really said anything to us other than let’s think how we will respond to them. Is completely false allegations but until we receive the cctv footage we are just staying quiet. We lived here for 6 years never delayed our rent, never had any issues with anyone or that’s what I thought until this happened. Any views on this would be really appreciated.

I work for a large organisation and one of the area’s of work is currently being restructured. Myself and another person have got the same job title and job description but I’m the only person who is included in the restructure (out of the 2 of us). The other person is not. When raising that with them they just re written the other person’s JD to make it different that mine. Any advise?

Not a major issue but this has happened to me many times now. So I was wondering if anyone knows the right/legal way of this problem. I ordered something online and I received the wrong product. Company after 2 weeks finally got DPD to come and collect the item but they will not send me the item I ordered until they receive the other item back. I don’t really understand that. It’s their mistake so why do I have to suffer the consequences. Also the item they send me is cheaper so let’s say I never returned it to them would they have kept the difference? Fulfilled our agreeement which is sending me what I ordered should have been a separate issue from recovering the wrong item they send me. But then maybe this is just me seeing it this way. Would be interesting to see if anybody knows if there is anything on consumer rights about this?

Hi there isn't much to say apart from the fact that we were both in another country when the court took place. We then got a call from Cheshire saying they wanted 5k we tried to get into some arrangements with them. They refused. Not sure what else to say.

Thank you so much, I will follow that and see what we get. Appreciate your response.

Our property got repossessed by Cheshire mortgages and after complaining to the ombudsman regarding the way it happened ombudsman said is an issue that they will not get involved and has to be resolved in court basically. After that we got a call from Cheshire saying they sold the flat and there are several thousands of pounds outstanding but they were willing to work with us and lower the amount to 168 pounds. We told them that we found it strange that they repossessed the property for less money than that (and refusing to accept any settlement offer from us) and now they were willing to write off double that amount. He kept asking if we are planning to take them to court we said we haven't thought about it yet and that we wanted a full statement of the account and a formal letter with the redemption figure and how they arrived to that amount. For a few months they kept saying they send it to us we received nothing we told them that they kept saying they will send it again. Three weeks ago I called them again they said they needed to ask the team that deals with this to re issue a figure because our previous one expired. And that in 5 days we will get a letter. Today I called them to ask for the documents again and I said o received nothing. The lady on the phone said we owe nothing and the account is closed. I asked if we will receive a statement and a letter confirming that she said no. Are all the above normal practices? Anybody who knows more than us maybe can enlighten us? Thanks

If the company has had their credit licence revoked can you not apply to court and ask for the credit agreement to be voided due to the fact that the company who signed it was found not fit? Maybe a silly question but thought I ask it just looks logical to me. How can they be unfit to carry a license but their agreement still have value. And I am not talking about the original amount borrowed but the thousands of charges they have been asking us to pay back which instigated a lot of us to make a complaint and get them investigated.

Hi guys, I thought I give you an update on this and thanks again to everyone who has responded. I contacted speedcredit with an offer for repayment but heard nothing back. I also made a complaint to the OFT and I received today a response with a complaint reference number thanking me for my complaint but they say they are unable to contact me to tell me what action has been taken due to law restrictions. Not that it matters as long as something happens I am sure I will find out somehow

Thank you, I will do.

Thanks site team and renegadeimp. Will send this tonight.

Thanks to report to OFT i need to go through consumer direct?

To anyone able to help this is the email I received from them: A payment made on your file has been cancelled. Your card issuer has indicated you have requested this. 1. If you do not contact us today we will pass this file together with evidence of your agreement to pay this amount to the Police. 2. As a direct result of your actions and your failure to honour your agreement we are now fast tracking your file to Bailiffs and your local County Court. This will incur additional charges. Fraudulent activity on the account includes but is not limited to: 1. Using stolen cards to pay off loans 2. Using your own card and then cancelling the payment later. 3. Cancelling a payment taken in accordance with agreed payment plans and/or terms and conditions. You should note that ANY such fraud will ALWAYS be pursued through the Cou rts together with all evidence including our IP tracking technology which traces the origin of the payment application to yourself. If you do not contact us within 24 hours - Recovery Agents will visit all addresses we have on file for you. - Your case will be passed to the County Court and Bailiffs - Your file will also be passed to the Police with a view to Criminal Prosecution. This will add charges to your file and increase the cost of repaying the debt. We expect to hear from you today. Kind regards Speed Credit - ANTI-FRAUD (146) *

Thanks, can they really go to the police?

Hi guys, Hopefully somebody can help a bit further with this? I called my bank I was very honest with them explain the situation, even though they did say oh payday loan companies might do this etc they asked me if I contacted them. I said to them yes I did and I got a reply back saying if I call them they will explain. And I said to my bank I do not wish to speak to them on the phones there would be no record of the conversation. Anyway the bank said fine we will raise a dispute and say you are not sure about the transactions with this merchant and if they can prove to us that they were genuine transactions authorised by you we will give them the money. I said fine. by the way the transaction was toothfairy loans. Does this play any difference? Today I got an email from speedcredit who were the people I took the loan with saying that I asked for chargeback on genuine transactions and if I don't call them to pay the money they will report me to the police for fraud. Any advice?

Thank you very much for your answer. I am 100% certain that I have never given my debit card details not even to speedcredit and agreed they keep them on file. I had a different card on file with them but I used this card they have now taken money from to make a payment to them through their online payment form and is this card they now used. I never however agreed that they saved the details of my card and that they are allowed to take money from it. Also I received the following response from Marshall Bailliffs: Thank you for your message. According to our records you took out a 14 – 28 day SHORT TERM loan on 05.01.12 for £400. You currently owe £1265. You agreed to repay your short term loan within 14 days. Payday loans can become expensive if you do not keep to the terms and conditions that you agreed to when you take out your loan. Please note that as you borrowed £400, you are being charged £96 every 14 days. This is CLEARLY STATED in the terms and conditions YOU agreed to. YOU agreed to the terms and conditions with your double digital signature by way of entering your email address in twice then clicking \'I accept and agree to the terms and conditions\'. The terms and conditions that you agreed to are legally binding under The Consumer Credit Act 1974. Please remember that your original loan was for 14- 28 days ONLY. You will be incurring additional interest charges on the 05.07.12. If you are unable to pay in a one off payment, but you are willing to pay £150 per month starting from this month, we are prepared to FREEZE all interest and charges. Please confirm the dates that you will be making payment on and whether you wish for us to set this up to take payment automatically? If you have any questions please don\'t hesitate to call us on 0843 381 1111 Failure to make a payment will lead to ground recovery agents being dispatched to all addresses on file and if no agreement can be reached, proceedings will commence against you in your local county court. Yours Faithfully