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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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Hi All

In September 2017, I purchased a leasehold tenanted flat above a commercial premises.

 

The entrance to my property is on the first floor and you have to climb some external stairs to reach the front door.

 

After purchase the landlord decided to convert two offices in the same building into flats.

 

The other two flats (which have just been converted from offices and are still owned by the freeholder, but are up for sale) have an entrance door on the ground floor and internal stairs to the individual flats.

 

In order to sell these flats some quite drastic improvements in the form of wooden cladding have been made to the ground floor area surrounding the ground level entrance door to the two aforementioned flats. ( I have to walk through this area for access to my own property)

However, the actual area leading to my own property, has been left in the same state as before and no cladding has been added here.

 

Additionally, there is a small flat roof to part of the ground floor commercial properties within the same area.

 

As there has been a several unsuccessful attempts to repair a leak on this roof which is affecting one of the commercial premises, they have decided to put some plastic corrugated sheets at first floor height, making a makeshift roof one floor higher, to prevent any water getting to the lower flat roof, therefore addressing the leak.

 

This is actually a repair to the commercial premises but has been addressed in the communal area, inappropriately in my opinion as they have attached a frame to my windows in order to attach the roof to. In expressing my concern about this they agreed to remove it. That was July, and it's still there.

 

An absolute eyesore (picture 1 )

Initially, I had received a bill for these works but upon meeting with the agent and expressing my concern he agreed no bill would be issued.

 

I have now received a bill for the service charge for the last 6 months.

 

This bill is 3x the amount suggested when I signed the lease.

 

It was approximated to be £35 per month,( draft agreement photo 2) but the bill I have received equates to around £90 per month.

 

They are obviously trying to get their money that way!

 

Upon first acquiring the property, I received and paid a service charge bill for around £40 per month, which I paid, but this was then returned to me by cheque as they were about to start work on the other 2 flats and said that they would waive the service charge until works were completed.

 

I have now received this further inflated service charge, which is obviously to pay for the improvements made outside of the 2 ground floor flats (an area that has to be passed through to access my own, but my own outside are has not been subject to similar renovations) they want to charge me separately (£997) for conducting similar renovations in my immediate external area. Actual service charge breakdown Photo 3

 

It is also to pay for the corrugated plastic roof shown in the picture 1

 

Picture 4 shows the monstrous view from immediately outside the front door.

 

I have objected strongly to this roof for the reasons outlined initially but it remains attached to my own properties windows and they now want me to pay for the privilige!

 

I'm going to admit to being baffled by the legal jargon and am currently simply refusing to pay.

 

Not sure what to do next caggers, but really feel this is very unjust.

 

 

photo1

https://drive.google.com/file/d/1B8TsY4aaYjNP3VH_xH8GoJYlMca47_UY/view?usp=sharingphoto 2

https://drive.google.com/file/d/1BpZNQu4TTu7iwKuN2CgSsFYpZ5hHR6Vt/view?usp=sharingPhoto 3

https://drive.google.com/file/d/11VmUF3Zc_GwCskHus3sPS_zwX5x_wwt0/view?usp=sharing photo 4

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Bodgers at their best!

Roof leaks, tell you what, let's put a canopy over that!

My advice:

1. Tell them you want that structure off your windows view in 30 days as it surely breaches the lease

2.ask all documents, receipts, invoices, etc. related to service charges. They must give them to you within a month under the landlord and tenants act.

3. When you get these documents, ask for a refund for anything that doesn't apply or is related to this bodged job.

4. Come back here for further advice

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  • 2 weeks later...

Hi, following the advice of King12345 I will address these issues seperately..

 

Item1:

I requested that the canopy construction be removed, and have now had a response from Mason Owen, the estate agents representing the leaseholder.

They say that they will remove the canopy. However I have concerns;

 

[1] They say they intend to rebuild the canopy at a higher level, above my windows, I do not want this as the view will again be seriosly affected, replacing my current view of the sky with a view of corrogated plastic, placing me inside some kind of corrogated greenhouse! Temperatures in summertime will be unbearable.

 

They also state clearly that I will be charged for this new construction.

"The canopy benefits the entire building, and as such will be charged as a service charge cost"

 

 

[2] There will be damage to my window frames when they remove the current construction, what can I do?

 

[3]I mentioned that I would be looking to replace the windows at some stage in the future, they said ... "It has been noted though that if you wish to install new windows it will be easier to do at the time of the canopy being replaced, I would therefore be grateful if you could confirm if you intend to replace your windows at the same time as the canopy removal"

 

I fear that after the new construction, if I cannot stop it, it will be difficult to replace my windows at a time when it is finacially best for me to do it, is there any way I can stop this construction happening?

 

To clarify, the windows in the photos are a small part of a set of windows which span 2 sides of my building, offering a view across the local town.

 

thanks you and any advice is greaty appreciated, these people have me worried.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Windows can be replaced from inside your property, unless you call the cowboys who built that canopy...

So it's a completely different job and they must make good any damage left behind when the remove the canopy.

On second point, I would strongly argue that they need to fix the roof, not build another canopy, also because it surely doesn't comply with regulations (planning permission might be needed)

Fixing the roof is cheaper than bridging another canopy which would require constant maintenance.

Then, loss of air, view and thermal comfort all contribute to your points.

Did you try getting the council involved?

Ideally you need a name to refer to in all communication, otherwise you'd pass from post to post.

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  • 4 weeks later...

Hi Caggers, after reading the info on the link provided by stu007, and taking on board the advice from king12345. I separated the problems,

Item 1: The Canopy. Item 2: The service charge.

 

[1] The Canopy:

I wrote to them on 23rd Nov, I have made it very clear that I strongly object to the construction of a new canopy, and a warning that any construction should not be attached or secured to my property.

This makes it impossible for them to hang it up there anyway (copy of letter attached)

 

They replied same day stating

" Thank you for your email, I will discuss this with xxx next week and revert in due course"

17/12/18 I am still waiting for a reply.

 

 

***********************************************************************

 

[2] The Service charge:

I have requested supporting documentation / receipts for the charges listed on my service charge invoice, all of their figures seem "very rounded",

They replied with

"In terms of documentation, this is the first year that a service charge has been run, as such the only documents that I currently have available is the SC budget that you are in receipt of. "

 

I have again requested copies of supporting receipts on 11th Dec as this is 30 days after the initial request and they have not replied.

copy mo letter cag.pdf

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Which financial year are we talking about?

If they started service charges after April 2018, you will need to wait until they close the accounts in April 2019 and send you the statutory summary.

Then, within six months from receiving the summary, you request documentation and they have a month to send it to you.

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