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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Access to the Property by the Landlord


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Access to the property by the landlord

 

The landlord has the right to 'reasonable' access to carry out repairs for which s/he is responsible, but s/he should always ask for the tenant's permission, and should give at least 24 hours' notice (s11(6) Landlord and Tenant Act 1985). If the landlord wants to enter the property for any other reason, for example, to show round a prospective purchaser, s/he can only do this with the tenant's agreement. The tenant is fully entitled to refuse his/her permission if the date/time is inconvienient. The tenant should not refuse without good grounds, as it may cause a breakdown of relationship with the landlord.

 

The tenant has a right of quiet enjoyment of the tenancy. This means that s/he can occupy the premises without being disturbed by the landlord or her/his agents. Quiet enjoyment is an implied contractual right whether or not it is written into the tenancy agreement. A licensee does not have this right.

 

Entering the property without the tenant's permission

 

If the landlord is repeatedly entering the accommodation without the tenant's permission, s/he is committing a civil offence because:-

• s/he is in breach of contract, because s/he has broken the implied term to allow the tenant uninterrupted use of the accommodation. This is known as breach of quiet enjoyment; and

• s/he is trespassing on the tenant's premises.

 

Any action taken by a tenant or licensee may antagonise the landlord and cause her/him to take steps to evict her/him

 

The tenant should initially try to negotiate with the landlord. In some cases, it may be advantageous for the bureau to negotiate on the tenant's behalf. The tenant may be able to judge whether the landlord would react more positively to an approach from the bureau.

 

If the landlord continues to enter the accommodation, the tenant may wish to change the locks. S/he should take care not to damage the door and should keep the old lock and key, as these are the property of the landlord. Alternatively, s/he could just change the barrel of the lock. The tenant does not have to give the landlord a key, but s/he must continue to allow the landlord reasonable access to carry out repairs.

 

 

A tenant could also be advised to contact the local council's Tenancy Relations Officer (TRO) (also sometimes called a tenancy liaison officer or a tenancy harassment officer) if there is one. The TRO will usually be based in the local authority housing department or the legal department. The TRO is responsible for dealing with private sector tenancy disputes and should try to sort out the problem by negotiation.

 

If there is no TRO, or s/he will not help, or is not successful, the tenant can go to the county court to get an injunction to stop the landlord entering the accommodation without permission. S/he could also sue for cash compensation if the landlord has caused any damage to her/his property or if s/he has suffered any shock or distress as a result of the landlord's actions. S/he may be eligible for publicly-funded legal services.

 

Harassment

 

If the landlord is entering the accommodation so often and at such times that the tenant no longer feels secure in her/his own home, this could be interpreted as a form of harassment. Harassment is a criminal offence and the landlord could be prosecuted. There are also civil remedies to deal with harassment.

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