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About nuttybutty

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  1. To be honest I really can't remember what the landlord at the time (he's since handed properties to his daughter) gave me. I moved here in August 1991.
  2. Also, the back of the 2008 document states that I can only give a month's notice on rent due date (so 1 December). The landlady, though, told me yesterday that she doesn't know why I don't hand in notice now. Could this be that she's panicking because from mid-December to early January she jets off abroad, so she knows there's no opportunity of finding a new tenant until the New Year and won't receive any rent for that period, hence why she also wants a month's rent? Also, she doesn't know what I could do to the house if my notice runs out while she's away.
  3. Struggling to find any S20-related documentation - although I could've packed it away in preparation for moving. The only relevant paperwork I could find is dated more recently - 2008 - and is titled Assured shorthold tenancy agreement. This paragraph on the back of the document is one more reason why the situation is confusing... This agreement is an assured shorthold tenancy (as defined is section 19A blah, blah, blah). The landlady giving a section 21 notice must give at least two months' notice, in writing. One reason why I'm still confused is why have I been given two
  4. So I've been put through the wringer, been given mis-information (by people who should know) and now basically been 'threatened' by being told she'll find me "wherever I go". If she had included a covering letter and the required document that I was supposed to sign, the last two months of stress could have been avoided. I've read post after post on different forums and none said it isn't a notice to quit. So when you get something like this through the door it's no wonder I'm confused. It's strange, though, that if I leave before 30 November I don't have to give a month's notic
  5. Hi guys, I urgently need some help/advice if at all possible. It's going to turn out to be a long-winded post, so bear with me. Basically, I've been in a rented house for the last 23 years, but in early September received a Section 21 (4) (A) - Notice requiring possession of a dwelling-house let under an assured shorthold tenancy ... so a notice to quit. The document states that the landlady gives notice that they require possession by 30 November. I started looking for another property and am awaiting confirmation on this matter. At the end of October I decided
  6. I need some very urgent advice. After getting into financial difficulty I wasn't able to pay a loan. But Sadly I buried my head in the sand and ignored letters. Stupid I know but I panicked. Then while I was in hospital last week I received a letter via the local court giving me until tomorrow to pay off the outstanding debt (£2,500). I've only just had the chance to read it and digest what was said. I realise I am so short of time and there is no way I can pay in full straight away, so is there anything I can do? If I make an offer per month will that suffice?
  7. Unfortunately not. I know there's a scanner at work but for obvious reasons I can't use that. The problem is not so much to do with the original CCA but because of the way the situation has evolved it's surely the updated CCA (or lack of one) that is important here? It's over a year since I last posted in this thread so I thought I'd give an update. In June last year I wrote to the Financial Ombudsman with details of my complaint against Halifax/Intelligent Finance. Since then I've had several letters from the FO confirming they are still looking into the matter and apologising
  8. Hi guys, I really need some more urgent advice on this matter. A few weeks ago iQor sent me a letter saying they were no longer handling this case and I can only surmise it was because they found they didn't have a copy of the updated CCA so knew they didn't have a leg to stand on. As for Wescot I haven't heard a thing from them in almost two months and that's after me sending them a letter with a copy of previous correspondence from the St Andrew's Group. Last week I sent a letter to Intelligent Finance because I am just so annoyed that this debacle is continuing. In
  9. Just another update on this continuing saga... Over the past couple of weeks I've been receiving calls on both my mobile and landline from two Preston based numbers and a withheld number. They can occur anytime between 8 in the morning and 9 at night. The ones left on my mobile have an attached text based voicemail and never say who they are. I have done a Google search and both numbers come up as iQor. Then on Thursday I received a letter from WesScot saying that they are working on behalf of their client and demanded that I contact them in regard of the outstanding balance. This is
  10. Cheers CB...have you ever thought of becoming Prime Minister then the problems in this country would be righted within a day!!
  11. Cheers guys, I just hope it'll finally get the whole lot of them off my back. Really appreciate all your help. Can I scream now??? I sent a letter to iQor (see post 36) outlining my position on this matter. It was sent recorded delivery and still hasn't been signed for, I hasten to add, or at least according to the Royal Mail Track and Trace page. However, this morning, I received another letter from iQor actually confirming receipt of the above letter, but totally ignoring every single point raised in my letter, except to say that their records show that a copy of the CCA was s
  12. So from what you can both summise from my posts I'm in a strong position this time? I suppose the account isn't settled as they were apparently setting up a new repayment scheme for me but if the St Andrew's Group say it's settled then I'd like iQor, IF and whoever to agree to that as well!!
  13. Other than being told on the phone that somebody would contact me to set up a new agreement (sadly I couldn't record this conversation), I received a letter from the St Andrew's Group saying that: "During a recent review of our record we have identified that when you settled your Intelligent Finance personal loan and cancelled your payment protection insurance policy, an error was made when calculating the refund of your insurance premium." I've also included this text from one of my earlier posts to outline the situation a little better... I took out a loan with IF over two year
  14. I just need to be doubly sure to make sure I don't make any mistakes...even though iQor have sent me the original CCA, they don't have a case against me because IF ignored my request in the first place with the S.A.R?
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