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  1. I have an hour ago received the following email following a complaint to the dps Hopefully the contents of the complaint will be used as part of the evidence by the new adjudicator Thank you for your email of 23 September 2019. I am sorry that you remain unhappy following my previous response. Having reviewed your comments in this email, along with the tenancy agreement an the adjudicator's decision, I am inclined to agree that the adjudicator has not full considered the terms of the agreement. I agree that this is important because the check out report did not
  2. I need some advice on where to go next. Sorry this is a long one. Basically we moved into a property in 2017 all was fine for a year or so but then the landlord wanted us out and started inventing various things we had apparently done wrong – all of which were false btw and only started when we asked the landlord to fix the faulty boiler. The boiler was faulty meaning often had no hot water or heating for months nobody was ever sent to this, we had a gas safety check by a different plumber to the one the LL uses and he found the fault and logged it on the certificate, the LL is no
  3. Agents terms of business as published on their website TERMS OF BUSINESS LETTING & MANAGEMENT SERVICESINTRODUCTIONThank you for considering * Estate Agents (the trading name of * Ltd) as the Letting Agent for your property. As experienced letting agents, we understand the importance to Landlords of not only securing an initial tenant for your property but also maintaining contact with the tenant with a view to securing renewal of the tenancy where required, thereby reducing the risk of rent voids. These terms and conditions set out the services available from us as Letting Agents. They als
  4. Hi all Having problems with a letting agent. We own a mortgaged house which we rent out with an agent, the rent doesn’t quite cover the mortgage + insurances, we told the agent that we might need to make small increase to the rent they were very pushy saying we can’t do this, the rent has never gone up since 2008. We struggled through and a year ago I emailed the agents telling them I would self manage and use them for tenant finding, I was told we couldn’t do this without paying a months rent, we couldn’t afford to do this as it would have meant we couldn’t pay that months mortgage.
  5. Thats what I thought it was when sabre commented to say that " What they did with mine was charge the premiums monthly to my current account. As a result no apr was applied to the loan premiums on the loan account." That made me think, (ok I know it doesnt happen often). They did the same here the payments came out of current account, not from the loan account
  6. I am looking at prepping POC at mo, It was the interest rate that stumbled me, I had added apr of the loan account onto the spreadhseet I sent to them originally (obviously at that stage I hadnt included stat interest) I am wary about adding interest now
  7. We had no idea it had been included, it was only going through current account statements a few years later my wife was wondering what this payment was for , it took a while to figure out that the 14 figure reference was actually the flexi loan sortcode and account number I have attached the response to which they said get stuffed basically
  8. Thanks, it is going to be a nightmare going through to see if the payments were taken whilst in overdraft
  9. Thanks DX I saw the upload pic box which asked for a url only way I could think of was to host on PB, sorted now
  10. I have tried but photobucket wont accept PDFs
  11. If using CC route do I include apr and then add 8% ?? I had left this dormant, however I think its time this was dealt with I sent a chase up letter to hsbc to see if they had changed their position and they still say that they stand by their original decision letter which i have hopefully attached
  12. Hi I have going around in circles trying to find this info out, is there anywhere to find the APR to include into spready Its for HSBC Flexi Loan taken out Feb 06 and still open, I believe the current rate to be 17.9% but no idea what it was when the loan was taken out
  13. In response to the points they have sent, they have admitted that Flexi loan was taken out in Feb 06, they have also stated that the Flexi Loan account included the optional insurance, this was not explained at the time, the benefits were not explained, they claim that this information is in the policy document and product information pack, which we do not have, no assessment was made at the time as to whether this policy was suitable or not, or what procedures were in place from employer in the event of sickness etc, the employment contract covers full pay for th
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