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usman330

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  1. Thankyou for the replies. I have founds my Barclaycard folder and I did do a SAR from them a couple of years back when I was sorting out my credit files. They took £850 out of my current account. I have also gone through the statements they sent me through the SAR and I have totalled £460 in late payment charges excluding any interest that would be added on due to the late payment charges. Im going to read up on how to take it forwards now, im not sure whether I should send them a letter or call them as per there £75 compensation letter.
  2. Hello all, A good number of years back when I was a student I had a Barclaycard which I managed very poorly and managed to get into a big mess and stop paying. Barclaycard were sending letters to a number of my student addresses and I didn’t keep track or open them apart from knowing I needed to get a grip of the situation. I had a Barclays current account at the same time, and while the Barclaycard debt was ongoing my father sent me a sum of money to pay for my tuition fees and accommodation. One day I noticed Barclays had taken the outstanding amount
  3. Thanks for all the advice. I have written a letter that I am going to email them if it all looks ok? Dear xxx, Thank you for clarifying the amounts, please find my position in relation to the 2 alleged outstanding amounts below. 28 May 2012, Late Payment Fee I do not admit liability for this debt, and I do not intend to make any further payments to it for the following reasons: - The earliest point at which you could have sued for the full balance owing to this debt was more than six years ago - No payment has been made to this debt by me, any joint account-holder, or
  4. Thankyou for the reply Andydd. Firstly, would the new managing agents even be legally allowed to continue to collect admin charges/legal fees from matters arising from the previous managing agent? Late payment fee - I have not received any of the documents you referenced, as the managing agents only collect the service charges I guess I should have received a summary of rights. From your earlier reply on you stated 'For any pure service charge cost..the stat barred limit is 12 years but for any resulting admin cost its 6 years as is ground rent.' We are over the 6 years now, so should
  5. Thankyou for all the replies. It all went quiet whilst the new management company were taking over. The new management company are still chasing it, they have clarified that the 'outstanding balance' relates to the following 2 items: 28 May 2012 - £114 late payment fee (could this be statute barred as over 6 years?!) 18 Feb 2016 - £450 legal fees re section 146 procedure I have never been taken to court by Regalty or anyone else, hence the £450 legal fees being a strange one, and could the £114 fee from 2012 be statue barred? What would be a suitable response, wo
  6. Thanks, will post again hopefully a bit clearer: Thankyou for that, so if I am right which I am certain I am in that all of the costs they have added together are 'charges', with one being from 2012 for £114, then that would be statue barred now. They have responded to my email: On 16/06/2018 21:00, Legal Department wrote: Dear xxx You are quite incorrect insofar as the law is concerned. Your request pursuant to Section 21 cannot be complied with by ourselves as we are in the process of handing over to Realty Property Management and therefore would r
  7. Thanks Andy. No, im not behind on service charge payments. From my own guessing I can work out they are chasing me for these 2 charges: 28 May 12 – late payment fee £114 18 Feb 16 – legal fees re section 146 procedure £450 What annoys me the most is that these 'charges' were put onto my account as they reckonded they had written to me in regards to emergency payments, I never received the letters and they put the charges on. As soon as I was aware of the emergency payments they wanted I paid them. Would the 28 May 2012 late payment fee be statute barred now as its ove
  8. When I questioned them on the lease a long time ago they said this: > Paragraph 1.2 of Part I of the Third Schedule of the Lease says as follows: > > "To pay to the Lessor or the Management Company as the case may be on a full indemnity basis all costs and expenses incurred by the Lessor or the Management Company or their respective solicitors in enforcing the payment of any Rent or Service Charge or Service Charge Adjustment or Additional contributionicon or other monies payable by the Lessee under the terms of the Lease" > Going back to how these charges
  9. Thankyou andydd, our replies both came in at the same time so I will read through your post and update
  10. Thankyou. The last I heard from them was this when they threatened to start legal action within 7 days which didn't materialize, that was in Feb 2017: On 04/07/2017 17:35, xxx xxx wrote: > Dear Sir > Kindly confirm if the outstanding balance will be paid? Failing which we will issue proceedings against you. > > Kind Regards > > xxx xxx LLM (Hons) > Solicitor On 1 February 2017 at 12:53, xxx xxx wrote: > Dear Sir > Further to the below, we note that a large balance remains outstanding. If payment is not made within 7 days
  11. Update after a lengthy period! So, I ignored all the demands for payment of these 'charges' and just continued paying the managing agent charge, they did send a few emails threatening court action but nothing happened. Recently found out that Regalty being replaced as managing agents and another firm is taking over. I received a letter from Regalty where they are once again chasing the 'debt' as no doubt they want to cash in as much as they can before they are replaced as managing agents on 28 June 2018. The letter is titled 'pre action protocol in relation to service char
  12. 'Paragraph 1.2 of Part I of the Third Schedule of the Lease says as follows: "To pay to the Lessor or the Management Company as the case may be on a full indemnity basis all costs and expenses incurred by the Lessor or the Management Company or their respective solicitors in enforcing the payment of any Rent or Service Charge or Service Charge Adjustment or Additional contributionicon or other monies payable by the Lessee under the terms of the Lease" Reading the above carefully, it says 'all costs and expenses incurred'. And looking at what they are actually trying to charge me for:
  13. I emailed them asking for an extract from the lease which shows these 'admin' charges are valid, they have responded with: 'Paragraph 1.2 of Part I of the Third Schedule of the Lease says as follows: "To pay to the Lessor or the Management Company as the case may be on a full indemnity basis all costs and expenses incurred by the Lessor or the Management Company or their respective solicitors in enforcing the payment of any Rent or Service Charge or Service Charge Adjustment or Additional Contribution or other monies payable by the Lessee under the terms of the Lease" Anot
  14. No they have not taken me to court as of yet but put the charge on my account already. I will try and find a copy of my lease to see if they can do this. If I ask them for a copy of the lease do they have to supply it ? I am totally up to date with all the service charges/management fees.
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