Just an update guys... I got out of the accommodation and it was repossessed. LL failed to place the deposit in a scheme and even more put a false address on the tenancy agreement. I reported his to the HSE as he failed to supply a gas cert. The guy has return £700 out of the £1400 owed and he has today texted me saying he will sue me for 12 mths rent. The guy is clearly deluded, however it still sits heavily on my mind, can he do this and is he likely to win? Any thoughts please.

LL claims he knew nothing about this despite previous tenant bring it to his attention in March. Eversheds advised that they had spoken to him before we moved in and he was well aware of the situation, cannot delay possession as they have been here before with this LL. I Have asked for my money back and proof of deposit scheme. He has until 4pm on 1st June or I will start legal proceedings. Letter from eversheds and also hand delivered eviction notice arrived yesterday, eviction date is 13th June @ 10am Anything else I can do?

We moved into a rented 3 bedroomed house on 28th April 2012 and paid a deposit of £700 and one months rent in advance of £700. I came home from work last night and found a letter from Eversheds addressed to the Tenants advising that we face eviction. It turns out that there was a repossession hearing in January 2012 and my landlord was meant to give back possession of the property by 22nd February 2012. I can only imagine the LL would have been aware of this? On the day we moved in I found an eviction notice and asked the LL about it he advised me that it was for his previous tenants as they hadnt paid the rent. By the looks of things the Lender now owns the property, but where do I stand? Is this fraud / Deception to obtain money? Shall I notify the Police? I really dont know what to do please help

So basically pay twice for heating and twice for broadband? My main concern is if I am made bankrupt or as I have come to arrangements with creditors. Is the contract/ tenancy voided?

Hi all, For the past 18 months I have been lodging with someone and paying £85 per week, which included all bills and also unlimited Broadband. For the past 6 months things have become increasingly frustrating, as she keeps turning off the Broadband Router at the wall, sometime while I am working in my room. She also never has the heating on in the house unless she is in. All of the Central Heating controls are in her bedroom and I obviously wont go into her room. I have a three year old son who stays with me on a alt week basis and a few times he has said "daddy, I am cold" I have mentioned this to her on a few occasions and I either get ignored or get told well its her house!!!! I have never missed any rent payments and havent even brought anyone back to the house. I suppose I would be called an ideal tennant. However, I have been struggling with other debts and one company wants to make me bankrupt. There is a clause in the agreement that if I agree terms or am made bankrupt the tenancy is null and void? Is this correct? Can she do anything about this as I still have another 6 months on this term? Please advise many thanks in advance

Hi, The issue date is 20th Sept but it arrived 2 days ago?? Particulars of claim are: 1) The claimant, which has its registered address at 10 Crown place London, EC2A 4FT, provided deferred funding to the defendants for a Home Information Pack (HIP) under an agreement 2) The Defendants have breached the Agreement by failing to make the payments specified under the terms of the agreement 3) The Claimant has attempted to contact the Defendant by telephone and letter to discuss repayment of the outstanding amount but has had no satisfactory response 4) The defendant is indebted to the claimant in the sum of £681.06 in respect of the principal sum and default charges due under the agreement. The claimant therefore claims the sum of £681.06 The rest is made up of a Court Fee of £55 and also Solicitor Costs of £70. I have never received any telephone calls or letters from this company, these may have been sent to old address which was repossessed in January this year How should I go about this, I thought that the HIP were scrapped last year? I have no idea what to do and to be honest I cannot afford it either any advise please

Hi, The issue date is 20th Sept but it arrived 2 days ago?? Particulars of claim are: 1) The claimant, which has its registered address at 10 Crown place London, EC2A 4FT, provided deferred funding to the defendants for a Home Information Pack (HIP) under an agreement 2) The Defendants have breached the Agreement by failing to make the payments specified under the terms of the agreement 3) The Claimant has attempted to contact the Defendant by telephone and letter to discuss repayment of the outstanding amount but has had no satisfactory response 4) The defendant is indebted to the claimant in the sum of £681.06 in respect of the principal sum and default charges due under the agreement. The claimant therefore claims the sum of £681.06 The rest is made up of a Court Fee of £55 and also Solicitor Costs of £70. I have never received any telephone calls or letters from this company, these may have been sent to old address which was repossessed in January this year How should I go about this, I thought that the HIP were scrapped last year? I have no idea what to do and to be honest I cannot afford it either any advise please

Thanks Silverfox, now I was under the impression that they needed my permission to do this "To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement"

Lowells have advised me that they cannot obtain a CCA from an alleged account with ASDA Credit Card. I asked them to remove all information from credit reference agencies but they have replied by saying that they are not allowed to as they are required to provide accurate information which reflects how the account is ran. What account, they cannot provide any evidence of an account? How can I get the information removed from my credit files Many thanks in advance

I have received notification from Northampton County Court Bulk Centre saying that Close Premium Finance have started proceedings to the value of £806.06 This is for a Home Information Pack (HIP) from when my ex and I were selling our home after we split up. Unfortunately the home was never sold but was repossessed in January this year. I have had no correspondence regarding this matter as I assume that it has all be going to my old address. It looks like there have been charges placed on this account What can I do? Any advice please

ha ha they have no comeback for that as I already have a license for the TV anyway

Right just to update On 13th Sept I attended court and did a Stat Declaration. The judge was happy to set this aside as I could show that I was no longer at that address. Just have to wait and see if any further comeback from TVL Do they have a time-scale to respond? thanks for everyone's help

Right just an update, I have attended court again this morning and done my SD. The courts have now set this aside, so I just need to wait and see if there is any comeback from the TVL people. What should I do if they do try again and take me to court?

Hi guys can someone have a look at this Statutory Declaration as the Courts have asked me to do one. I: MrXXX XXXX of: XXXXXXXXXX DO SOLEMNLY AND SINCERELY DECLARE THAT: I had no prior knowledge of any correspondence from Gateshead & Blaydon Magistrates Court following an offence for “use of a television set without a license”. From information provided to me on Tuesday 23rd August 2011 by the South Shields Magistrates Court I am informed that a hearing for this matter was held in my absence on 4th November 2010 where I was fined £175 with costs of £60. The reference number for this case is: XXXXXXXXX AND THAT: Notification of this fine first came to my attention on 13th August 2011 when I received an arrest warning for a warrant issued on 9th August 2011. I telephoned the courts on 15th August 2011 to be told that this warrant had been withdrawn but I must attend a hearing on 23rd August 2011 at 10am. I would like to advise the Court that I moved out of the address of XXXXXXXXXX in July 2010 due to a family breakdown and illness. My address was then XXXXXXXXX; I had an application for a contact order through the family courts at the same time. The reference number for this case is: XXXXXXXXX. In addition, I have also been suffering from depression after a bereavement for which I was receiving medication. My financial position is that I am currently in receipt of benefits and that I have been making payments of £10 per fortnight to the courts for what I thought was a motoring offense from 23rd July 2010. I genuinely do not remember receiving documentation concerning this fine. I make this solemn declaration conscientiously believing the same to be true and by virtue of the provisions of the Statutory Declarations Act 1835. DECLARED AT: SIGNED: DATE: Before me: Solicitor/Commissioner for Oaths: Do I need to add anything else? The officer who visited me didnt even come onto my property we had a discussion in the street about it all. Really Really worried about this any help would be great

Right, update time. Letter received from TVL saying they have investigated this matter and their officer has recorded that I admitted to using a TV without appropriate license and that my description of events was at variance with this record. In other words they are saying I am lying!!!! I have emailed them back and asked for a copy of this record of interview and also advised that at the time of the visit I was merely collecting rest of my personal belongings and that no TV was in the property, I can show new address details as I have letters from the CSA and also a Family Court application/proceedings showing my new address. What else can I do? Please advise. regards

Hi Guys, In July 2010 I was moving out of my old property due to illness (Skin Cancer surgery etc) and moving back to my parents to recoup orate. Anyway on Saturday while I was uploading the car full of my personal stuff I was visited by one of the TV Licensing "salesmen" who asked if I had a license. I pointed out o him that there is no TV in the property and that I was selling the house, hence the two For Sale signs he was looking at, my front door was wide open so I said to him that he could go in and have a look for a TV as I knew there wasnt one in there The guy declined as he could see that I was actually moving premises hence the nearly full cars. He asked if I knew who was moving in, I advised that it would be empty until the estate agents had sold it. He then said he would notify the TVL that the property is empty and that I had moved. He then asked my to sign a sheet to prove that he had been at the premises. I was never cautioned and the sheet had written on it that the property was to be left empty due to relocation. last week I received an arrest warrant for non payment of fines and was summonsed to attend a court hearing this morning at 10am. To my astonishment when I arrived I was told that it was for non payment of a TVL and I had been fined £175+£60 costs, apparently the case was heard in November 2010. I explained that I had vacated the property in July 2010 and had no knowledge of the hearing or fine The case has been adjourned until 13th Sept as the wish to obtain further info from TVL about the fine, I have been advised that I may have to do a statutory deceleration. I am absolutely livid and embarrassed about this as clearly this TVL "salesman" hasn't said what he said he would do and is clearly working on a commission or bonus scheme. I have sent the TVL an email advising the of the incident and advising that I hadn't lived at the property since July 2010. Is there anything else that I can do, I am crapping myself about this don't want to be sent to prison!!!! Please help

sorry that should have read Is it not only standard practise - lol

Its only standard practise when the card is expired not when it has been lost or stolen? Furthermore, the details on the two accounts were completely different, surely alarm bells should have rang out and it should have been flagged up?

Last month the Co-Op Bank sent me a letter saying enclosed is your new card as my old one was due to expire. There was no card in the envelope so I called them and they stopped the card and issued a brand new one, new card number etc. All was fine until yesterday, when I checked my bank account only to find a few card payments that I do not recognise, one being to Credit Expert. I called them and asked where they got me new card details from as I did not wish to continue my subscription (no use for it) and I did NOT furnish them with my new card detail. Credit Expert advised me both over the phone and via email that my bank had given them the new updated card details. I spoke to the bank and they have said this is normal for expired cards???? First of all this is not classed as an expired card as the original went missing in the post, this is classed as a replacement of a lost/stolen card. Secondly, the address details that Credit Expert had for me are completely different to those my bank have. I have spoken to my bank over the phone and they were very unhelpful and very abrupt, basically because they didnt understand what had happened, the so called Team Leader told me where I worked, a breach of DPA? What can I do? The way I see it I did not give authorisation for the Co-Op Bank to given anyone my details, are they in Breach of DPA or any other Law i.e Fraud? Please advise Many thanks

It was a fixed penalty, which I asked to be taken to court so that I could request more time to pay. I never heard anything else until the letters from Philips, I have spoken to the court thios afternoon and they said they didnt receive my request for a hearing and that they had sent a letter out to me, to my old address. The courts have advised me to go to the CAB as they cannot do anything once the distress warrant has been issued

I recently received a letter from Philips DCA claiming they had received a Distress Warrant for non payment of a £300 motoring fine back in August last year and that they will be sending a baillif visit to these premises. I contacted them by phone initially and all they did was bully me, so I complained and disputed the debt via their website, as I knew nothing about the case even going to court never mind me being fined. I also explained that I am recovering from skin cancer and a breakdown caused by this and the loss of my son. Today I received a knock at the door and a woman said she was a bailiff from Philips coming to collect an amount of £615 and that she wanted it straight away. I advised her that this was in dispute and that I was still recovering from an illness etc. She was sympathetic and said she would feed this back to the office, I advised that I had already done so in writing. I am completely stuck now, what can I do to stop this, I moved back in with my parents because of the illness and have no possessions here as it is all my mum and dad's stuff. I dont dispute the fine of £300 but they have placed an extra £315 in charges on top. please help me urgent regards

I was stopped by Police last year as they said my vehicle was uninsured, I was given 7 days to produce docs, when I took them to the Police station there was a discrepancy on the docs (they had expired a month previous and i didn't realise - ) and I ended up being fined £300. I have been approached by Marston Group who say the fine is £644 and Philips who say they have £720 and that they have been told via the courts to arrange collection. I have written to the courts today as I knew nothing about any court case or it being transferred to any DCA, because I moved address and have been ill with skin cancer for past few months. I am still awaiting a response from courts. Both DCA's are advising of baillif visits, I have requested copies of their complaints procedures and these have been ignored and speaking to these people basically is useless. I am not doubting I owe this fine as it was my own stupid fault, however I am currently unemployed because of my health and I dont know what to do. Please can someone help me?

Hi guys, some advice please. I work from full time from home for a contract print company based in the South West of England. The company only employs 4 people including myself, in the past 18 months the MD has taken away my company car as he could no longer afford to pay it, he has cancelled everybody's comission payments and on 4 occassions in the past 8 months my wages have not gone into my bank when they should have done. The MD has set an individual sales target of £10k per month and until today, I have only been working on 1 publication that is only valued at £5k. In February, I decided to take Paternity Pay for 1 week as we had just brought our amazing son into the world. When I emailed him advising him I was taking SPP, within an hour I received an email back inviting me to a "Disciplinary" for lack of sales. The best thing was during December & January I had only worked 1 week in each month due to holidays and Christmas etc. Furthermore, he conducted the "disciplinary" in a pub:shock: Now on Friday just gone, I was meant to be paid again, and guess what, it has not gone in, checked again this morning and it still hasnt gone in, the Bank are putting a trace on it. I have spoken to my MD and he has said that he did the BACS payments on Wednesday night last week, even though he knows it can take 3-5 working days for a BACS payment to clear. Furthermore, he has underpaid me by about £400 to which he is claiming he has made "enquiries" Is there anything that I can do? I am really angry and upset about this whole thing and fear that it is effecting my health, which is also making my partner become increasingly concerned about me. We have a 4 month old son. Any advice please, many thanks

Many thanks for your reply alanalana. I have all correspondence in writing, I have just sent a SAR today so should be interesting to see what happens. Will keep you updated JN

Vanquis have still not supplied a CCA and its been 7 months now. They have made me an offer via the FOS of £80 + £9.81 interest :mad::mad::mad::mad::mad::mad: Very frustrating especially as it will take FOS 2 - 4 months to investigate the complaint further. At the end of the day, I will pay what I owe, but there are inconsistancies with there APR, I want to see a CCA that I have signed.