take a look at the below, and yes, i did not take it out. Amount of Credit: £80.00 Duration of Agreement: 3 days Total Amount Repayable: £104.00 to be repaid in a single payment on 10/08/2009 APR: 7,457,669,679,352,83% in words that's (i think) 7 million billion 457 billion 669 million 679 thousand 352 hundred 83 units if that not a joke, tell me what is

my other half let them in even tho what i said. the LL friend came and there where happy with the place clean and tidy. still have still not we got the S21 notice in writing however now the LL friend has came round and seen the place i will let you know what happends in the next few days. thanks to all helping me so far.

update, the la and ll did not come at the time said. we phone them and got told "now coming this evining" still we have got it in writing that they are coming nor have we got the S21 notice in writing.

are you saying beause of the laminate flooring and the kids that we sholud no be in the flat at all, and therefor, it is the LA fault about the noise? it bit about "now illegal to put laminate flooring in above the ground floor" can you point me to a website which say that please? thank you

that is what i am going to do

no not as yet as we are waiting for the note to come. we was ony told my mouth on friday afternoon

as of yet, we have not had the s.21 notice from the post but we have seen the flat is back on the net. we have had no waring letter as such, just one letter saying there as been excessive noise (prob kids playing) rubbish on stairs and bins with wrong rubbish. the LA and LL or LL friend is coming monday but as not sent it in wrighting

its a private landlord

i am wanting to send the letter as below and thery are prob the main reasons why the LL and LA want us out. we have had probs with water likes, noise and have accused for setting the fire ailmes off and just dumping rubbish by the bins ect. also the kids have been noisely as we have laminate flooring. not much we can do if thery are playing with they toys or having fun as we have 3 kids under 5 and are on full houseing benfit does it make any different

bump i am going to send the below letter to my letting agent. is it ok to be sent 7(1) Data Protection Act 1998, Subject Access Request OR 7(1) (d) of the Data Protection Act 1998.Subject Access Request Dear Sir/Madam, Re.: xxxxxx I am writing to request a copy of all information over the last years (at my flat address). The information required should include, but not be limited to: any document sent by you to me, any document sent by you to a third party, any document sent by a third party to you, any telephone transcription between you and me, any telephone transcription between you and a third party. any repair work Please find enclosed a fee of £10 for the maximum statutory charge. I look forward to your response within 40 days, as you are obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.

the letting agent sent round 3 people to look at the pipes and found 1 large Tweezers and a ring (very black) that did the blockage and hair. the Tweezers and the ring is nothing todo with us. i have look at all 3 CRA and none show the credit check that was done for the flat that i live in now. out deposit (1k) is under the tenancy deposit

update, the letting agent has been round has has told us that the landlord will be giving a section 21 notice. i have seen from the link Section 21 Notice To Quit what is going to happen. the letting agent is going to find us somewhere else as we have 3 kids (4, 2, 1) is there anything i need to know?

i have been in my flat now for 1 year and i would like to sumit a SAR to my landlord/letting agent. can someone point me to a link to a letter please. when i moved in i had to paid £65-70 to have a i.d and credit check, on looking at my experain report, i can't see this being done. also my kids (4, 2, 1) left water running in the bathroom and some when into the shop below. what is my best think to do next? the letting agent is round today to look at the damge.

when you post can you see a paper clip near the smily? or if you can't you can do iv via Image hosting, free photo sharing & video sharing at Photobucket

the cheque might be duff and bounced (unpaid in your account)

my halifax has got a cash/cheque Immediate Deposit Machines. has you halifax got this too? if it has use it to pay your cheque(s) in and you will get a receipt with scaned copy of the cheque(s) your bank and the cheque details date and time. if any more get "lost" you will have a receipt show them that but, keep a copy for your self!! lol forgot to say you will need you card

(note, the below is also posted in the netwest form) what a joke. read the link below from money saving expert MoneySavingExpert News - Natwest and RBS to charge for branch withdrawals a copy is below Natwest and Royal Bank of Scotland (RBS) have created a set of new over-the-counter cash withdrawal charges that come into effect later this summer. The duo, both part of the RBS group, will soon charge fees to take out money at rival bank counters in the UK and abroad. Natwest customers will even be charged when withdrawing at an RBS branch counter, and RBS customers will be charged at a Natwest branch, despite both being part of the same organisation. Abbey, Alliance & Leicester (A&L) and Barclays already levy similar fees. Abbey and A&L are part of Spanish banking giant Santander yet Abbey charges its customers to withdraw cash from an A&L branch counter and vice versa. These are just some of the many stealth fees levied by banks, yet some providers are more lenient than others. The top accounts can be found in the Best Bank Accounts guide. Natwest/RBS UK charges Natwest Visa debit card holders will pay 1.5% of any amount withdrawn (minimum £2, maximum £4.50) at a non-Natwest branch counter from 5 September. RBS Visa debit card holders will pay the same fee at a non-RBS branch counter from 15 August. If you withdraw £100 at a rival bank counter, £102 would be debited from your account. Natwest and RBS are not adding charges to ATM withdrawals. The move will hit those who prefer over-the-counter withdrawals and those who need to take out large sums that exceed their ATM withdrawal limit. Abbey/A&L/Barclays charges Abbey charges 1.5% (minimum £1.99) at any rival bank counter, including A&L. A&L's fee is 2% (minimum £2) at any other bank counter, including Abbey. Abbey and A&L are being rebranded as Santander over the next 18 months. Once the rebrand is complete, Santander customers will not be charged for taking out cash at any of its branches. Barclays charges 2% (minimum £1.50, maximum 4.50) at any rival bank counter. None of the trio add an ATM withdrawal fee. Avoiding the fees The other major banks, plus Nationwide Building Society, say they do not levy similar over-the-counter withdrawal fees. The easy way to avoid these fees is to withdraw cash from a bank-based ATM or use a counter belonging to your bank, as these are usually free. Some non-bank ATMs charge a fee. These are often found in newsagents and pubs. Dan Plant, MoneySavingExpert.com money analyst, says: "These charges are another smack in the face for customers, from big banks trying to claw in as much cash as possible. These fees are easily avoided so make sure you protect your pocket." Overseas charges Natwest/RBS customers will also pay a new 2% fee of the sterling amount withdrawn from any overseas bank counter (minimum £2, maximum £5). This brings the pair's over-the-counter charges in line with their overseas ATM charges. The charges come into effect at the same time as the new UK over-the-counter charges. They are in addition to the currency conversion charge of 2.75% of the amount taken. A £100 overseas withdrawal will result in a £104.75 debit from your account. The top bank account to use overseas is the Nationwide FlexAccount. With it, there is no cash withdrawal fee worldwide and no currency conversion charge in Europe. However, you'll pay 0.84% of the transaction amount when you use the card in most non-European countries

what a joke. read the link below from money saving expert MoneySavingExpert News - Natwest and RBS to charge for branch withdrawals a copy is below Natwest and Royal Bank of Scotland (RBS) have created a set of new over-the-counter cash withdrawal charges that come into effect later this summer. The duo, both part of the RBS group, will soon charge fees to take out money at rival bank counters in the UK and abroad. Natwest customers will even be charged when withdrawing at an RBS branch counter, and RBS customers will be charged at a Natwest branch, despite both being part of the same organisation. Abbey, Alliance & Leicester (A&L) and Barclays already levy similar fees. Abbey and A&L are part of Spanish banking giant Santander yet Abbey charges its customers to withdraw cash from an A&L branch counter and vice versa. These are just some of the many stealth fees levied by banks, yet some providers are more lenient than others. The top accounts can be found in the Best Bank Accounts guide. Natwest/RBS UK charges Natwest Visa debit card holders will pay 1.5% of any amount withdrawn (minimum £2, maximum £4.50) at a non-Natwest branch counter from 5 September. RBS Visa debit card holders will pay the same fee at a non-RBS branch counter from 15 August. If you withdraw £100 at a rival bank counter, £102 would be debited from your account. Natwest and RBS are not adding charges to ATM withdrawals. The move will hit those who prefer over-the-counter withdrawals and those who need to take out large sums that exceed their ATM withdrawal limit. Abbey/A&L/Barclays charges Abbey charges 1.5% (minimum £1.99) at any rival bank counter, including A&L. A&L's fee is 2% (minimum £2) at any other bank counter, including Abbey. Abbey and A&L are being rebranded as Santander over the next 18 months. Once the rebrand is complete, Santander customers will not be charged for taking out cash at any of its branches. Barclays charges 2% (minimum £1.50, maximum 4.50) at any rival bank counter. None of the trio add an ATM withdrawal fee. Avoiding the fees The other major banks, plus Nationwide Building Society, say they do not levy similar over-the-counter withdrawal fees. The easy way to avoid these fees is to withdraw cash from a bank-based ATM or use a counter belonging to your bank, as these are usually free. Some non-bank ATMs charge a fee. These are often found in newsagents and pubs. Dan Plant, MoneySavingExpert.com money analyst, says: "These charges are another smack in the face for customers, from big banks trying to claw in as much cash as possible. These fees are easily avoided so make sure you protect your pocket." Overseas charges Natwest/RBS customers will also pay a new 2% fee of the sterling amount withdrawn from any overseas bank counter (minimum £2, maximum £5). This brings the pair's over-the-counter charges in line with their overseas ATM charges. The charges come into effect at the same time as the new UK over-the-counter charges. They are in addition to the currency conversion charge of 2.75% of the amount taken. A £100 overseas withdrawal will result in a £104.75 debit from your account. The top bank account to use overseas is the Nationwide FlexAccount. With it, there is no cash withdrawal fee worldwide and no currency conversion charge in Europe. However, you'll pay 0.84% of the transaction amount when you use the card in most non-European countries.

u will need to hear something back by the 18Th i believe

hi, did you cancelled the DD 48hrs b4 it was due to come out? how did you cancelled the DD?

after seeing this, i a had a look at my experian credit report and there is a mark as below "Unrecorded enquiries, quotations, identity verification checks and credit report applications are shown for you on your copy of your report but are not seen by lenders. " Name:x Address: x Date of birth: x Searched on: x Searched By: CAMELOT GROUP PLC Application Type: Unrecorded Enquiry

for us to help you, you need to scan your CCA's and put the up on here without your detales

sorry to say this but, it does look forceable to me. it has APR, cancel rights says CCA 1974 wait untill othere pp see it as well. i can't help you much more then this

how did the dd stop? have you got any paper work from when you took the loan out? if so it should a date saying when the loan is fully paid.

the below will help you Social Security Administration Act 1992 Miscellaneous Certain benefit to be inalienable ** 187- Subject to the provisions of this Act, every assignment of, or charge on- (a)benefit as defined in section 122 of the Contributions and Benefits Act; (b)any income-related benefit; or ©child benefit, and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors. ** inalienable = not to be forfeited, or not transferable. Basically they can't take your benefit money for overdrafts or debts, and if they have you can ask for it back. from Moneysupermarket.com - Can banks take benefit money for charges?