Hiya Thank you to everyone who has replied My daughter & my Grandson have only lived in the house for 6 weeks, For the past 4 weeks I have phoned (5 times) the landlord to ask about the hot water, he promised me that this would be sorted out. I have been away for a week, when I came back nothing has been done, & I am now as mad about this as I dont know anything about private landlords. The house is an old terraced house, the smoke alarm is no longer a problem as my hubby has sorted this out. Its the hot water thats the main problem, my daughter will be here tomorrow, so I think the advice that we have been given is the action we will take. The landlord has had more than enough time to sort this out. my only worry will be, if he decides to end the tenancy with my daughter, but we will cross that one if or when it comes. Thanks again for all the help with this one Angi x

Anyone with any advice to this one? Quick details- Daughter rents a house, from a private landlord, the boiler for the hot water was not working, so she has No hot water, plumber came needed a part, 5 weeks down the line still without hot water, plumber still waiting for part. many excuses not to call her back. Smoke alarms? not working when she moved in Who is responsible? Daughter also has a 2 years old child. So if anyone can give me some advice on this one, I would be grateful

Well Done Dave Enjoy Your Spending

Hiya Can you have a look in the Library, there is a thread for MCOL, it also breaks the limit of words to be used down(so it fits). Hope that helps..I am sure someone will see that your a bit stuck & come to give you a hand

Hiya Just sit back & try to relax, (well try too) they have 14 days to reply, most say they going to defend to give them another 28 days. they seem to settle up around day 24-27 of these 28 days. Most courts close later today till 2nd Jan. then it will be full on battle lol. you will be fine, I never bothered them once it got to court stage, but I have read some people have, but thats mainly due to the banks not getting back to them when it was near the 26/27 day of the claim. (does that make sense?) Anyway try to stay calm, & keep your thread posted so I can see how your doing. Have a Happy Christmas & A Happy Money Back New Year

I didnt claim mine back, I wasnt sure at the time, if I could or not. Im sure someone will let you know if you can claim it back or not.

Hiya It looks fine to me, Here is the one I used, if you want to compare them you can. --------------page one Your name & address Banks Name & Address Brief details of claim The Claimant held a bank account with the Defendant in the past xxxx years. The Defendant deducted from my account various amounts of money in penalty charges. The Claimant contends that these charges were legally unenforceable. and the Claimant is demanding the repayment of this money Repayment of unenforceable penalty charges: £xxxxx Interest on the sum due of: £xxxxx ------Page 2 Human Rights – No Particulars of claim The Claimant has an account (account number) with the Defendant, opened year xxxx. 2. Since xxxx, the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details, as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £xxxxx; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxxxxp continuing at 8% until judgment or settlement at a daily rate of £x.xxp; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court. Solicitor – No Don’t forget to sign & date Claimant Your name & address ------------ Where there are xxxxx this is where you put your details Once you have got this far, you then add the claim amount & interest together Eg: 125.00 75.00 200.00 x by 0.00022= 0.04p this is your daily rate Dont forget you Court Fee's Hope this helps

Hiya & Welcome Please make sure you read, FAQ's & step by steps, plus other members threads, you will find by reading some of the things these lovely banks put us through, keep your thread updated, & if you get a bit stuck along the way, let us know what the problem is, someone will be along to help you out. You wont need to be wished luck, but I will wish you luck anyway:)

Hiya I dont much about this one, but can you put a search in at the top of the page that should take you to - Mackenzie Hall. Do any of you know of them? Im sure there will be something here that might help you out. if not get back to me & I will try & find out more for you.

Hiya Well thats Great News CONGRATULATIONS & ENJOY YOUR MONEY:)

Hiya Yes your right, below is a letter for not accepting this offer: Your Address Their Address Date Dear Sir/Madam, Sort Code: ACCOUNT NUMBER: Your Reference: In response to your letter offering £xxxx as a goodwill gesture - your offer is accepted only as a partial repayment of the outstanding balance and I do not recognise it as a full and final settlement. Although I appreciate your offer, I would like to notify you that my request is for £xxxx I hope this matter can be resolved amicably and swiftly. Yours Faithfully (your name) Hope that helps, just copy & paste it & fill in your details

Hiya I have just spoke to someone, whos claim for more than six years is at court now, BUT the lady from the court has rang her to tell her she is only allowed to claim 6 years at this moment in time, I know there are more people trying to claim more than the 6 years, good luck to them, I'm happy with what I got so not going to bother claiming anything else.

Hiya Where are you having problems? I won with my cardcash, I wrote Charges as Notified, with each of my charges. let me know where your problem is & I will guide you thru it

If you are out of work & claiming a benefit: sick/unemployment/job seekers there might be others, worth checking, but you dont have to pay your court fees, you do need to take up to date proof that you are claiming a benefit.

Hiya Im sure it wont come to you going to Court, hardly ever gets to that stage, but if you are the one who has to go, Make sure you put it on your thread, then you will get loads of help & support, try not to worry to much, I know easy for me to say, but Ive been there & it is a worrying time, but saying that, its also a lesson to learn to pass on to others. pm me anytime you feel you need to ok...

Hiya They the Banks have 14 days to reply, most banks say they are going to defend, this is to give them more time & to make you wait longer for your money. but just hang in coz they will pay up

Hiya & Welcome Could you start your thread in the right place, under the bank you are claiming from, you shuold get more help then Did you go thru all the right steps with you claim?

Hiya Wish you luck (not that you will need it) Halifax like to pay up, they also like to make us mad/scared/(hahaha so they think) You will be fine. Just keep us updated, any help you need along the way, Just ask....someone will jump in & help you out.

Hiya Is this the bits you need to know? if not get back to me ok. PAGE 1 Claimant Your name & address Defendant Banks name & address Brief Details of CLaim The Claimant held a bank account with the Defendant for xxxx years. The Defendant deducted from my account, various amounts of money in penalty charges. The Claimant contends that these charges were legally unenforceable and the claimant is demanding the repayment of this money. Value The Sum demanded by the Claimant comprises of: Repayment of unenforceable penalty charges £xxxxx Interest on the sum due of £xxxxx Court Fee Total Amount Claimed £xxxxx Defendants name & address Your Bank Amount Claimed £xxxxx Court Fees (if any) Solicitors costs ------- Total Amount £xxxxx over the page Human Rights – No Particulars of Claim 1. The Claimant has an account xxxxxxx with the Defendant, opened xxxx 2. Since xx/xx/xx the Defendant debited charges and interest in respect of purported breaches of contract.3. Defendant is aware of all details, as a list of charges has already been supplied. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law.5. Claimant claims: (a) return of the amounts debited of £xxxxx. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982.7. Costs allowed by the Court. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xx/xx/xx to xx/xx/xx of £ xxxxx and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 0.00p Solicitor – No Don't forget to sign & date If you go online, you can fill this in by using the template on the site, it lets you line everything up, makes it look really good. Its the N1 form, you need 3 copies if your going to your local court, plus 3 lists of charges that were made from the bank. Don’t forget to add the daily interest rate, at a daily rate of £0.xx; - This daily rate of interest is calculated by multiplying the total value of the claim (charges plus overdraft interest, if claimed) by 0.00022 Good Luck & Keep Me Posted Take Care Angi x

Hiya Im busy helping someone else right now with their claims but this is what you need for court (I'd already had it copied & ready to paste for someone else lol aint you lucky I read your thread(joking said hahah) Any probs let me know ok ......................................................... PAGE 1 Claimant Your name & address Defendant Banks name & address Brief Details of CLaim The Claimant held a bank account with the Defendant for xxxx years. The Defendant deducted from my account, various amounts of money in penalty charges. The Claimant contends that these charges were legally unenforceable and the claimant is demanding the repayment of this money. Value The Sum demanded by the Claimant comprises of: Repayment of unenforceable penalty charges £xxxxx Interest on the sum due of £xxxxx Court Fee Total Amount Claimed £xxxxx Defendants name & address Your Bank Amount Claimed £xxxxx Court Fees (if any) Solicitors costs ------- Total Amount £xxxxx over the page Human Rights – No Particulars of Claim 1. The Claimant has an account xxxxxxx with the Defendant, opened xxxx 2. Since xx/xx/xx the Defendant debited charges and interest in respect of purported breaches of contract.3. Defendant is aware of all details, as a list of charges has already been supplied. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law.5. Claimant claims: (a) return of the amounts debited of £xxxxx. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982.7. Costs allowed by the Court. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xx/xx/xx to xx/xx/xx of £ xxxxx and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 0.00p Solicitor – No Don't forget to sign & date If you go online, you can fill this in by using the template on the site, it lets you line everything up, makes it look really good. Its the N1 form, you need 3 copies if your going to your local court, plus 3 lists of charges that were made from the bank. Don’t forget to add the daily interest rate, at a daily rate of £0.xx; - This daily rate of interest is calculated by multiplying the total value of the claim (charges plus overdraft interest, if claimed) by 0.00022 Good Luck & Keep Me Posted Take Care Angi x

Hiya IF you have paid your court fees then the Banks should refund them as long as you make sure it shows up on your court claim. Hope you know what I mean.

Well Done You can do all the hard work & Your Missue can do all the hard spending lol Just as it should be too Good Luck

Hiya Bill little mistakes can be costly!!! not to worry, you noticed it before it went to Court. Have You have sent your LBA off? Did you send another LBA off with the amended charge? If you did they I cannot see any reason why to send it again, Just stick to your time-table, why confuss them even more than they are already. I know if I am wrong someone will jump in & tell you otherwise, but if Im reading yuor thread right (makes a change for me lol) You have put your little mistake right. I would say as long as the Court claim is spot on they all should be ok.

Thanks Mutzi for your help, I will pass the info to my Sister & let her explain it all to my Mam & Dad Thanks Again

ohh its easy done, I know I did the same when I did my claim lol I think this bit is the one that needs to be done with more care than any other part of the claim, coz this is the final bit that has to be spot on, we dont what to see any little mistakes now, But hey thats what the great people on this site are here for, to give a helping hand.