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  1. I cancelled it as soon as I got cash out to last me a week!
  2. Oh, and the reason I found out so quickly is because I regularly check my account and that morning was about to pay some rent when I noticed I suddenly couldn't afford it!!
  3. Thanks guys for your replies. Firstly it was online buying, so I'm guessing the person who skimmed me must have copied those details from somewhere online. It could be so easily done... how often do you pay for something and give your card details to someone over the phone/in writing? I seriously wouldn't begin to think where they could have got the details from. One thing I do know is that I am very careful with my actual card, I keep it on me at all times, don't let it out of my sight, shield my pin etc. I guess it was just one of those things. My bank have been helpful in reassuring me. I asked what the situation was with refunds, and they assured me that as it was online fraud, there was practically no reason why it would have been my fault. I have contacted the company I know he's used my card with, they have since tried to stop the delivery from going out, but I have yet to chase them up for a conclusion. The problem is the funds aren't cleared yet, and although my bank can tell me over the phone any uncleared funds, the few times I have spoken to them it's not really been clear how many transactions there have been. I'm guessing that because I have a police reference number, and that they have been informed of my intent to stop delivery of the items to an address in London, it's showing that I am not responsible for these funds going from my account.
  4. Two days ago a man somehow got my card details, bought loads of clothes with it, and even donated a bit to charity! I rang the company with which he'd indulged and a lovely lady gave me ALL the details, including address (the one thing he'd be honest about). I immediately rang the police fraud team and gave them the details. Turns out though, my bank have to decide who's the victim before anything gets done. Either they repay me and the problem's in their hands, or they refuse to refund it, in which case I have a reference to give the police and we continue with the case, leaving the bank out of it. Either way, everything is now on hold until the bank goes through their probably lengthy procedures into what to do next, and in this time there is a man at an address awaiting a delivery bought with my money. This is frustrating as I know that by the time anything gets decided, this bloke will have got his goods and probably moved on, meaning that the problem of credit card fraud merely continues without any resolution, and more people become the victim. Does anyone know of anything more that can be done? It would need to be through official capacities as the police have instructed me to do nothing with his details and not use them in any way. I am so frustrated that this person is blatantly going to get away with it!
  5. Just to clear things up, it was last weekend the washing maching first broke, and we knew by Thursday that it was properly broken. The licence that the landlord has not got is something to do with HMOs. According to the council, the landlord cannot issue a section 21 without this licence, and cannot get this licence without supplying a recent list of checks (gas, elec etc). As we are still getting shocked, I'm guessing he's not done this. I've not got personal and insulted the landlord, my beef with him was that he tried telling me how he's too busy to sort this out, when one 5 min phone call to the company would have it sorted. He doesnt even need to deliver or fit the machine. Today is Sunday, I got an empty promise last night saying it would be sorted today. Still nothing, and I've text him asking for a rough time as I will be going out shortly (to the cinema, to cheer myself up! (in dirty clothes)). As for witholding rent, my contract states I must pay within 14 days before they can start taking action against me. I've just secured my 3rd year house with the money I was going to use as rent, but I get a bursary on the 13th and will pay him then. Until that day he can think I'm witholding it because of his actions (or lack of!).
  6. It doesnt say anything in it about fixtures and fittings being repaired by the landlord. Is there a basic law that covers this?
  7. Hello... this forum is my only hope to save my sanity. Last week our washing machine stopped spinning. It got 'fixed' and worked for a couple more spins and then broke again. This time the company that fixed it the first time diagnosed it as old and kapoot. They phoned the landlord and he said he'd replace it and would ring the following day (which was yesterday). So at midday yesterday I rand the landlord seeing what he'd done about the problem and he said he'd not got round to it but he would. Last night I rang the company to see if they'd heard from him and they hadn't. This morning I rang the landlord again to tell him that if he put the order through today we'd get the machine the same day and I could finally do some washing (it's backing up and I've just got a new job - you can imagine how stressful this is for a girl like me!). He told me he had rang last night and ordered one, so I rang the company and they'd not heard a thing. I waited an hour and rang the landlord again telling him that they'd not got his order and that I'd keep ringing him until it was fixed as it was a desperate situation. Each time I rung him he'd say the company weren't answering his calls, but each time I rung the company they said they'd not had a phone call from him and that they couldnt ring him as it wasn't their problem. Now it's got to the point that I'm had a massive arguement with my landlord because basically he's just playing us off and not actually ringing the company (I know this because each time I've rung them they've answered straight away) and the company are stressed because I keep ringing them. I dont even know what my rights are, all I know is that this landlord is totally useless. I've mentioned before on here that we keep getting shocks off the light switches and that we've got the council involved (who have found out that the landlord doesnt have a proper licence). I'm almost in tears over this, I know it's just a washing machine but I really dont have time or the money to take my clothes to a laudrettes. My friend is letting me use her machine but she lives quite a walk from my house and I'm becoming a burdon on her too (she's had to deal with all 5 of our washloads!) Advice would be so greatly appreciated.... pleeeeeeese help!! Helen Xx
  8. Just wanted to say cheers to everyone for their help. A man from the council came round (and drank all my tea!) and found a load of things which violated landlord regulations. He's not got a licence which means he is breaking the law, and getting this licence required a full inspection of the house so we're covered! Watch this space though for updates of harrassment and bullying from the landlord, cos I'd be pretty ****ed if I was him! HAHAHA!
  9. Hello We are a group of 5 students living in a rented house. Recently we've been getting little shocks off the light switches, and we've already told the landlord twice. He's a nice man but a little on the lazy side and although I've seen evidence of him investigating the first occurance, we've since had another shock off one of the switches and now I am quite concerned. Also the lights flicker a few times each day. Is there anything that forces the landlord to come round, any checks that should have been certified that we can ask for? Thanks Helen
  10. Please help me. Last academic year I lived in a shared house billed by the above. We had numerous problems with the housemates and I wrote to SP to alert them that one of the housemates had left and the bill that was in his name would need to be changed to the remaining 5 people. I didnt hear any thing for months after sending the letter, and then 3 days after I moved out I got a letter from them to my home address (which I never supplied them with) saying that I owed them £1000. I had my share of £289 in my bank ready to pay them, but the amount they were billing me (and me solely, none of the other names were on the letter) was for the whole house. I rang them to explain that I could only pay my share, and that they'd failed to put all the names on the account and they informed me that it was because when I first wrote to them, mine was the only signature on the letter. Apparently in order to get the names ammended I would need a signed declaration from the other housemates (who, because they were all utter bel***ds I no longer spoke to). I'd need to get them to write to SP asking to be billed hundreds of pounds - I had trouble getting them to pay me back the loo roll let alone a massive debt! SO I wrote one more letter to SP saying that I was able to send a cheque for my exact amount if I got signed confirmation of this before hand, and that I was due to move from the address (no forward address given). They wrote back saying they could not involve themselves in third party disputes and as I was the only one on the letter, I was the only one who owed them. So this is the situation I am in now. It's 8 months down the line and I'd heard nothing. My dad (at the correspondance address) returned all the SP letters unopened claiming 'not known at this address' and eventually they stopped. Ignorance is bliss, or so I thought. This morning I woke up to find a text on my phone from BCW Group asking me to call them urgently. When I looked on the internet, it didnt shock me to read that SP is their customer. What do I do?! They've somehow got my pay and go mobile no, something I never provided them with. They found out my other address (not this one... yet) and I never told them either. My old landlord at the house being billed hates me and will have no problem in helping them find me. I'm living in fear of them tracking me down. I'm a student with hardly any money... I was trying to do the honest thing and pay what I owed and now it looks like I'm going to end up paying the debts for my 5 nasty ex-housemates. I'm utterly depressed about it.
  11. No court hearing, and judgement due to them not filing a defence in time. The amount they agree to pay me in the letter is for my charges, court cost and interest.
  12. Right, so I got an offer in full and final settlement from Mr Keith Jeremiah for the amount I was asking... but he wants me to sign some consent order that says: Consent Order By consent it is ordered 1)The default judgement entered on 20 sept be set aside forthwith 2) The defendant serve a defence within 14 days as from the date of this order 3) There be no order as to costs. Is this ok to sign?
  13. That's what I thought and there's nothing on it apart from the bit about there being no order as to costs. The only letter they sent me that says they are going to pay me the full about says 'without prejudice' on, so does this mean they can get away with not paying me and I cant use the other letter as proof that they said they would?
  14. Thanks for your responses. Firstly, both letters need to be signed by me and have been signed by the bod at barclays, with a copy for me to keep... and it's for the full amount I am claiming. It also has a section saying "You will see that it makes reference to us filing a defence... this will not be necessary as we intend to pay you, but we need to mention it inthe Order." And it does say 'without prejudice' on it.... does that make any difference? So I'm gonna just sign and send. Money Money MONEY!!
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