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About kirmistan

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  1. Thanks @Conniff For anyone intrested in the list i have so far i have uploaded to my site here - http://www.tutworx.com/share/dca-list.html.
  2. You are safe for the life of tenancy even if sold or foreclosed. The check is standard for properties that are being sold / foreclosed upon for the future landlords. I do not think it is standard outside these conditions (but don't quote me on that).
  3. I would point out that any court would look unfavorably on you for not making any payments towards the management charges you should have at least been paying your portion of what you felt was the reasonable amount (the £395) rather than not paying anything. As to Vat it dose not matter how much they pay against what they charge you. If you know he is applying payments incorrectly you should write a letter informing him of the corrections required. I would also ask for a full accounting of the Management charges and what the increase is being applied against.
  4. This would be classed as visitor not family as your nephew does not live with you at you address and responsibility for visitors falls to you under your contract. I would say you could ask them in writing to take some action to reduce the noise by adding rugs / under-carpet padding, but other than that i am sorry to say that the law falls on their side at the moment.
  5. You should never call in these situations, writing is by far the best route to take. As a side note the last time i checked the law no offer on a collection of debt could be refused and refusing any offer would leave that debt null/ void. while dealing in writing you will have paper copies of everything and if they wrote back declining any offer then you would have evidence should the case go to court. Over a phone you don't have the same backup.
  6. It is hard to define as what is unreasonable to one person can be perfectly acceptable to someone else. But again it is not your landlords who are in breach of the contract. As i said in my previous post contact your local environment officer at your local council if your really feel that it is nuisance noise.
  7. To get a copy of your credit reference file. your full name; any other names you have used or been known by in the last six years eg your maiden name; your full address including postcode; any other addresses you have lived at in the last six years; your date of birth; and a cheque or postal order for £2 made payable to the credit reference agency. Equifax Ltd Credit File Advice Centre PO Box 1140 Bradford BD1 5US 0844 335 0550 http://www.equifax.co.uk Callcredit Plc Consumer Services Team PO Box 491 Leeds LS3 1WZ 0870 060 1414 http://www
  8. To be honest you have no recourse with the landlord for breach of contract as they have not broken it (your complaint) is against other tenants (your neighbours ) . As to the noise complaint as it is would be classed as standard family noise (not nuisance noise) there would no legal recourse there either. If you really feel that the noise is/ or should be classed as nuisance noise contact your local environment officer at your local council. The best thing to do when dealing with neighbours in these situations to to write 2 letters both the same send one to the neighbour and one to th
  9. I am currently doing research for the debt management program i am making, and had a wow omg moment there are over 550 Debt Collection Agency across the UK and my list is still growing. Maybe i shouldn't have been surprised but it did take me aback.
  10. That is exactly what you should do. The error is theirs, if they did not notice before closing the account and informing you of the closure, then they have no recourse in which to claim any payment/ interest from any error on their/ your part.
  11. did you get a letter informing that the account was paid and now closed?
  12. here -> debt-line.net/Nationwide-Debt-Recovery even has a list of directors and people to contact.
  13. Yes my hope is to have a program that can help me budget better by predicting future payments and even advise when to pay more to pay a debt of faster etc
  14. I would like to point out that if you payment feel on the 1st, 2nd. 3rd or 4th of march then you would have payed again in march on the 28th, 29th, 30th or 31st due to catalog taking payment on a 28 day rotation (lunar monthly) as apposed to what most people expect of monthly. That being said you are being ripped-of with charges so definitely do what @dx100uk says. Good Luck.
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