It sounds to me like you have a case here. Come the end of your tenancy the want you to pay for the repair of the garage that was agreed by the landlord to not being in a fit state for use in the first place and was written out of your contract The wording they have used is the key to your dispute as they mention "garage" which is in its entirety, they did not mention specific parts such as the door. "weve not been happy since we had to sign the document stating that the garage was not included" The release you signed was so that should it fall apart and damage your car/person/other the landlord could not be held accountable, since the garage was written out of your contract it is not included as part of the tenancy so is not your responsibility. All you signed was a release form so your landlord was protected. It does sound like the land lord is trying it on. The bond is for damages to items included in your tenancy (which is not the garage), any debts are for the companies that you owe to chase you on which is why estate agents ask for a forwarding address. It is not for an estate agent to hold the bond to act a go between. Hopefully i understood your concerns correctly. I'm by no means an expert , just adding what i feel is logically right. Some info that may help you gov.uk/tenancy-deposit-protection/information-landlords-must-give-tenants gov.uk/tenancy-deposit-protection/disputes-and-problems

Thank you for some great reply's. Glad so many people have got involved. Regarding matttye comment, they wanted the account back at £0.00 i guess with the intention to close the account completely. Here is a screen shot of this account credits file and the issue, that they have told the credit company's i have not paid any of the agreed payment plan i42.tinypic.com/2l8vhc9.png (sorry not got 10 posts) March 2010 was the date of the agreement and was told the first payment must hit the account by April. Which it did. I have all the payment receipts for the 6 month to prove each payment was made. As far as i'm concerned they closed the account without telling me thus stopping me paying in anymore money which then caused them to issue a default. They stopped me paying in money other wise i would of carried on paying in money reducing the debt. This is why i feel they are responsible for this default and why it should not stand. I made it clear i was happy to clear the balance but being i was out of work at the time i could only afford small amounts. They where happy to proceed and told me after 6 months they would look at the account to make a new arrangement, This never happened. Since my last reply i actually emailed Julie Savage the Executive Complaints Manager who replied saying she will be doing a private investigation into my complaint. Fingers crossed i get the desired outcome.

Thank you for your reply's While i accept in every aspect it was my fault for living in my overdraft i do fell as tho they had a duty of care to not help me get further into debt which is what they did. The problem i know i will face is how can i prove they did not let me pay the money, when i contested this they told me they would never do this. They did not issue me a default notice which i know it against the law. Again whats to stop them from saying they did issue it. I didn't pay the full balance off, what happened was they removed most of the charges as a good will gesture but i still paid of the money i personally spent on the account. I do feel i have a case to get the default removed based on it not being issued correctly but the odds are stacked against me since as its almost 3 years old. I can prove tho that the money was paid into the account for the 6 months of the agreement. I will defiantly use your letter as a template BRIGADIER2JCS, thanks for that. I will send one off Monday and update on how i get on (Fingers Crossed)

I do SEO and you will find it almost impossible to remove the review. If the site is hosted outside the UK there is little you can do. But plead with the site owner/webmaster to remove the content and state your case as to why. You could contact Google and again state your reasons why this is a miss representation of your business and a false review. They may drop the URL from their index with a bit of luck. As an SEO if we cant get the review taken down, will will outrank the page with good reviews forcing the negative one down to below Page 2+

Hey everyone, got a rather interesting issues i hope someone can give me some solid advice on I use to have a ban account with Santander (when it was Abbey National) Being young and stupid i was in my overdraft a lot, first by £200, i'd go to the bank get £300 then max that out and this carried on till it got to £800. I then lost my job and due to charges the amount when to over £900. Santander saw no money was being paid in and froze the account. In the end we came to an agreement where i would pay the amount to take it into the authorized overdraft and pay back £10 per month for 6 months then the plan would be re assessed. Now here comes the share stitch up. After paying back £10 each month for 6 months, on the 7th month i go to the back to pay in £10 just in case, the cashier tells my my account is frozen and that i cannot pay any money in. We write to Santander and get nothing back. We leave it a year to be greeted with a "your owe us XXX" In the end we came to an settlement figure and i paid it. The problem is not there is a nasty default on my credit file and this also tells a different story. They made a note than i had missed all of the 6 months payments of £10 and then 2 late payments on the 7 and 8th month then hit me with a default. In my opinion they are morally wrong. They allowed me to keep extending my overdraft knowing i lived in it. They stopped me from paying in money to reduce the debt, then told a pack of lies to the credit agencies. I do know that 95% of this is my fault as i was young and dumb but as a duty of care, Santander could of stopped me from getting a overdraft and worked out a way to bring the balance into credit. Any thoughts of how to get this default removed if its even possible, the story is much longer but i'm sure you all dont want a book to read so summed it up. Got 2 other accounts that default in a similar fashion and i'm at the stage in my life where this is effecting my chances of getting a mortgage big time.