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About persha50

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  1. Hi thank you so much for reply. Yes we are still paying the same rent. So just to confirm if they decide to increase the rent then our deposit would be put into deposit scheme. We are also having an issue with mice at the moment they have somehow made it into our loft. There is a piece of open land behind us (belongs to the landlord), we have had them inside (the pantry of all places) but managed to put traps down. How they got into the loft I have no idea. Have advised the landlord and they have told us that we need to get a company to come in and get rid of them, however if they are coming in from the piece of land behind us would that still be our problem or theirs as its their land? Thanks again Sharon
  2. Hi - we signed the lease for our rent house on 02 April 2007 just before the new law came where deposits had to be paid in to government tenancy deposit schemes. I did query this with the estate agent and they advised this has not been done due to use signing the lease before the law came into effect, although we did only move into the house a week later. We paid rent to the estate agent for the first year to the estate agent but when our lease was up for renewal landlord ditched the estate agent and we paid them directly. We did not sign another lease. My queries are: Does my landlord have to put my deposit into the government scheme as I would presume my deposit was given to the landlord. What are our rights as we have no lease, ie how much notice do we need to give are all the conditions in the original lease (although long time expired) still valid. Does the government scheme work on an interest basis, ie would my deposit be gaining interest as we have been in the house 12 years now. Any advice would be appreciated. Sharon
  3. Hi - after some of your valueable advice. Got a letter from Barclays Bank saying they had reviewed their accounts and that some of the charges they had place on my account were unfair and that there was a refund of £434 due to me BUT this had been paid into the overdraft on my account. I closed my Barclays account in 2016 and there was a DRO taken out which covered the overdraft on this account which was still owed. So is that correct that the refund should go towards this, since the O/D was written off with a DRO in 2016 so did not owe them anything. Also they did not specify that charges were directly related to the O/D they were charges placed onto my current account. Sharon
  4. Hi got an email re my thread for someone asking for DAF contact details. I can't find the thread so just putting them on here. They do not have a contact number only and address which is on the letter I received from them: Direct Auto Financial Services POBox 1135 Bradford BD1 9PU Hope that helps. I am waiting to hear back from FOS.
  5. Thanks. Will contac them tomorrow and tell them don't accept their +/-£200 pounds and try and get some more from them. Sharon
  6. Hi - sorry a bit confused I thought if I rejected DAF refund that I needed to fill in a FOS complaint form. There is a link to FOS on the how to claim link on one of your previous posts.
  7. Hi - was not going to claim for both. Want to reject the DAF and do a PPI claim via FOS as might be able to get more. First time I have claimed PPI, I just got a letter from them with a form to complete and post back, telling me I would hear back from them within 8 weeks. Do I need to let DAF know I am reject and doing a claim through FOS, again only because of what the salesman told us which is not right and he could see we had no idea on what we were supposed to do so took advantage of us, h the money came out of his pocket especially as he got the commission!!! Sharon
  8. Thanks again for brilliant advice and article. Just a couple of queries, I only have a copy of the loan agreement not any statements, because of time factor can I do a claim to the FOS with out statements and can I use the figures they they have already done in their breakdown ie £2069.74 Sharon
  9. Hi everyone - haven't been on this forum for ages which is probably a good thing as it means I have no problems that need solving, but need to use all your brilliant advice again. Got a letter from Direct Auto Finance saying I could claim for PPI, they sent a form and also asked for copy of my agreement (which I did have, think was from 2012) filled it all in as we were conned, I remember the sales guy saying we had to take out PPI otherwise we could not get the car without it even though it was over the amount we could afford and kindly left the room for us to "talk about it". Had no option so signed on the dotted line. The total amount of PPI on our finance agreement was £1018.97. Got the letter with breakdown from them today and they have agreed a final settlement of £219.75. What I would like to know is does this amount sound fair or should I appeal. The only reason I don't want them to get away with it as looking back the salesman had no right to say we could not get the car without it. My brother has bought me a ticket to go to New Zealand over Easter to see my nephew so would be brilliant to have some extra money to spoil him. I have attached a copy of the breakdown. PPI.pdf
  10. Thank you again - can breath a sign of relief and not have to worry everytime the doorbell goes or post arrives.
  11. Sorry AGAIN - what about the fees and the paperwork, where they correct just putting the notice which I attached above through the door or should there be more.
  12. Sorry told you my brain was not working. Regarding her being on the register but working for another company does that make any difference regarding me having to deal with her.
  13. Hi - thank you so much for advice. Its a big relief that I don't have to be dealing with everyone at the moment. Yes please for wording as my brain is not working well at the moment.
  14. Yes he passed away on 9th March in the evening, received the letter in the afternoon before he died, advised Confero when I got back and saw the letter that we were caring for him and he had terminal cancer, he then passed away 10.40 that evening, I advised Confero the next day that he had passed away. They still told me to contact Ms McNally as a matter or urgency. Andy - thanks for your kind words - has been a struggle but it was horrible towards the end and just grateful that he is at peace now. Just out of courisity is there a regulation/guidance for when creditors can contact you under such circumstances. Just digressing a little bit I was contacted by Funding Corporation whilst he was in hospital, told them I was at hospital with my father who had terminal cancer and was also told I need to contact them and not ignore the issue despite me asking them to write to me. The reason is they allowed me to pay two payments at £80 less than my usual some months ago and then put my payment of october at the end of my agreement but are now contacting me saying the 2 x £80 are now arrears and need to be sorted despite them being fully aware that I could not pay due to financial problems. Just got a message today to phone them which will probably be for the same thing and I do not want to deal with their arrogance so soon after my dad passing away. just wanted to know if I could tell them to back off, I was going to apply for a time order to have my payments reduced but with all the stuff I had to deal with re my dad did not have the time. Sharon
  15. Hi - they told me contact the enforcement agent as a matter of urgency! They have included in the DRO but just worried as liability order was done a while ago. I have included the £235 charge in the DRO, but not sure if they can charge me again? Should we pay it or just the arrears. Exact words after hearing my father had passed away are: I am sorry to hear about your loss and offer our condolence to you and your family. However I would urge you to contact Miss McNally as a matter of urgency.
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