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BankFodder

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BankFodder last won the day on April 19

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  1. Excellent. That's perfect. It occurred to me that maybe it was your own assessment of the overpayment. In fact it is their own calculation – and it has even based on their own admitted errors. I would suggest that you simply stick by your deadline and issue the papers. Maybe you could post up a scan of their threat in PDF format
  2. I think you will probably need to explain to people the kind of work you are doing and the extent to which you have to change your clothes. I expect that the answer will broadly be – yes, they do. But wait for some more input
  3. Begin by sending them an SAR. Do it today. I suppose that Green Energy where the previous suppliers. I'm wondering whether they think that there is a so-called "deemed contract" until the contract was formally transferred to your previous supplier. Have you had an explanation? Who is it that chasing you? What are they threatening? How often people visiting you at your home and who are they? I would send a very strict letter to green energy and tell them that they should desist this harassing behaviour and also write to them formally beginning an official complaint which you say you want escalated to the energy ombudsman. It probably won't do a lot of good but at least it will formally put the account in dispute which will may be get people to calm down a bit until it is sorted out. Send the SAR and let us know what you find
  4. Okay, could you just lay out the basis of your £116 calculation. You will have to do that at some point. We should see it now.
  5. Is this in response to your letter of claim or did it simply cross in the post?
  6. I've lost track of the close detail of this story and I'll have another look tomorrow comma however you could always think about withdrawing this claim, sending them another asar and then beginning another claims when they breach that one. you can be sure that second time round they will have no doubt but that you are serious. Also, having done it once before, you will have extra confidence in what you are doing. Of course and @Andyorch is right about bringing a part 8 action rather than a part 7 but on the other hand a part 7 is much easier and it shows that you are prepared to be litigious and in a case like a breached sar, if you simply keep on beginning another action and then another action every time they breach the sar, eventually they going to have to think about it very much more seriously
  7. Well that letter is tantamount to and admission the they have reached the data protection rules
  8. This business of cleaning carpets back to zero and repainting the property back to zero is really a load of nonsense. As posted above, there is the whole principle of "fair wear and tear" and although it's rather vague, it certainly means that no landlord can expect to regain his/her property in the condition it was when they first let it out. You don't say how long your son is at the property for. If your son has had the property for only a couple of weeks then you would expect it to be pretty well in the same condition as it was when he took it. On the other hand if he has been in there for a year or even more, then it may well be that the walls need cleaning and it may well be that the carpets need cleaning that in normal circumstances that would be the job of the landlord. What is it say in the tenancy agreement? If there is something in there about returning the property into the state it was before your son began the tenancy – then maybe that's what needs to be done. However, if it simply refers to wear and tear and frankly you are being taken to the cleaners - and you're the one who's paying for the trip
  9. It means letter before action which is basically the same as a letter of claim or letter before claim. I suggested on the 6th of April you should send them one
  10. Tell them that your only proposal for payment is the notice period – and a cheque is enclosed. Tell them that you don't intend to make any other payments and that if they want to make an issue of it then they should take you to court. Hang on for input from @slick132 for confirmation of this
  11. Hang on in case you get a different opinion from @slick132 who knows a lot more about this stuff than me.
  12. Basically – tell them to go and do one. Write to them a single letter and tell them that you have made all reasonable attempts to pay the notice fee and that you are not prepared to take any further steps and you are not prepared to pay anything else and that if they want to see you in the County Court you will bring this all to the notice of the judge. After that leave it. The only other thing to say is that they are most unlikely to begin a legal action but if you happen to change address, make sure that you keep people updated of your new address simply to pre-empt the possibility of a back door default judgement as a result of court papers being sent to an old address. That's probably about it
  13. Write to them and begin an immediate formal complaint to the financial ombudsman service. They are required to give you a final response within eight weeks after which you can go to the FOS directly. You should get that going now and don't get involved in any delay
  14. In fact going back, I noticed that I suggested that you send a letter of claim on 6 April. I don't believe you have done it. Had you done that then you would be in a position to issue the court papers immediately. Instead, you now have to wait a further 14 days. What a shame. Sending a letter of claim would not have committed you to anything but it least it would have gotten that necessary pre-action protocol stepped out of the way. You're falling into the trap of getting into protracted exchanges and the only person who benefits is the dealer.
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