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stephen81

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About stephen81

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  1. The cleaning fee was on the same invoice as all the other fees and the main deposit. The landlord isn't taking over as such. Our tenancy agreement was directly with him in the first place. The letting agent doesn't manage the property, doesn't collect the rent, didn't provide the tenancy agreement, didn't provide the check-in. All of that was done by the landlord himself. That's the main reason I wanted the money back in the first place, the letting agency basically have nothing to do with the tenancy now, so there is no reason for them to be holding £250 of my money indefinitely. Had the
  2. It doesn't mention it. It mentions a deposit of £2,396, although our invoice from the letting agent only included £2,146 deposit. I think it is just coincidence that the difference was £250, the same as the cleaning fee. I have found out from DPS (not TDS as I stated in my original post) that the protected amount is £2,146, which matches what we paid as the main deposit, not the extra £250 cleaning fee.
  3. Quick update...I note the regulations have been updated in various areas, including extending the deadline for registration from 14 to 30 days. I've also had further discussions with the letting agent this afternoon. Full email discussion below, but essentially: They have admitted they take the cleaning fee at the start of the tenancy and refund it at the end if the property has been left in the same level of cleanliness. They will do this on the landlord's advice. They have confirmed that they are holding the £250 as security in case we fail to fulfil our contractual oblig
  4. I moved into a property in August last year. We paid 6 weeks deposit, which appears to have been registered with TDS although we have never received the prescribed information. In addition, the letting agency charged us (at the beginning of the tenancy) a £250 end of tenancy cleaning fee, returnable on end of tenancy. I didn't question this at the time although in hindsight I probably should. The agency is not managing the property, we signed the contract with the landlord directly. The agency didn't provide the inventory or check-in service. This was arranged by the landlord, and when we
  5. I received a summons earlier this year for non-payment of council tax in a property I rent out, as the tenants hadn't registered themselves for council tax. That's not a problem in itself, a quick call to the council and the summons was cancelled. However, when I looked at the summons, I noticed the signature looked very familiar. The magistrates clerk who's signature had been used on the summons apparently has exactly the same signature as the best man from my wedding. Needless to say, I checked this with my best man and he confirmed the signature was identical to his, and that he could
  6. I've had a PPI claim upheld on my Barclaycard which I'm pleased with. However, over the years I've had several default charges added for being over my credit limit. Does anyone know if anyone's been able to reclaim these default charges on the basis that the accumulated PPI is what has taken them over their limit? And following on from that getting the defaults removed from their credit report?
  7. Still doesn't appear to be any update on GLC's website. Anyone heard anything?
  8. Still heard nothing back from the court, but did send another e-mail to DG on Wednesday night to chivy them along. Today I got back from work to find (along with my front and back gardens flooded!!) an e-mail from DG offering to settle for the full amount (although just the 8% statutory instead of the 18.3% I had asked for). I'm going to accept this as I don't think it's worth going to court just to try and fight for the extra statutory interest. Sounds like perhaps my explanation did the trick. Just have to wait for the paperwork to arrive now.
  9. Why does it matter if they store info on microfiche? Barclaycard and Abbey were using that argument a year ago. The ICO investigated and decided it was still a structured filing system and therefore they still had to provide the information for a subject access request.
  10. Of course I don't mind. I hope it helps. I've not heard anything back from them yet, but I'll drop them a line tonight to chivy them along as that'll be a week since I sent it. Does anyone know how long it usually takes for the judge to issue a court date after the AQs have both been filed?
  11. Yes, I realise that. I understand the difference between the two different interests. Before I reject their offer outright, I thought I would e-mail to give it one last shot at explaining to them what I am claiming. How does this sound?
  12. OK, finally got through to County Court and have been advised that HSBC have now filed their AQ. I guess I'll just have to wait now for the court date to come through.
  13. I've today received an e-mail from amelia.oconnor@hsbc.co.uk (the girl that phoned me last week) saying her client has "confirmed they are unwilling to refund the portion of your [my] claim that relates to interest on penalties. They consider that the statutory interest rate of 8% (which is higher than the interest rate under normal savings accounts [how generous of them!!!!]) is adequate recompense in respect of the charges. They do not believe that you [me] are entitled to any further interest." I can't decide if they are just trying to drag it out or if they genuinely don't understand
  14. I e-mailed them last week asking them to phone me so I could discuss their letter. They did actually phone me back the next morning. Once I explained to the girl that the o/d interest I was claiming was only the interest on the charges part of my overdraft, not the interest on my genuine overdraft, she said she would go back to HSBC and get back in touch with me. I've heard nothing more though. Today was the deadline for them submitting their AQ so I will ring the court tomorrow if I get a chance to check if they have done so.
  15. Looking at that thread it appears the phone call to discuss their offer did the trick. I think I'll give that a try first and see what DG say.
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