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About nikkiandmidgets

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  1. Yeah i did let them all drop which is a shame as being from Scotland, some are now over 5 years....I will try sortng through all my paperwork and getting each action started again - am lucky i still have the original emails\spreadsheets in a folder...just wish I had kept them going them but I started full time work then after being off for a years maternity and didnt seem to have much time or energy and what I had left, I spent with my daughters! Yes it sounds sensible that if i take action on all my old debts, loans, ppis and charges that it may in fact turn out that my debt is not such
  2. I have a mountain of debts due to breaking up with my husband after my 2 daughters were born and my head being totally messed up as my husband played mind games with me while still screwing around while working abroad. I have been off work for the last 17 months because i wasnt coping well with working\hardly seeing my kids and my mum complaining she wanted a wage to look after the kids and at that time I was struggling to pay everything, let alone pay her a regular wage. She was living with me, the hosue I rented which she lived in too meant she had her own living room and bedroom, and
  3. Its a Worcester Greenstar 40 CDi - not sure if its a condenser as landlord organised it all. There is a Huge supastor tank beside it (About 5 ft tall and no insulation on it - clothes dry really quick on the clothes airer in that small room) which landlord fitted when he bought house - gas guys said it was something to do with landlords plan to put bathroom facilities on top floor and there is a small tank lwhich says airfix and some numbers on it....
  4. That was my first problem and hence why getting accurate total bill has taken so long, meter readings on gas and electric were incorrect. This is supposed to be true readings now but she says bills are now looking like they are approx £500 a quarter but as I only have water on for aprox 4-5 hours due to baths and showers, and heating for approx 2 hours a day that seems excessive so may just have to switch boiler off and use immersion instead as will be only way I can reduce my backlog owing...just wish showers were electric and not using water from tank...
  5. The £9000 was instead of him charging me for rest of lease - at that point 15 months at £1000 a month..said he is a businessman and didnt see why he should loose any money because I was struggling with higher than anticipated bills and problems with childcare due to high bills restricting my cash flow and the ongoing mouse infestation we had....still waiting for EH to check bait traps and see if all bait has been taken ....again....although havent noticed any for last coupleof weeks so fingers crossed.
  6. It was the high gas usage - between £800 and £1000 quarter to heat water and radiators due I believe to a faulty gas boiler because he gas company say they have checked out meter and its fine...
  7. I have been rentig a large, single glazed property for a year(Lease runs till July 2008). When i took out lease I asked what utility bills were like and was told average....Gas Boiler was replaced earlier this year due to me asking landlord if he had a Gas Cert and any ga maintenance due to me having toddlers and previous problems with cooker and other stuff. Anyway they came out and they basically condemned boiler cos it was over 10 years old....He got boiler replaced shortly after... I then queried my gas bills with British Gas, and after them testing my meter but not telling me the r
  8. I had to give up work due to my mum wanting to get a full time job as wasnt working with us living under the same roof, and I couldnt afford to pay her, just buy her stuff and keep her. I signed up for a 2 year lease in July 2007, and the lease is expensive - £1000 a month - was splitting up with husband at time, housing market was booming, and was advertised at £850. I had removal van and my daughters outside, had been packing all day after taking the day off from work to move, and didnt read lease as with marriage breakup and eerything my head wasnt screwed on right. Anyway a solictor
  9. Yep got one. says it can take up to 6 weeks to fully work but hasnt been much use up till now in deterring them! Solicitor obviously felt bad about my terse reply saying that as I had asked her to do letter last Wednesday I thought landlord would have got letter by now and that i did not have his contact number. She has contacted him and he is going to take action. I have to phone him too and i hate confrontational phone calls.
  10. Just got hold of my solicitor and although I asked her last Wdnesday to draft up the letter she hasnt done so yet. She now tells me i would be quicker to phone my landlord and cheaper as its costing me money every time she reads and repsonds to emails!! I am only mailing her cos I am not getting feedback from her as to whether she has done the letter etc...! Should have learned with the house purchase screw up not to use her as i already told her his phone number was in my old mobile phone which is broken. I got a quote from local environmental Health and she says i should just get them out
  11. I have a mice infestation - have been trying to deal with it with humane traps etc as i have 2 toddlers and didnt initially realise there were so many mice. We have caught at least a dozen so far. I asked my solicitor to send a letter to my landlord last week - still trying to get a hold of her to see if she has done it, along with other things we want fixed. Had a terrible weekend though. My oldest came across a mouse twice and was hysterical both times. They are coming ito my living room and I saw one squeezing in through a gap between a kitchen cupboard door and the unit on saturday.
  12. Okay - cool forgot about that. Out of interest I am in scotland so as we can only claim back 5 years is this also the same limit for them chasing us? And should things in Scotland only be kept on credit file for 5 years or does this come under English law and is therefore 6? Thanks for any advice - also i have a thread I am waiting for an updated response on for my si...if anyone can help with it that would be great - its for goods not received but company ognored letters and passed to a DCA....
  13. I have an old debt - clubbie I think - fom two addresses ago in which I am owe them £386.90 - I must have missed out writing to them when I moved, and have been meaning to do something about it for last year but just never got round to it. Its been passed to a DCA who have sent me a letter before Action, And since then sent me an offer saying I can pay reduced figure of approx £115 (Letter is at home) to pay this debt off. This is quite a few years old - should I accept the reduced figure, or am I better to offer to pay the full amount? Its the only unpaid debt I have on my credit file
  14. Have asked my solicitor to draft up a letter asking landlord to sort out mice problem (We have caugt 6 in last few days since getting traps) and there are still more (Gas engineer landlord used left whole in outside wall where old pipe used to be..which I think has contributed to this)...plus windows not shutting\not opening, plus sklylight which lets debris in, plus asking for copy of Gas Cert.. Have also asked her if there would be any merit in getting the local surveyors to give us a figure for approx rental income on the house I am renting cos I know they provide these for buy to lets and
  15. My sister has just had a debt collector round chasing this debt - looks like they have yet again ignored the letters. Are there are Acts etc I can quote when writing the next letter to make sure this goes away as my little sis is thinking of just paying this off so she wil not end up with bad credit history and to avoid further stress - even though she did not receive the items!! I said I would try and get it sorted for her......
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