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nikkiandmidgets

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Everything posted by nikkiandmidgets

  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......
  16. I have been told they can recoup all interest on the £157,777 from the date I was supposed to settle, right through to when they eventually get a successful sale, plus their costs for re-advertising, plus the difference in price between my offer and what they eventually get. The market has dropped by us so unless I can buy, i am 100% sure i will not have enough money to pay them all these costs that i will be liable for when it eventually does re-sell. What happens then as i wont have any assets and very likely wont be working as my mum will want to get her own place and work full time so sh
  17. Yes she did warn me of the risk if the mortgage offer didnt come through but when i said that she had spoken to advisor and he had told her 22nd so i guessed it must be okay, and also that mortgage company had been given all required docs almost 2 weeks ago and I had heard of no issued that I guessed it must be all right. She didnt tell me my financial advisor when speaking to her had advised her i didnt have a final offer and that although he was confident it would go through, that he advised her with thse things you never really knew till the offer was in writing. She usually plays 100% by t
  18. you dont pay a deposit in scotland, except for a new build? Anyway, long story but I put an offer in last year, then due to husband withholding maintenance payments i backed out before signing anything. At that point solicitor was okay with me backing out. Anyway they send me a letter before xmas via my solcitor asking if I was going to offer any compensation to seller for their costs. i spoke to my solicitor and they said I wasnt obliged to and i told her I had had a talk with husband and he was reinstating payments so if i had known that I would have gone ahead with purchase. She
  19. Hi, due to bad advice and my head being in wrong place, I committed to purchase a property then found out just a day or two after handing my notice in that my mortgage wasnt 100% approved (My payslips were kept on line and they were not happy with paper copies I got from my work even though they had had them for about 1 month). My issue is not the legal side of whether I am obliged as basically i have been told not to fight a solicitor... What i want to know is I am scambling around trying to get a mortgage as people said they will sell to me if I get mortgage sorted before they accept a
  20. Been off this site for about a year and only just recently on. Had a quick look through the thread but there are soooo many pages. I was one of those idiots that kept taking a new loan with welcome every 10 months or so. I am pretty sure they kept adding PPI on. I was told i wouldnt get the loan without PPI. I paid them off with another loan a few years ago. I did do a SAR last year but info they sent was incomplete and they said they couldnt find my agreements. Because i have paid them off is there any way i can reclaim the PPi as they forecd me to take it and I didnt want it but neede
  21. There is also hotukdeals.co.uk - I have sold and bought a few things off there. Bit of hassle to verify you are who you are and they are getting a bit stricter with rules as some regulars have been banned for a week for not following procedure...plus it has some great bargains....and no fees unless you choose to pay or accept payment via paypal....
  22. forgot to add, I replied to my landlords letter stating he would require £9000 to end lease early to say that I couldnt afford this and guessed that meant I would have to stay put. I then asked him to see if he could get his joiner to look at fixing the windows - some do not open and some are stuck slightly open which makes the house even colder and not secure. This was over 1 month ago and he said he would get his joiner to come round but no sign. I always have to chase him for repairs and then chase again as he doesnt check with henadyment o see if they have been and carried out repairs.
  23. Firstly, this is a long one so grab a cuppa.... I split with my husband last year and due to our marital house selling I had to find alternative accommodation for my mum (She moved in to provide childcare so I could return to work), myself and my daughters. The housing market was quite buoyant and I dont drive so after checking with the guy that gives me a lift to see he could pick me up from that area, I contacted a company re. a listed building with a garden that was available to rent in a village about 12 miles away from my old house. It stated £850 per month on the website. I a
  24. Thanks for that, just what I thought and nice to see you are still here - had some emotional ups and downs (husband screwing with my head and mum stressing me out!) and have got myself into a right pickle - see my other new post if it makes any sense....still to do my bank and other charges as all stopped due to complications at home and no energy or time to deal with them so will have to read up on all that and kick then off again!
  25. Hi, I hope this is an easy one, my little sister is getting upset over letters received from Vertbaudet re a debt she is disputing owing. She says she never received the items, they said 'As there was no reply the goods were left at your property'. There is nowhere safe to leave the items and she never received a card to state they were left round the back of house or anywhere like that. Is there an act she can quote? Surely it is sellers responsibility to prove that my sister received the goods? She did originally order them and enclosed a cheque. he then received a letter from them
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