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Filthy Monkey

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  1. Hi, I took out a Lloyds TSB credit card back in 1999. At the time they did not record information with credit reference agencies and, while I haven't got a copy of my credit agreement, I have checked one for a loan taken out around the same time and it seems that there was no check box to provide permission for recording details with a CRA. I have asked Lloyds to send me a copy of the original agreement and will check at home to see if I can find my copy. If I do find it and there is nothing on it giving my permission for them to provide my details to CRAs, can I prevent them from doing so? Has anyone come across this before and successfully fought to have existing information removed? Also, if anyone has a copy of a Lloyds TSB credit card agreement from around that time, I would be very grateful if you could look at it for me and let me know if there was a check box to allow them to share this information. Thanks, FM
  2. No, I did live there previously, but alomst 7 years ago and have had no financial association with the address since then. The link only exists because the bank changed addresses without my authority.
  3. I had a default registered on my account over a statue barred debt a few years back. I only found out about it through an online Equifax report, so I contacted the company responsible, pointed out that the debt was statue barred and that no default notice had ever been serverd and politely asked that they remove it. It was gone the next day! Sometimes all it takes is a simple phone call. I know some people are too shy or scared to call, but if you have it in you, it may well be worth a go...
  4. Hi, I had a joint account with my ex-wife, which, for some reason, we never changed into single names after we were divorced. She never uses the account, but it is still linked to her old address. After we divorced, about 6 years ago, I moved to a new house and transferred my bank details there. However, I was working away most of the time, so set up a correspondance address at my rented flat. I moved home about 18 months ago and, as letters were still being sent to my correspondance address, I never thought to change my home address with the bank. I stopped receiving letters from the bank, but never thought anything more of it until earlier this year, when I checked my credit file and discovered that the address on my account had been linked to my ex-wife's old address. I contacted the bank and had the address changed to my new home, but I am annoyed that they changed the address without my permission and registered my accounts with the CRAs at that address. More importantly, they also re-linked my account six months later by doing another search on both addresses. Can anyone suggest the best way to have this resolved? I've tried the CRAs, but they're not interested in helping, so I have been trying to contact someone in Lloyds TSB, but keep getting passed around to no-one who can help! Any advice on which department I should contact would be much appreciated...
  5. Hi folks, There are a lot of posts on here about bad landlords, but I think I'm a pretty good one. I always follow the law and I do my best to be fair to my tenants and ensure that they have an enjoyable stay in my property. This has always ensured that I have had a good relationship with them and I have never had any problems. Until now! This is a bit of an unusual situation. I put one of my properties, a 3-bed flat in London, on the market with a local agent in February. Given the state of the market, I expected that rental rates had dropped since I last rented it out, so I was surprised when the agent came round and suggested a much higher figure than I had in mind. Having what I believe to be a more realistic view of the market I asked them to advertise it at £50 per week less that they suggested. Over the next week I checked the property websites to see if my property was advertised, as I was obviously keen to let it, but it didn't show up on any of them. It took numerous calls to try and have this resolved before it finally appeared. A couple of days later I received a call from one of the staff at the agency, telling me that they had received an offer on the property from a tenant who had recently missed out on another property in the development, but who was very keen to move into the area. He said that the chap was offering an excellent price and that I should jump at it, so I got quite excited. Needless to say, I was surprised and annoyed when he told me that the offer was £100 / week less than they had originally suggested and £50 / below the asking price. However, the agent tried his best to persuade me to accept the offer. I reminded him that I was the one paying commission and that he was working for me and not the tenant, so he should be doing his best to get me more money, rather than less! In the end, and following a bit of bartering, I managed to push the price up to an almost reasonable amount. However, I was still unhappy at the way the agency had handled the rental and made this clear to them. To compensate, they offered to throw in free rental insurance, and allow me to pay commission monthly, rather than upfront. I made this a condition as I was concerned that they would not return commission to me if the tenant left before the end of the contract and I certainly didn't want a credit from them towards finding another tenant as I didn't really trust them as an agency by now. Once all this was agreed, we went ahead with the deal and the paperwork was duly signed. After signing the documents I asked the letting agent who the tenant was, what he did and if he was known to the agency. I was told his name, that he worked in property management, but that they did not know him. I found out a couple of hours later, through a Google search, that he was the owner of the agency. I went back and confronted the letting agent, only to be told that it was somebody with the same name, but not the same person. I mentioned that his partner, not listed on the lease, but who would apparently also be living in the property, also had 'coincidentally' the same name as somebody who worked in the agency, but again he told me that they were not the same people. It was clear that he was lying, but there was no point wasting any more time on it, so I left with nagging concerns about conflicts of interest in terms of referencing and rent collection etc. It turns out these doubts were well founded. It took me 5 weeks to get my first months rent out of the agency and 7 weeks to get hold of the deposit, which I had already protected with MyDeposits within ten days of the tenant moving in. Rent was consistently 3-4 weeks late over the course of the tenancy and after 4 months, the tenant gave me two months notice and stopped paying rent altogether. He actually had the cheek to send me an email stating that, following a meeting with the company's shareholders and his fellow directors, they had 'agreed' that the last two months rent should be taken from the 6 week deposit! I went for 5 weeks without receiving any rent from him, so served a section 8 notice. July's rent was finally received last week, 7 weeks late, although the agency tried to keep the full amount, claiming that, contrary to our original agreement, they were taking commission for the rest of the year from it, despite the fact that the tenant was due to move out and they were only owed two months commission. After a bit of a fight and supplying a number of emails to prove earlier agreements, they confirmed by email that I would get the full rent for that month minus the final two months commission. In saying that, I still haven't received it! Anyway, the tenant is now due to move out this weekend and I will have to take the last months rent from his deposit, leaving me with very little buffer in the event of damage to the property, but as a parting shot he has decided to attempt an N208 claim, asserting that I didn't protect his deposit! The irony here is that the agency wouldn't have released his deposit unless I sent them proof of protection. In addition, I also placed copies of the certificate and prescribed information personally in his mail box 10 days after he moved in as I had to drop off an extra key to him. So, despite having done everything I should have, I may now face the joys of a court case! In retrospect I should have asked him to sign for receipt of the documents, but I guess I will know next time. I was served with a Part 8 claim form yesterday when I was in the agency, finally picking up a copy of the initial inventory that have been trying to get out of them for almost 6 months. However, the Part 8 form doesn't contain any details about the court where the case has been raised or the claim number, so I have no idea what to do with it. As far as I'm concerned, it hasn't been served as, without this information, I can't respond. Anyway, enough rambling from me. I'd be grateful if anyone could give me any advice on the deposit claim and the incomplete part 8 form, as it's the first one I have received… Thanks, FM
  6. A lot of agencies will simply ask for a slightly higher deposit if you fail the credit check, so there are ways around it. As far as I'm aware, though, the check is not really done on credit scoring. They tend to use public records and look for CCJs etc, so you should hopefully be fine. Good luck!
  7. I have to agree with Planner on this one. I don't know the ins and out of the situation, but as a landlord myself, who has experienced a similar problem, I can tell you that it is not always easy to get things fixed. First of all, when the boiler in one of my flats failed, the agency didn't tell me for three days. I then had to find a plumber, but the earliest appointment was a week away. The plumber came out, serviced the boiler and then had to order some new parts, which took another week to come. In all, it took 15 days to get the problem resolved. Fortunately my tenant was reasonable and understanding about the situation. I know it's frustrating, but things don't happen immediately and you can't always find someone to blame.
  8. Hi Nicki, sorry to hear of your problems. Hopefully somebody will give you advice to sort them out. However, I would suggest moving your post to its own thread, as responses can get very confusing with two problems in the same thread FM
  9. Hi folks, I'm in a bit of a sticky situation and could do with some advice. I don't want to go into too much detail, but will paint a quick background. My girlfriend started a business, which I mostly funded. Due to the pressures of the business she suffered badly from depression, so had to give it up. Throughout the time she was running the business and while she was recovering, I paid for absolutely everything in our life, as well as giving her whatever she needed for stock. When she finally pulled out of depression with the help of counselling, she found a new job, which involved a long drive everyday. We were living in a city flat, which I own, but she really wanted to live in a house and wanted to be closer to work, so with her best interests in mind, I agreed to move and subsequently found a really nice property for us to rent. As the closure of the business impacted her personal financial status, I took the lease in my sole name, but she agreed to pay a set amount each month to help towards the rent. A month after we moved in she decided that the relationship wasn't working and that we should split up. She moved into the spare room, but continued to pay rent on a weekly basis for a period of 2 months, agreeing to do so until the first 6 months of the lease were up and we could move on. However, one weekend, when I was away, she moved out and has now stopped paying her share of the rent. We were selling off all of her old stock in an effort to clear debts and repay the money I had given her, but she has also taken that with her and is refusing to pay either. It's an unpleasant situation, made worse by the fact that her father, based in the US, is essentially controlling her and telling her not to speak to me or pay me the money I am owed. So, my issue is that I am now stuck in the property until the lease runs out and have to find the money to pay rent every month. Without her contribution I can't afford it. Although she did not sign the lease, she did pay rent until she moved and we did have an agreement that she would continue to pay rent until we could get out of the lease. I have this in an email from her. Can anyone advise of the legal situation here? Can I take her to the Small Claims Court to recover the money that she is refusing to pay? Sorry this was so long, but thanks in advance for any advice you can give. FM
  10. Ptothej, I'm a little bit late coming into this one, so you may already be beyond this stage or have found an answer elsewhere, but just in case, what you should be claiming is all of the money you paid out, plus statutory interest. There are spreadsheets on here to help you calculate that. Essentially, though, what you are looking at is the cost of the PPI plus interest at 17.9% over the five years. (Is this a flat rate or APR?) In addition, you are able to claim statutory interest on money you have paid from the date you paid it until present day. This is where the spreadsheet comes in handy, as you can use it to work out the interest on a daily basis on each month's payments. so, if you paid £200 towards your loan 4 years ago, you could claim a further 32% on that. £200 paid 3 years ago would give you an additional 24% in interest. It works out at around 0.022% interest per day, so definitely one for a spreadsheet! Throw some figures around and then post them back on here and somebody will check them over for you.
  11. Hate to be pedantic, but isn't this a 'Successes' thread? Can we take questions about new claims into another thread, please?
  12. There is a licence number listed on the back (454095), so it is worth checking to see if this is valid, but from what I can tell, this does not comply with the terms of the Consumer Credit Act. There is nothing to state the total amount payable, the APR or the number of payments, so it could only be enforced with a court order and I think they would struggle to get one based on this agreement. Have a look here for more information on the CCA.
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