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kezzer

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About kezzer

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. kezzer

    interest

    This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hi all, I have an old account with choice for you which was passed onto Phoenix Recoveries. I CCA'd them in October last year and received a very prompt reply saying that they have referred the matter to their client and placing the account on hold. Haven't heard anything since! Anyway I'm sure I've got old admin charges to the account but haven't got any of my old statements, can I claim charges back even though the account's on hold and if so should I S.A.R - (Subject Access Request) Phoenix or Choice? Thanks in advance
  4. I'm happy to take him to court in the long run....but shouldn't I write to him in the first place letting him know that he's in the wrong
  5. thanks guys...that's just what i thought. I rang my landlord and spoke to his assistant, she pointed out that it was in my contract that I needed to supply him with all my bills when moving out. Which I did apart from the water bill. The bills are in my name so how do I go about getting my deposit back!?
  6. hi all....just a quick question. I moved out of a rented property just over 6 weeks ago and still haven't received my deposit or month's advance rent back. Anyway, after a couple of weeks of non-communication from my landlord I called him and he told me he'd send it as soon as he received my council tax bill and final water statement (I was using prepay gas and electricity cards). I sent him my council tax statement a couple of weeks ago, but haven't yet received a final statement for the water bill (not my fault...I informed them of my move immediately called them a couple of days ago and they didn't seem to realise that I'd already informed them of my move!) so I sent him of the final water meter reading for the property. Still no deposit so I called him today and was told that they couldn't release the deposit until they received my final water statement. Anyway, I can see his point, being that if I'd moved out without paying my bills the new tenants could be liable for them..BUT...surely as the landlord has records of when my tenancy came to an end wouldn't it be the previous tenant, rather than the new tenant or the landlord who was liable?? So, basically, I was just wondering if my landlord's being reasonable in asking for this?
  7. thanks george... the property was newly refurbished when I moved in so it was pretty much impeccable. Newly decorated, new carpets, etc. However, as I've been here 5 years, I'm sure there must be a certain amount of leeway as far as wear and tear is concerned? He can't seriously expect it to be in EXACTLY the same condition as when I moved in?!
  8. Hi, I'm moving out of my rented house next weekend but I'm a bit unsure as to what my responsibilities to the property are and what the landlord should be required to do - aside from, obviously, the cleaning. He's written me a letter stating that he expects the house to be 'fully redecorated to a professional standard' including the ceilings. However, the tenency agreement is extremely vague and only covers 4 sides of A4...it DOESN'T state that I'm responsible for redecorating, but it DOES forbid me from painting the interior in any colour other than magnolia (which I have done in a couple of rooms, so I'm happy to paint these back.) I'm also unsure as to what repairs he can reasonably hold me responsible for. He has stated that he expects the house to be in the same condition as when I moved in, which it pretty much is, however I had a 5 year tenency (which I couldn't get out of without paying huge penalties) so, as well as the redecorating, there are a few things which will need fixing before new tenants move in. Off the top of my head these are: loose taps in the bathroom, a loose bannister, broken hinges on oven door, flourescent strip light which needs replacing, oven light bulb needs replacing, extractor hood light bulb needs replacing, I live in a 3 storey house and have fire doors throughout the house - 2 of the mechanisms came out of their bearings within the first few months that I lived here & I never bothered telling the landlord as my daughter was very young at the time and had trapped her fingers in them several times. I'm on an EXTREMELY tight budget, so basically I need to know whether these are my responsibility or his as I can't afford to have any of my deposit held back! (Also, my agreement states that I must pay £25 out of my deposit at the end of my term to cover professional cleaning services - I'm sure I've read somewhere that he's not allowed to do this - does anybody know?) One more thing...my landlord also expects me to have the carpets professionally cleaned before I move out. After 5 years in the property with kids they're not in the condition they were when we moved in but shouldn't this come under wear and tear?
  9. applied for small cliam via moneyclaim 3 weeks ago...got the full amount £1290, first direct decided not to defend. Paid direct into my bank account, which I wasn't TOO happy about, but FD haven't tried to close my bank account, so can't complain. To be fair, I've been quite happy with their customer service, just not at ALL happy about the charges. I've never been more than £20 at the very most (except for when it was because of charges!) over my limit but still managed to incur charges of nearly £1300. When I've checked my statements, at one point I was 87p over my limit for ONE DAY and got charged £30 for the honour. However, since I've received the charges back, i've also received another charge of £119. Should I start a new claim, and will they try to close my account if I do?
  10. kezzer

    moneyclaim help

    ok...I'm in the middle of filling in my moneyclaim form, I've worked out the 8% interest and claimed for that, but at the end of the statement, it says the claimant claims "interest at the same rate up to the date of judgment or earlier payment at a daily rate of..." I'm not sure what this is or what it means??? Can anyone who's been there give me a helping hand?? Thanks in advance.
  11. thanks...all helpful replies! I was just worried that as these new charges weren't included in my original claim they would be void in any court action. I'm reassured now though! I think to be on the safe side I'll be writing another LBA informing them of my intention to claim back the new charges and giving it the extra 7 days as suggested...thanks again! and good luck to everyone else with their cases!
  12. Hi, I've already sent out the prelim letter and the LBA, and received the usual responses from my bank refusing to repay my charges and referring me to the financial ombudsman. The letter from them in response to my prelim was dated 3 May....However, since then I haven't had the chance to start action mainly due to family stuff and have had two more charges laid onto my account (one pending of £30 for being over my limit by 87p for one day!) I'm still determined to get back my due but not sure if I can just go ahead and make the claim including the new charges or do I need to start again with the prelim letter??? Thanks in advance!
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