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  1. Good afternoon all I have taken a very vital case against Lloyds and this time it will be us (consumers) who are in a stronger position than the Bank. I have taken them to court and despite the fact that they have tried everything to drop the case; the Judge has given us a date. They are throwing money at me to stop the case "as a gesture of goodwill" I am a very specialised Financial analyst and I believe that I caught them in a fine line which will potentially cost them millions of pounds hence wise they are trying to close all the back doors for others to follow me and changed t
  2. As a landlord I am continuously surprised at what tenants will allow them selves to be conned into, this tale hurts my sense of fair play to tenants and I hope you guys can help. My friend is the 4th tenant T4, in a shared flat above a shop in south London (shop also owned by LL). It seems to be on individual contracts. The LL assigned my friend T4 with the responsibility of paying the metered supply water bill to the water company (lets call them WC as I am not sure who they are as yet). She calls WC and they arrange 1/4ly DD of £300. Although they did not change the name on the b
  3. I rent a unit in a property and use it as a Hairdressers. I have a manager in and all is good. I have a few other interests and have decided to sell the business and have found a buyer. Now the hard part. We have 3 years of a 5 year lease left. The buyers are willing to take this on and have spoken to the landlord. He has no objection to them being tenants but he will only accept a 5 year lease PLUS he wants £2500 off of them, up front to extend the lease. He has made in categorically clear, he will not let them be tenants unless they agree the extension PLUS pay the £2500 in cash,
  4. Hi there, I have recently left a rented business property and paid my rent up to date. The landlord has since complained that I had not left the property in a good state of repair, a claim I strongly dispute. The lease expired several years ago and I never received another one. The LL has now produced an amendment to the lease, which I never saw or signed, but even that has expired by more than one year. The property has been re let but the LL has now sent me a demand for several thousand pounds for restoration work and a surveyors report. I have had threatening letters from a solic
  5. Hi I'm posting here in the hope that someone can help me figure out what the heck I can do to solve my problem! To cut a long story short, we started leasing a commercial unit in Oct 2017 and turned it into a dance studio. We raised £3500 in 2 months to pay for laminate floor (with padding underneath as it was originally concrete), fitted radiators, fitted a kitchen in the waiting room, painted the wall with some cool art work, etc. We were really hoping to turn the space into our new 'home' The lease states that he is responsible for the externals, we are responsible f
  6. Hi all, This is a query for me, regards to a couple of outstanding invoices that have now been paid. I received an email from Stirling Debt Recovery on behalf of their client Thompson Local for two invoices for £162 each and another invoice for £60. I have contacted Thompson Local direct and have paid £324 to them this morning, and will pay the final £60 for end of contract fee next Friday. Thompson Local stated at first that I needed to contact Stirling DC, I said absolutely not, I don't do any correspondence with a DCA whatsoever, and asked if Thompson Local were refusing to
  7. Drivers’ hours: changes to fines for commercial drivers READ MORE HERE: https://www.gov.uk/government/news/drivers-hours-changes-to-fines-for-commercial-drivers
  8. I have a problem "landlord" The lease is a 3 year lease with no break clauses The"Landlord" who showed us the property and prepared the lease is not the landlord and in fact an "agent" The "Agent" has signed the lease as the landlord and not on behalf or any words to that effect I have checked the land registry and indeed the landlord is somebody else who lives in another country. He recently took us to the small claims court and lost - the claim was struck out due to the poor setting out of the claim. I feel he will try and take us to court again. He claimed that we owed him 10
  9. Hi, I am hoping for some advice and i have heard i am in the right place. 10/2015 - I received notification from Northampton County Courts Re an unpaid parking ticket issued by Blackpool Council. The car was one which I was the registered keeper of, however I was going through a separation at the time and was unable to agree ownership of the car with my ex partner. The car was in her possession during the period the ticket was issued. I wrote to the county courts and to Blackpool council, detailing the above. The courts agreed to cancel the case however Blackpool council never b
  10. I was wondering if anyone could comment on what normally happens when a limited company with one director and a secretary attempts to open a commercial lease. If it's a new company, I know from reading around on here that the director will need credit checked, but what about the secretary? Thanks.
  11. Hi All, Had letter from above mentioned company for a person (relative) who was homeless and lived on my sofa for most of a year. That was 5 years ago, he moved out to his own flat but a few years ago housing benefit suddenly stopped paying the rent so he had to move out and has been moving around living at friends places. Been getting letters for around a year now, marked some as not at this address and dropped them in the post box. Told the person they had the letters and what they were for as we could see in the address window exactly what it was. Its the landlord of the place
  12. So, despite all of the bleating, the hype, the threats, the smooth posting on these forums and elsewhere, BES utilities have been found to be in breach of several obligations of required industry standards. This will come to no surprise to a large number of people who had dealings with this shabby company and in particular it will come as no surprise to the victims who have suffered from the unjust bullying that they have received at the hands of BES utilities and which in some cases have even destroyed their businesses and their hopes and ambitions. I see that as usual, not only as
  13. I have been told that I don’t need to pay business rates and I would like to find out whether it is in fact the case. I have a shop with empty living accommodation above. I have to pay 150% council tax for the domestic part as no-one lives in it along with standard business rates. The rateable value is approx. £3000. Someone else with a similar property he said that he had been advised that refunds don't apply to semi-commercial properties. Does anyone have any firm knowledge of this and can advise on what would be involved in obtaining any refund? I'd like to be armed with som
  14. Hi I have a problem with this outfit, Phoenix Commercial Collections. I have read up on them online and they seem to be a dishonest lot. I had a litigation case two years ago (unrelated) which cost me a lot of money and my personal finances eroded. I ended up with some council tax debt. I got everything sorted in my life end of 2015 and paid off various debts. I had £2051 owing on council tax, which I paid in full in late January 2016. I have a letter from the council dated 17th Feb that states my account is clear. In mid Feb I get a new, out of the blue letter f
  15. My office was given notice to end my lease after 12years. The reason: the landlord needs the property and will not renew. The building was residential, unknown to me at the time of my occupation that the tenants were squatters they occupy 17 of the 18 flats and had been there for over 30years. I am the legitimate tenant. Few months after I started my business the squatter started to make my life a hell and make my business in operational. I complained to the landlord the reply was I must be quiet as they did not want to raise a long time problem. Several complaints were made abou
  16. My company obtained a new property in April 2015. It was agreed that we would have a rent-free period as we required to carry out substantial renovations before we could make use of the property. The property had been empty for approximately 10 years. The landlord is now pushing us to sign the lease. The terms of the lease are very unfavourable to us and we are being denied access to parts of the common business park that are essential to our business and the main reason that we moved here. We have not yet started paying any rent as we are still in the rent-free period. The lease is supposed t
  17. My friends boss who runs a hair salon today received a country court claim from an ex-supplier who is claiming for an alleged outstanding balance from two and a half years ago. The boss is not computer literate and therefore I am assisting her in the matter. The products provided by the business supplier were inferior to other suppliers and she sent all the products back. The supplier is now attempting to claim for monies allegedly owed even though he hasn't sustained any losses. The particulars are very vague and I have a feeling that an embarassed defen
  18. Hi everyone, Last year in december 2014 i recieved a parking ticket in london (Tower Hamletts). I was a vistitor in this area staying at my friends for the day so i was told i could leave my car parked in front of the flat in the parking area. When i went to get my car the next morning i had a ticket on the windscreen saying i did not have permission to park in that area. I contacted Tower Hamletts via email and explained i was staying at a friends house that night they replied asking if i spoke to security during my stay about the ticket. I explained
  19. Hi I recently got into a mess with the council tax & knwo its was stupid but tried to pretend it would just go away. I had letters from Phoenix Commercial and contacted them and agreed to a £50 per month payment. I made two payments although one was a few days late. I have now had another letter dropped through my door stating payment is needed in full or the bailiff is coming back with a locksmith. I contacted the office and was told they had received both payment s but I now have to deal with the bailiff himself. I messaged him and he stated payme
  20. Hi, For over 4 years now I have rented a small warehouse. I have never seen or ever signed a contract and have been paying the rent firstly via a caretaker and then weekly via BACS to the landlord bank account. A couple of weeks ago they emailed me saying I was a couple about a month behind with the rent and now wanted the money paid monthly in advanced, I replied saying I would be able to clear any arrears in about a month but would not be able to pay monthly in advanced. This evening I received an email saying they wanted me out of the unit as soon as possible and have th
  21. Hi from a CAG virgin. I have a company in liquidation after our largest client went bankrupt owing us £150k and want to include a van in the liquidation. The hire agreement says the 'hirer' is my company and therefor as far as I was led to believe a company hire agreement. They (Leaseplan UK) say this is a personal Hire Agreement which is regulated by the Consumer Credit Act 1974. Who could I send this to for confirmation. Local solicitors want £600 to read a 5 page document. There is about £7000 redemption on the vehicle or 2 years to pay £235/month. Love the site an
  22. I'm not sure this is in the right place. I hope so. If not, will someone kindly direct me to the correct page. I have today had a visit from a 'Bailiff' from Phoenix. Apparently it is due to unpaid Council Tax, and a CCJ was unpaid from 2008. I was not aware of a CCJ, and I have moved a few times since I lost my house in 2006. I shamelessly lied to the guy to buy a little time before he no doubt will return. He left a form headed 'Enforcement Notice' and on it it states 'Goods viewed for potential Removal' and has my neighbours car registration number. If I do indeed owe this mo
  23. hello guys I have recently had a very bad experience whilst trying to sell a car I would be grateful for some advice a few months ago an immediate family member wanted to sell her vehicle. vehicle was advertised on autotrader. To cut a long story short, the potential buyer, pushed me, grabbed the keys, and drove off in my vehicle. and the person who dropped him off drove off behind him. as usual, 3 months later, insurance company have come back stating the claim has been rejected on 2 grounds 1. I am not a named driver 2. theft by deception so now my family memb
  24. i recently sold my business. can the commercial landlord hold me personally responsible for unpaid rent of a limited company. I am a director of a limited company. i was offered a lease sometime in 2011 which i signed but never become effective. apart from that, i never had a tenancy agreement. i had an informal assignment of the tenancy agreement from the previous owner.Nothing signed. I had a letter from the landlord solicitors dated last month offering me a ten year lease, nothing mentioned about owing arrears.The landlord is being vindictive because i sold the business without his knowledg
  25. (1) Agreement in possession of landlord not signed by the tenant. (2) Agreement in possession of Tenant not signed by Landlord or dated What is the validity of this agreement. Notice of Termination ================ Location of the property not stated correctly and the postal address is missing. Company registration number stated as VAT number. Therefore is the Notice Valid?
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