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Found 491 results

  1. Hi, My landlord is wanting to send estate agents round to value the property because he wants to put it on the market. He has not yet served me with a Section 21 notice so I have no idea when he is expecting me to vacate but I would have thought a valuation would be more realistic once the house is empty and after he can do some redecorating, etc to get it ready for selling. At the moment, we have been too stressed over searching for a new home and we have been having a mad declutter and we have half packed boxes everywhere and the housework has become less of a priority, so all in all, the house no longer looks homely and I certainly wouldn't want any estate agents taking photos to use for selling purposes. Does my landlord have a right to getting a valuation, especially before he has issued a Section 21? I feel so uncomfortable about it and I really don't want anyone coming round while I still live here I have been looking through other tenants posts and came across this comment from one of CAGs members:- "Are you aware of this >> For example, a Section 21 notice cannot be served if there is no EPC or Landlord gas safety certificate in place for the property. Any non-compliance with this requirement will render the section 21 notice ineffective." Now my landlord has never done annual gas checks and the last one (for which I have a copy of the certificate) was about 2 years ago. Does the above CAG members comment mean that when I receive the Section 21 Notice it will not be legally enforceable? If so, what should I do and how do I respond to my landlord when I get the notice?
  2. Hello everyone, I have recently issued a small claim against a company, but do not want to go through with it any further. The defendant did issue a defence and requested for Mediation, but subsequently changed their mind. I was wondering if I can still issue a Notice of discontinuance (N279) form before the case being allocated to a track? If yes, which court do I write down? Should I send this via post to the Money Claims centre in Manchester or via email? I have been utilising the new beta Money Claims service, which does not provide information on the matter. I was wondering if anyone could assist me? I'm new to this and this is my first small claims case.
  3. Hi everyone, I moved into a rented house June 2018. Recently I received my first water bill, and it shows me that my average use was around 600 litres of water a day. So the amount to pay is £186 (for 2 months - June and July!!)!! That is a complete nonsense - only two people live in the house, and we don't use water more, then anyone else - we never leave the taps open when not necessary, never take shower more than literally 3-4 minutes. But here comes this bill... Thames Water acknowledges that the amount of water consumption is really unusual . They suggest me to contact some "Homeserve", and sent me a leak allowance form to fill. Well, I reported the matter to the agency i'm renting the house from. But it looks like they are a bit reluctant to sort it out. They didn't say "no", but more than a week passed since i reported the problem, and they still didn't arrange anything to establish if it is an external or internal leak.
  4. New veterans ID cards rolled out to service leavers READ MORE HERE: https://www.gov.uk/government/news/new-veterans-id-cards-rolled-out-to-service-leavers
  5. Had 250ltr of our hot water tank leak through the ceiling recently. There was a little damage there before (shower leaked a few years ago) but it was too much hassle to fix. Now the damage is much much worse. The insurance are paying for the flooring but are refusing to pay for the ceiling saying I've not experienced any financial loss because it was damaged already? Is this normal? Surely its like saying you can't have a new carpet if its wrecked because there was a fag burn on one corner?
  6. Hello I am suing a builder, without legal representation, so it has been a very steep learning curve! Late November, and most of December 2017 I was ill wilth Flu combined with Shingles - the latter affecting eyesight. I know this was a stress thing. My question really is that documents should have been exchanged on 14th November 2017, i attended Defendant's solicitors (partly to keep my costs down) at the correct time and date and saw defendant's Solicitor's assistant - Solicitor was busy! I duly handed over my information, none forthcoming from the other side. I was not unduly worried as such because I thought perhaps that was how it worked! Around the 5th/6th December I received a large envelope from Defendant's solicitors with paperwork in it, these being the documents that should have been exchanged before. My only real questionable thing about them was a couple of the items included were from MY information, which he did'nt have before my visit to exchange! I received a letter on the 8th December, from the Defendant's Solicitor telling me the case had been "struck out"and enclosing the bill for Defendant's costs! I contacted the CCMCC and was told that I needed to pay £100 to ? (I can't remember the wording). I sent this off, contacted other party's solicitors and told them i had done this. I never knew why it was struck out - only defendant's solicitor told me this. I received a letter from CCMCC saying that the actual cost was £255 (!) so I sent that off. Again speaking to CCMCC it appears that everything is continuing forward so I take it no longer "struck out". Now that I am actually feeling better, I have been able to think things through a little bit more logically, a huge amount of time double checking on the internet - am i too late in requesting this case be "struck out" because of non-compliance by defendant's solicitors? It is entirely my fault that i did not pick up on the "non-compliance" item about exchanging documents - although the more i do think about it, I now believe it was deliberate because i didn't know any better. Any advice would be really welcome
  7. Hi, On a low budget so wondered if anyone could recommend any kind of product which might help my lad cover the surface of this outside wall of his? To remove all the plaster and have it redone will be expensive so he's hoping to DIY and try and get a decent finish which hides up most of the crass mess made by the people he bought his place from. Any idea's of any product which he can paint onto this surface which might hold for a year or two? Thoughts appreciated.
  8. Hi thanks to a member on here telling me to CCA Barclaycard I am looking for help. What makes it unenforceable I keep looking and some people say they have to produce original paperwork, others say they can send a revised one, being taken out in 1999 does it need to show my signature? Any help would be more than appreciated. X
  9. Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts! My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016. I've raised a complaint as i believe the default should have been dated between March-July 2011. That is correct i assume? In regards to the CCJ, I have asked that they agree to have it set aside, as if they had placed the default on the correct date then it would have been statute barred. Im confident on my first point, how do you feel the second point (CCJ set aside) will be? I've already paid any monies i owe to them, but if they had placed the default correctly then it would have been statute barred before the date that they actually applied for it
  10. Hello folks, I tried taking out a mobile phone contract with EE in 2016. I was declined and, on contacting EE, was told there were three T-Mobile accounts in my name from 1999-2002 (approx) with an outstanding debt of around £450 in total. I finally got round to sending an SAR letter last month and received a reply today. EE have sent me a couple of pages of account notes but no mention of the outstanding amount(s). Firstly: based on this, I'm pretty certain that EE have sent me incomplete data - however, without knowing how their systems work, I don't know _what_ data they must hold on me, but at the very least, somewhere, there must be a total amount owed. Secondly: the notes say that I disputed that the accounts were mine (which I did), and EE decided that it wasn't fraud because the accounts were opened using my name, address and date of birth. I genuinely don't remember opening these accounts. How can EE be so certain that I opened these accounts simply by checking that my name, address and date of birth match? I just want these accounts removed from my record so I can, should I still want to, take out a new phone contract with EE. Is there anything I can do here, or do I just need to accept defeat and find a different mobile phone company? Thanks in advance Alex
  11. The lift in our apartment block has had some sort of major failure and is out of action. The management compnay say it will be at least 2 months before work can start, so potentially 3-4 months before it's complete. In the meantime I can't get in or out, so am effectively homeless. This delay is apparently down to the s20 procedures needed before they can even get estimates, is this true and is there no way around it? Surely they wouldn't have to do this if emergency repairs were needed to the roof, for example? Wouldn't me being homeless be an emergency? Any suggestions anyone?
  12. There is a very real risk those who are owed money by Wonga in compensation for having been lent money irresponsibly may be chased by creditors for this money, whilst losing access to the compensation to which they are entitled. https://www.msn.com/en-gb/money/news/wonga-compensation-claimants-may-lose-out-due-to-automation-plan/ar-BBPkdZX?ocid=spartandhp
  13. Prison officer safety equipment rolled out - PAVA incapacitant spray READ MORE HERE: https://www.gov.uk/government/news/prison-officer-safety-equipment-rolled-out
  14. Hi All, Thanks in advance for any help ! We received a claim from from our builder because we have withheld payment of the final instalment as he as breached his contract with us. He sent a claim form asking for the money to be paid (approx 1667.00). We are now trying to work out the counterclaim and having serious difficulties in understanding what to do. Any help appreciated. problem outlined here. (ignoring court fees and interest at the moment) Final installment withheld by us is 1667.00 BUT this value is incorrect as he is trying to charge us for more expensive tiles than those he installed without our permission. He is claiming that money is owed on his claim form. What we have already paid him is £3865. What we paid Wickes for more tiles directly is £248 The new invoice from another builder who said that the entire bathroom will need re-fitting £6635 (this includes a tile allowance that are slightly higher than our original builders tile costs ). Should we be basing our claim on the difference between what we thought the original builder would have been owed if the job had been done well, subtracted from the higher cost of the new invoice. Then adding the amount we already paid him. OR should we be just saying pay us £6635. (despite the fact we have withheld the final invoice but we are not sure of the value of that final bill and he has breach contract so technically we dont owe him it anyway !) HELP !
  15. I have 2 credit cards, both with Capital One, (£1.500 and £500), which I had been paying my due fees to every month, until recently, as I moved out of the UK to my original EU country. For the first couple of months I still continued to pay however things are not going well here and I've found myself with no money to pay the monthly fees. So I started paying £5 each month per card. I want to continue doing so, as I think that would not make things worse for me if at least they see I want to continue paying even if it's just a small amount. I don't know if that makes any difference, but I hope it does, because right now that's what I can afford. The problem I have is right before I left, almost six months ago, I closed both my bank accounts in the UK, as I thought it would be better to not have any open accounts. I continued paying the £5 using a debit card from an online bank I opened when I moved here, a bank which is based in Germany. I had no problems paying, I always did it oline via their Capital One online form. Unfortunately after a few months the online bank emailed me saying I neded to let them know whether I'm a resident in two countries or not, as they'd noticed I was making regular payments to somewhere in the UK. I got a bit scared by this so I decided not to reply and to just never use the account or card again. For the past couple of months I've been searching for a way to pay with another card, I've purchased a couple of prepaid debit cards which have been rejected by CapOne when attempting to pay online. I suspect it's the fact that, when asked for the address and postcode of the card, I put my old UK info and of course that doesn't match with the Spanish address I had to give to be able to register the prepaid debit card. But when I used to pay with the online bank debit card I also put the UK address and the payments went through anyway? So my question would be, if I put my spanish address in the Cap.One online payment page, would they be able to see that I'm paying with a card with a spanish billing address? I'm trying to avoid them knowing I moved out of the UK because I don't want them to know where I live now and have them harassing me here. They're already making phone calls to my UK mobile phone several times a day, sending multiple emails, and I suppose many letters may have arrived at my former UK address. Thanks.
  16. To provide some background, I have been helping my brother with his building development. His builder has now walked off site, is claiming that he is due extra money for alleged variations and has refused to return to site to complete the works until we settle the invoice for these alleged variations. He has now issued a court claim in my name although all invoices are in my brothers name (including the one for the variations, which is the subject of the claim), the property is in my brothers name and my brother has made all stage payments to date. The builders solicitor is claiming that it is acceptable that the builder has issued the claim in my name as the original quote was in my name. I would like to strike the case out as the invoice was not mine to pay and therefore the debt is not mine. Any opinions gratefully received.
  17. Hi Guys. Not proud of this even though I am having some problems. I have received a summons for not paying a fine (not taxed) on time and they won't let me take an out of court settlement although I have been in this situation before with them (several times) and have been able to pay out of court. When I phoned they said there was a note on my account and the legal team won't speak to me. It seems odd that I don't get an explanation or can speak to anyone about it?
  18. Hi I have recently moved out of a privately rented property and have paid the rent up to the 31st of August. I did do the check out last Thursday and have received no information as to whether the landlord is wanting to deduct anything from the deposit (which he shouldn't as the flat was in immaculate condition and clean - unlike when I moved in!). This morning I have received an email from NPower informing me a new tenant has moved in - my question is whether the landlord can legally do this as I am still paying rent? Any advice very gratefully received!
  19. Wondering if one of the experienced users on here can help here with this one? Yesterday afternoon I found my car clamped by Marstons Bailiffs - no paperwork whatsoever only a scribble and phone number so I phoned them to find out that apparently I failed to pay the congestion charge in November last year but know nothing about it as they send all paperwork to a previous address even though I updated my address with the DVLA in 2017!!! Then the bailiff stopped answering any of calls when I tried to ask her about PCN information etc and the TEC phonelines were not being answered yesterday so in a panic I phoned TfL got my PCN details, filled out the PE2/PE3 forms and headed into central London to the local magistrates court to get it signed for £25 (yes I now realise I could have gone to county court and got it for free but never mind)- was in major panic as bailiff was threatening to tow car in 2 hours- filed everything with TEC at yesterday and just had confirmation of filing today. So now TfL have it the question is how long will it take to halt recovery and will they remove the clamp? Also who can I phone for advice? TfL say they have not received the filing from tec yet and the bailiffs wont answer my calls. I need the car as I am the named driver for my disabled father who needs to be taken back and forth to hospital. This has caused me an undue amount of distress and i genuinely dont feel i have done anything wrong - had I known id have to pay a congestion charge on the day in question i would have done. as it happens i have no recollection of that day whatsoever was it was a year ago and i have no access to any paperwork (bailiff has refused to give me anything ive asked for).
  20. I recently rented a car via a 3rd party website. After the rental I found out I had been charged extra for damage and theft excess protection insurance by the 3rd party website on top of the quoted price. I don't need the extra insurance as I already have travel insurance on my credit card which includes this. Upon checking their website I see it is checked automatically but not included in the headline price. It's up to you to un check it and opt out. Unfortunately I missed this. I emailed them and asked for it to be cancelled but they refused on the grounds that the rental had already started. I booked the car 1.5 hours before pick up so there was no way I would have spotted this before I picked the car up as it didn't appear on my credit card statement until next day. I thought all these pre selected charges requiring an opt out had been banned now. Is it worth disputing the extra charge with my credit card company?
  21. Horizon Parking issued a claim - my initial defence was that I had insufficient information from them to confirm or deny the claim and that I had sent them a Subject Access Request. Got a reminder from the court about a more detailed defence, so using the SAR, I completed and filed the following defence: DEFENCE OF CLAIM BY ORDER OF DISTRICT JUDGE xxx DATED 20 JUNE 2018 1. I have received a copy of the Subject Access Request from Horizon Parking Limited and the paperwork includes parking charge notices and reminders from Horizon Parking Limited. 2. I have not received any evidence of a contract between Horizon Parking Limited and the landowner that assigns the right to enter into contracts with the public and make claims in their own name. In the absence of such proof, I would contend that Horizon Parking Limited have no authority to issue parking charge notices. 3. I have not received any proof of planning permission granted for signage, etc under the Town and Country Planning Act 2007, which puts into question any authority Horizon Parking Limited may have to issue or attempt to enforce parking charge notices. 4. I have not received details of any damages and indemnity costs added to the claim, specifically, the date they were levied, the amount of the charges, a detailed financial breakdown of how the charges were calculated, and what the charges cover. This means that even if the Claimant could demonstrate their authority to issue a parking charge notice, the overall amounts being claimed would be in dispute. 5. The signage in the car park is vague – it states: “Parking limited to 2.5 hours” but there is no mention of any penalties for exceeding this time limit. 6. The signage states in small print at the bottom: “If the driver of the vehicle fails to adhere to the terms and conditions of parking, a parking charge notice will be issued.” There are no terms and conditions readily available despite my request from the Claimant. 7. I contend that until such time as the Claimant discloses material which unequivocally justifies an entitlement to the sum of money claimed, it is impossible for the Claimant to show and for the Court to determine that money is owed to the Claimant. I believe that the facts stated in this defence are true. I thought this would be sufficient, but have just received a general order of judgement saying my defence has been struck out because it doesn't adhere to CPR 16.5 I phoned the court and they couldn't advise, so I would like to know what options may be open to me: 1. Can I appeal? 2. Can I submit a revised defence 3. Can I negotiate a payment plan with Horizon to prevent judgement being entered? 4. Anything else?
  22. Hi, I have received a claim form from northampton bulk centre with asset collections as the claimant. The original loan was from lending stream who sold it to asset, I dont mind paying it but the amount has grown somewhat from the last dca who chased it and i cant afford to pay that much back. I have responded to the claim at moneyclaim. help needed please
  23. I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary. My situation: - Just about to become 50 - Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there - When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people. - New people and new staff have come through the years and they have brought... how can I say.. dirtbags! Dodgy and abusive gits, people with a hefty criminal record, etc. - The owners are the same but have given up on patrolling the place. They only come every now and again. - Over the months I've been verbally abused by both staff and guests, mainly because I'm not in their circle of booze and drugs and what have you. This afternoon I was threatened by a fellow guest for petty reasons. I managed to speak to the owners. One of them says he'll do what he can but I can't trust him anymore. - I'm struggle to find a job and leaving the place immediately is not an option. Virtually no landlord would rent to a 50yo unemployed, at least not in my area. So, in other owrds, I'm stuck here. - Part of the staff (the dodgy ones) hate me and they told me straight in my face that they'll do what they can to convince the landlords to kick me out (I have no formal rental contract. I pay month to month) and I think they are very close to their goal. So my questions are: 1) In the immediate what can I do? I was thinking of calling the police but what can they do? And the landlords have already hinted that if I call the police, my future at the place is at stake. 2) If they do kick me out, can I receive help as homeless? I'm on benefits, but I have some savings (under £6k). Please I beg you not to think I'm just an intentional bum. I was in IT circa 10-15 years ago but my career is finished and I have nowhere to go. Thanks for reading.
  24. I am in a DMP and have been since the beginning of this year. Natwest loan £4889 Natwest OD £1249 JD Williams £1749 Very £771 I have been self running a DMP and paying each £1 for 4 months. I am upping my payments from July to: Natwest loan £57 Natwest OD £15.37 JD Williams £20.65 Very £1 According to my noodle report Natwest have me at DM(4) for May, JD Williams has had me at DM(UC) since March and Very the following: Jan - DM(1) Feb - DM(1) Mar - AR(UC) Apr - AR(UC) May - AR(UC) With Very placing AR markers does that mean I'm unlikely to get a default anytime soon? JD Williams & Very are both being reported as up to date even though I am in arrears of £278 for Very and also JD Williams, though neither are adding interest, that is just Natwest. I have heard Very is terrible at defaulting and you have to either not pay or not clear arrears within 1 year. The whole point of a DMP is to get defaults and clear credit history in 6 years. Isn't AR worse than a default?
  25. A fitter came to my house on the 20th of June. Unfortunately, when he came to my house he did not have the LVT samples that I had requested from the Carpetright Ipswich store, in order to do colour matching. I thought that was not professional of the store, but nevertheless, I decided to let this go. On the 30th of June I made an order for a Carpet, LVT and fitting on a finance agreement. At that time I did not realise that the carpet in question is out of stock and the customer advisor did not inform me of this. Otherwise, I definitely wouldn't have made the order as I would like to have flooring in my new house sooner. I wish I had been informed of the 4 weeks turn around. I had been hoping for a two-week turnaround (max). On the date of my order I had been told by the person who did the paperwork that he would give me a ring the next day to arrange fitting dates. I did not get the promised call on 1st July. Monday 2nd July I followed up to try and get a fitting date and the person on the other line told me that it wouldn't be until the end of the month. At which point I expressed my dissatisfaction as I had not known it would take so long, neither had I been told this at time of order. The person on the other line said he would see what he can do to expedite the fitting. He gave me a call the following day, but unfortunately, due to work commitments I missed the call and was not able to get back to the store until Friday 6th July. On Friday 6th July I rang the store back and managed to secure a fitting date for the 19th of July. However, I've been reviewing my Carpetright account online and I noticed that the carpet order is on hold because the carpet is (no stock). The store did not make this clear to me at the time of order that the carpet was not in stock. My experience and cumulation of disappointments do not inspire confidence and I am concerned about further letdowns, which has led me to the decision to cancel my order . I have a credit agreement with a cool of period of 14 days, which expires in 6 days. This is a huge agreement to get into and a very big deal, as a result, I want to make sure that the service delivered is also to a good standard that I'm not going to regret. Carpetright have point blank refused to cancel the order and yet attached is a term/condition that I feel they are in breach of. I wonder what rights I have?
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