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About Me


  1. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  2. hi we moved into a house association property when we Received the property there was no fire alarms in property. Who should have been responsible for this as a company is renting out the house With my knowledge there should have been a fire safety check done and they should have fitted them as before I moved in someone else was living here and surprise when they renovated they did not fit fire alarms.
  3. Id really appreciate some help on this, I always pay my bills and I'm annoyed I'm getting chased for this. The Problem Me and a room mate lived in a 2 bedroom flat, arrangements were made by a student only letting agency on behalf of the landlord. Before signing we were told we had each got £8 a week allowance for gas/elec/water, but that the landlord would be handling the water bills. A few weeks ago I got a letter from a debt collection agency saying I owe the water company for the property £260. I didn't respond to any letters from the water company because I haven't live
  4. Good Afternoon, Looking for a bit of advice. I bought a new car in July last year. It stutters and hesitates and can be quite dangerous when overtaking never knowing when your going to loose power. Fault is intermittent. After 3 months placed into approved dealer. They looked at it for about 5 minutes, never found fault (of course). Just before the 6 month mark I complained to the finance company and informed them I sought remedy of the fault. (Pretty much the exact words. I never said I wanted it Repaired or Replaced but 'sought remedy) Finance
  5. I have an Openreach engineer booked for tomorrow and BT are adamant their tests show it's an internal problem so I will be charged. The line is dead, no phone and no broadband. At first I was told to go through the checks for faulty equipment - fair enough. Currently there is one of their filters plugged into the test socket on an Openreach installed master socket and the only thing attached to that is a BT hub. Now they're saying if it's the master socket I'll have to pay because it's inside the house and I own it. Is this right, if so I'd rather
  6. Dear all, I've just discovered that the sub-floor and joists that were replaced only 6 years ago in my Victorian house have rotted again, I'm told by an independent building contractor, due to inadequate damp protection. A master carpenter/joiner replaced joists/sub-floor and oak flooring only SIX years ago, due to the originals rotting. My question is can I reasonably expect the carpenter to contribute to the cost of this new work, which will essentially be to rip up what he did 6 years ago, beef up any existing damp protection and then rebuild the floor fro
  7. Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to
  8. Hi I have damp on the sitting room of my wall which has spread in bits across the wall. I first thought it had come through from my neighbors house, and then I just thought it was due to a decorator usingbway too much paste on the wallpaper (which we ended up removing as started to mouldy and feel damp). just recently noticed outside of my house on the street there is a patch of tarmac missing/worn away which is exposing bricks below the damp proof course, so now I'm thinking this is where the problem has started from. Would the council be responsible for the repairs to have
  9. I just need some advice and help in what to do to trace this miss sold PPI in 2001. I bought a car from Northampton Car Shop end of 2001. I have some record of paperwork with an agreement number. I was paying First National Motors PLC a direct debit – their letterhead states First National Motor PLC is an Abbey National Group Company. Abbey National Group Company rebranded itself as ABBEY and then it was taken over by Santander UK plc. I bought the car for £6000 and ended up paying just over £8500 with added PPI. Every month I paid a direct debit via my ba
  10. After reading a number of threads I think I have made a mistake. I have 2 debts with Natwest 1. overdraft 1. loan account which they have combined together and I have been paying them an agreed amount .In 2008 I managed to get them to put in writing that they cannot produce an agreement for the loan and further they agreed that all of the money I pay them will be deducted from the overdraft only and it will revert to paying of the loan account when the overdraft is paid. According to their statements they are sticking to that arrangement .I am not
  11. On Monday of this week I was in a meeting at work with about 20 or so colleagues. One of them had only just joined the company and was staying over in Manchester (head office) as he was based in the London office. Unfortunately during the meeting this colleague had an epileptic fit, falling off his chair and banging his head. Our office first aider was on in the room in seconds, and asked for coats / jackets to be placed under his head to prevent him from injuring himself further. As my suit jacket was on top, it ended up being covered in blood. Later that day I took the jacket
  12. Well I like to think myself super cautious when it comes to dealing with money but I recently discovered 2 fake £20 notes amongst a wad of notes I received for selling a mobile phone. Did some retail therapy around town then I went to my local supermarket and brought some bits and bobs and returned home. Later on that day I went back to the same store and grabbed some groceries, after leaving the store a member of staff came running screaming and shouting for me to stop, felt well embarrassed to say the least and I patted my pockets just in case I had somehow put something in my pock
  13. I received a letter recently from the DVLA i took my vehicle off the road a couple of months ago and therefore cancelled my direct debit but forgot to declare sorn until the start of this month. ive just seen a letter from the DVLA saying im required to pay the existing £181 of direct debit within seven days!!!! ive only just seen it and that was sent two weeks ago. Surely they cant expect me to pay £181 just like that?
  14. Cut a long story short, I have a dispute with Tax Credits that has been ongoing since october. After many missed deadlines on their end and so many calls to them I have lost count they have basically decided I am right and I have to get the money owed to me. However there is some sort of technical problem which prevents them from issuing the payment to me, something about someone hitting the wrong button on a computer which caused the claim to be closed and so a payment cant be made on a closed account. Apparently the only people who can fix this are in the IT department and they have a massiv
  15. If the Local Council make a mistake with Housing Benefit are they the same as HMRC it is still my responsibility for their errors?? thank you FS
  16. On Friday I was extremely concerned about a thread on one of the ‘Beat the Bailiffs’ facebook sites that eventually led to the debtor being removed from his car and with many police in attendance. Background: The debtor (Tony) did not seek advice on the site. Instead, his brother Paul sought advice from the Social Media Site on his behalf. It would seem that ‘Tony’ had not paid a penalty charge notice and accordingly, a warrant of control was issued and passed to Marston Group to enforce. The bailiff attended the property early last Friday and after a short period of time, cl
  17. Hi guys, I received my last water bill a while ago and it's double what the previous bill was. I'm having problems understanding what's going because there have been no major changes to the house. They had been sending people round to access the meter in our front garden which they have never done before. It was a rather bizarre incident. These guys showed up and asked who they should write to at this address and I explained that we were already with Thameswater and I didn't understand what's going on. I don't know if we're getting
  18. Dear all. My tenant are asking me to repair the rear fence. However, because of the different configuration of the garden behind us, our rear fence is actually the neighbour’s left hand fence. If this is the case, then are we still definitely responsible for this fence? The deeds do not say whose fence it is! Does anybody have any ideas please?
  19. In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what u
  20. Hi all, Interesting question, have been asked to attend an interview under caution. Regarding not reporting a change in circumstances, Basically I forgot to tell them that my partners wages had gone up, this meant we were no longer entitled to hb, now I am very ill with my mental health, have been for years and therefore very forgetful and unmotivated, as such I haven't told them, now my wife works as a carer all day then comes home to look after me, so she hasn't really had the time either, I'm the lead claimant, so if this was to go to court, would it be me that is prosecuted as it's tota
  21. Quick One Story; £2500 worth of Bank Charges taken between 2007 and 2011. Want to reclaim based upon financial hardship. Was with Lloyds TSB. Left before the split. Been told account was moved to TSB, but Lloyds banking group as an entity imposed the charges. Who is responsible for a refund now?
  22. I am currently renting a four bedroom property from Melin homes. The property is just over three and a half years old, I have been living at the property for around two and a half years. The house was built directly in front of a rugby field, all that separates my garden from the rugby field is a fence and a huge bank full of overgrown ferns and nettles which apparently is owned by the rugby club. The back garden gets flooded frequently and despite my numerous complaints, Melin homes has done nothing to rectify the problem. Melin has told me that " we've had a word with our l
  23. We bought a gas oven before Christmas which goes out after about 15 mins or so It hasn't worked correctly since it was installed . We've informed the retailer, and the manufacturer has sent an engineer twice and replaced parts under the warranty and it still goes out. We fitted the oven at our cost which was fair enough and paid for the cooker by debit card . We have rejected the appliance as unfit for purpose , the engineer they sent says there's nothing more he can do with it. the retailer has said they will refund us as neither they, nor the manufacturer c
  24. My mum has been in her Private Rented house for 13 years. Her landlord is a local company who has several managers covering different areas. The house is in a dire state and needs lots of work. The toilet in the bathroom is leaking (been reported but nothing done), the leaking toilet has caused some of the ceiling to fall down in the kitchen and the rest is sagging, the bathroom floorboards are rotten, the downstairs toilet doesn't flush, the back door is difficult to open and close (made of wood), most of the window frames (wooden) are completely rotten and my mum can't open several of
  25. Hi, I am confused, stressed and depressed! I am 65 (65 last June). I have had a DLA award since 1995, HRM & MRC. I have had reviews over the time I have claimed, the last being in 2011 when it was again re-awarded indefinitely. As I was under 65 when PIP came in and will be over 65 by the time PIP goes nationwide, I am told that I will be in the first wave due to my age to be re-assessed for PIP. All of that is a fact. Given that it may well be next year when things start to happen I am trying to get my head round the claiming principle of PIP.
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