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?

Hi All, I've been a member here for a few years since the original debt caused me problems, but I cant remember my log in details. At the end of 2011 I had a Tmobile phone stolen and £340 rung up before I realized and reported it missing. During the phone call to discuss the bill with their complaints dept, I was offered a goodwill gesture of £170 *IF* I took out a new 18 month contract at a higher monthly rate than I had been paying. I asked for some time to think about it and took an email address (as at that point I wanted to get things in writing). After I had done some research, probably here, I discovered that I was liable so I emailed Tmobile to accept the offer. Tmobile emailed back saying they had withdrawn the offer as it was a "one time only telephone offer", so I would have to pay in full (I still have both emails) I thought "then" and cancelled the direct debit. A few months later Sigma Red started writing to me about the debt, and marked my credit file with a default against them not Tmobile. As I have a few debts in good standing , having this one default hasn't really caused me problems and I am happy not to pay Tmobile when they are acting as "fences", but I have been looking forward to having the default drop off my file for personal satisfaction reasons. So that's the history. I have just started to receive letters from these Lowell people saying that my account was "sold to them by Tmobile". firstly, should the "sigma Red" debt now show as paid on my file? Secondly, will Lowell enter a new debt? I understand I can make them remove it but still it will be a PITA. thirdly, as this debt is 18 months from being SB'd what are my options in dealing with Lowell? is there any realistic chance of a CCJ? Many thanks for your time.

Following an endowment maturity I tried to make a large overpayment to my C&G mortgage this week. I'm in the position where the mortgage is in base rate plus and non-fixed so figured a payment of £25,000 would take me close to almost completing my mortgage - certainly on taget to sort it over the next 2 years. I call C&G get given the bank account and sort code to pay into, go onto my online banking and get a can't pay using this method. Call C&G again get told I can go into branch and make the payment using my debit card... so off I go. Branch say I can't make that amount of payment using my debit card and I should go to my bank and get them to make the payment. Go to my bank they tell me the sort code 30-00-00 will not accept CHAP payments above £5k Call C&G explain the run-a-bout and they can take a payment over the phone by debit card until I tell them the amount... Oh. I ask if I can make separate payments of £5k and yes I can do that, if I do one per day. C&G's advice go take the cash from my bank and take it to their bank to pay it in... Welcome back to 1980!!! Should I wear a sign saying mug me too? So, seriously is their best advice to go pay my mortgage in cash? I asked about cheque payment and yes I can do that if I make it out to CASH and write my mortgage account number on it. Really!? I have to get through two factor security for online banking, security questions for phone banking, but to pay a large amount of money I must use two of the weakest methods of fund transfer! Not even funny.

We don't get many bad posts on here about Excel maybe this is why I recently found out that a close family member(single parent) has a magistrate court fine now with excel the bailiff has been in there home and done a levy the fine has been getting paid every month however depending on what day on the month the pay day lands on payments are sometimes a few days late If the payment is going to be late I advised to phone and tell them exactly what day they would be paying (even if its the next day) relative is off work with stress and doesn't have this months payment (due last week) they phoned them today and explained that they could not make the payment because they were off work with stress they were very polite and helpful and gave them an e- mail address to send a copy of there sick note E-mail was sent immediately with an offer of reduced payments until they return to work anyway me being me decided I would pay this months payment (sleep easer in my bed knowing its paid) so phone call No 2 explained been on the phone 10 min ago e-mail sent but Hallowitch want to make this months payment for me lady on phone goes away comes back yes we have your e-mail Hallowitch doesn't have to make a payment we will be in touch with you (made payment anyway ) WELL DONE EXCEL AND THE REST TAKE NOTE THATS THE WAY IT SHOULD BE DONE

Hi everyone, When I took out a Vanquis card a while ago I was talked into taking on the now worthless CPP protection. With all the ruling from that the CPP customers are getting their money back and not hearing from CPP I wrote to Vanquis asking my money back as it was them who sold it. They wrote back saying no the policy wasn't miss-sold etc and they wasn't going to give me money back. So have sent another letter and see what happens. Has anyone else had any luck with them? JJ

This morning I was awoken by a very rude man man from Marstons and if I said nearly banging the door off its hinges it wouldn't be an understatement. The account relates to my wife. after having a fine fore non payment of a tv licence. I tried to speak with him but that was no good as he asically refused as it named my wife and not me. His also opening line was Im from Marstons do you know why I am here?? Gotta love it havnt you. He claimed to have a warrant to which I replied may I see it please answer was a flat no. Now he has left a letter and claimed to be coming back tomorrow same time to carry out this distress warrant. The balance of the fine is £142 and I know that from court papers etc. However the amount Marstons are trying to claim is £442 is this legal to claim nearly 3 times the original debt?? Any help and advice would be greatly appreciated.

Could anyone help me please, I emailed lowells on the 21 with the following letter 21 Oct. 13 Dear Sir or Madam Re Account/Reference Numbers:- 1. Account ref removed - Lloyds £875.16 2. Account ref removed - Orange £168.18 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreements relating to the above accounts, together with any other documentation the Act requires you to provide. I would like this to be sent by normal post. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 (6) will apply. Your attention is drawn to ss.5 (2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR). If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully Today I received the following through the post:- Thank you for your recent letter. We note your comments and advise that you acknowledged the account by making a payment on 29.10.2012 of £15 and therefore, unfortunately the Limitation Act 1980 Section 5 is not applicable in your case. Please also note that the account was opened on 08.08.2008 and default date is the 21.07.2009 which further confirms the account is not statute barred. Copy statements have been requested from our client and will be forwarded to you upon receipt. Yours sincerely I know for a fact I haven't paid them any money, but how do I prove it, and I am sure it was before 2008 when the account was opened thank you in anticipation Tim

I have just had an a bailiff from Rossendales round who wanted to seize a vehicle on my drive. The vehicle is a 11 year old vauxhall Astra with body damage, no tax and SORN'd. Maybe worth about 200 quid if lucky. The Notice of Distress merely describes the car and puts the fees as: Client debt and costs outstanding: 415.31 Walking Possession: 38.00 Other: 130.00 I called the police as I did not feel safe and they suggested paying the bailiff £300.00 which I did and he wants the balance on Friday. He also wants to make an arrangement for £100.00 a month after. I have already been paying £100.00 a month directly to the Council who whilst did not confirm the arragngement but accepted the money each month. This was on top of the regular payment which is made on time. The bailiff said that he would charge £70.00 for a further 20 mins waiting told him that was rubbish. Cops came along and sided with the bailiff, the police had no idea on bailiff law and I quoted national standards on vulnerability because I am unemployed and my mum is disabled. He just said that if I did not pay the council tax to the bailiff then I would go to prison for three months. I knew he was talking rubbish because I have been paying it, but did not want to aggravate the situation further. I rang the council who said that I had to pay the bailiffs and told them I was unemployed and mum was disabled, they refused to recall the balances from rossendales and insist I have to pay them. Questions are do I have to pay the fees that the bailiff has charged? What legislation can I use against the council to force them to take the balance back from them? Should I complain about the police who attended as they did not remain impartial, they said they were there to prevent a breach of the peace?

Hi, I really hope someone can help me with this. I attempted to input my Eon readings last night and to my horror, I noticed that all previous readings have been in-putted the wrong around. The Normal rate appears in the Night rate box & visa versa. Eon have sent their meter readers round several times over the course of the last 5 years and not once has this error been noticed or rectified. I rang Eon to report this (about an hour ago) and was told that I have to ring them back later this afternoon as they are currently experiencing a data issue on their servers and they can't access the information they need to in order to deal with my issue. The man I spoke to did say that the readings have been wrong since 2007 which was when the meter was installed and the bills will be amended and back-dated to 2007. Obviously, I'm worried that I've been underpaying for the last 5 years and will now face a huge bill that I cannot afford. I have read up on the billing code and I think I should be covered under this, which means they'll likely ask for back payments for the last 12 months but my argument is as follows: If I have been underpaying, and it's because they have incorrectly set the meter up/failed to notice any errors until I reported them, why should I have to pay them anything? Eon's method of inputting meter readings in online is hugely flawed. Once the readings are in-putted incorrectly, there's absolutely no way of rectifying it. It automatically sets this as the preferred order which means all subsequent readings in-putted thereafter are incorrect. I would really appreciate some advice on how to take this forward. I am dreading ringing them back in a couple of hours time. I have enough on my hands at the moment without entering into a lengthy battle with Eon. Thank you for reading this and thank you in advance to anyone who responds.