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    • Particular's of claim for reference only 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Suggested defence 1. The Defendant contends the particulars of the claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.3 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has not complied with paragraph 3 of the PAPDC (Pre action protocol) failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st of October 2017. It is respectfully requested that the court take this into consideration pursuant 7.1 PAPDC. 3. Paragraph 1 is noted. I have in the past had financial dealings but do not recognise this specific account number or recollect any outstanding debt and have therefore requested clarification. 4. Paragraph 2 is denied. I have not been served with a default notice pursuant to the consumer credit act 1974. 5. Paragraph 3 is denied. i am unaware of any legal assignment or notice of assignment. A copy of assignment was sent by Overdales solicitors when acknowledgement of receipt of CPR request was received, but this was not the original.   6. Paragraph 4 is denied. Neither the original creditor or the assignee have served notice pursuant to sec86c of the Credit Consumer Act 1974 Notice of Sums in Arrears and therefore prevented from charging interest on debt regulated by the CCA1974. 7. The defendant submitted a request for a copy of the alleged agreement pursuant to s78 CCA 1974. The claimant has acknowledged receipt of request but has failed to comply. The claimant has failed to provide any evidence of balance or Default Notice requested by CPR 31.14 8. It is therefore denied with regards to defendant owing any monies to the claimant. therefore the claimant is put to strict proof to:  a.  Show how the defendant has entered into an agreement with HSBC. b.  Show and evidence the nature of breach and service of a Default notice pursuant to section 87 (1) CCA 1974. c.  Show and quantify how the defendant has reached the amount claimed for. d.  Show how the claimant has the legal right, either under statute or equity  to issue a claim. 8.  As per civil procedure rule 16.5 (4) it is expected claimant prove the allegation that the money is owed. 9.  Until such time the claimant can comply to a section 78 request he is not entitled, while the default continues, to enforce the agreement 10. By reasons of the facts and matters set out above, it is denied that the claimant is entitled to the relief claimed or any relief.     .
    • OK, well rereading the court orders from March, in the cold light of day rather than when knackered late at night, it is quite clear that on 25 June there will only be a preliminary hearing about Laura representing her son.  Nothing more. It's lazy DCBL who haven't read things properly and have stupidly sent their Witness Statement early. Laura & I had already been working on a WS, and here it is.  It needs tweaking now after reading the rubbish that DCBL sent and after all of LFI's comments.  But the "meat" is there. Defendant's WS - version 1.pdf
    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
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Unauthorised person in flat


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I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in and was residing in her room. The rent included all bills. The unauthorised person has therefore created additional costs to me during their 4 months unauthorised residence. Additionally, the person attracted complants from other tenants.

 

I am holding the tenant deposit. However I intend to charge the former tenant an additional rental sum at a rate of £100 per month for the unauthorised occupation that she allowed (in contravention of the tenancy agreement), and the additional utilities costs. I will deduct this from the deposit and refund the difference.

 

Have other forum members had experience of this type of situation, and am I within my rights to make these charges retrospectively?

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I suspect the response is that you may be entitled to your loss if you can prove that you suffered one.

 

But how much of the 100 pounds were you planning to pay the other tenants who were the ones who actually suffered?

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I have 'evicted' a tenant under section 21 after finding that an unauthorised person had moved in and was residing in her room. The rent included all bills. The unauthorised person has therefore created additional costs to me during their 4 months unauthorised residence. Additionally, the person attracted complants from other tenants.

 

I am holding the tenant deposit. However I intend to charge the former tenant an additional rental sum at a rate of £100 per month for the unauthorised occupation that she allowed (in contravention of the tenancy agreement), and the additional utilities costs. I will deduct this from the deposit and refund the difference.

 

Have other forum members had experience of this type of situation, and am I within my rights to make these charges retrospectively?

 

You do not have any grounds to make such a charge, although the tennant has breached the contract you have not actually suffered any loss. As stated above, the other occupants have a case given they are subsidising bills etc.

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Prop,

 

I would just like to add:

 

1.You need to quantify your losses before you make deductions and should have backup evidence to prove as such.

 

I disagree totally with anyone that says prop is not a consumer.There are plenty true stories of problematic tenants that need a proper professional and lawful/legal approaches in dealing with such situations.

 

So TENANTS AND LANDLORDS ARE BOTH WELCOME!

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Agreed N4B - many of us are landlords ourselves, and can give a balanced view.

 

With regards this specific issue, I don't know if I agree with Maurice(in fact I dont - you clearly have in fact suffered a loss, although whether they are in real breach of contract is doubtful), but I would still very much disagree with the charge you are attempting to levy for different reasons(two in fact):

 

- The tenant is allowed to have guests. These guests can stay for an indefinite amount of time. I think it would be fairly easily argued that he was a guest, albeit for a long period of time.

- The much more important point however is that the £100 a month charge is a gross over estimate of your actual financial loss. On what detailed costings are you basing this rate? Your ACTUAL loss is ONLY gas and electric bills. Maybe water bills, IF the water is metered(not at a standing rate). Therefore, your loss should be calculated by taking a bill prior to the occupation and one after, and the increase is your actual loss per month/quarter(or better, take an average over a few bills before and a few after). I'd be amazed if this came to more than about £30 PM.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

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There is no breach of contract, unless the tenancy agreement expressly prohibits the tenant from sharing occupation of the premises.

 

Where there is no breach of contract, there is no right to damages (i.e. compensation).

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The TA usually states the names of the tenants who will make use and reside in the property - it is therefore a clear breach of contract if another person moves into the property and takes residence as appears to be the case here. The Landlord therefore is within their right to terminate the agreement if there is no remedy provision for such a breach (I have never seen one and have 7 previous TA's).

 

The second part of the post related to the charge, I made comment that this was unreasonable given that this was clearly disproportionate to the actual loss.

 

I have checked this with a barrister friend and this is also their view.

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The TA usually states the names of the tenants who will make use and reside in the property - it is therefore a clear breach of contract if another person moves into the property and takes residence as appears to be the case here. The Landlord therefore is within their right to terminate the agreement if there is no remedy provision for such a breach (I have never seen one and have 7 previous TA's).

 

Wrong, on three counts:

 

- They cannot be IMPLICITLY in breach of their contract. They are only in breach if it explicitly states that no-one else can be resident in the property etc.

- It is arguable that such a term would impact on their rights as a tenant to have a guest anyway. Certainly it would be nigh on impossible to prove that they are not a guest but a resident IMO.

- The landlord cannot terminate on this basis - he would have to go to court to get a Section 8 eviction on breach of contract, which would be up to the court to decide whether it was sufficient breach or not. He actually evicted by S21, which does NOT require a reason.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

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Wrong, on three counts:

 

- They cannot be IMPLICITLY in breach of their contract. They are only in breach if it explicitly states that no-one else can be resident in the property etc.

- It is arguable that such a term would impact on their rights as a tenant to have a guest anyway. Certainly it would be nigh on impossible to prove that they are not a guest but a resident IMO.

- The landlord cannot terminate on this basis - he would have to go to court to get a Section 8 eviction on breach of contract, which would be up to the court to decide whether it was sufficient breach or not. He actually evicted by S21, which does NOT require a reason.

 

They would be in clear breach by having another person live at the property. The landlord would have no problem getting a Section 8 order from the court. The contract is explicit in terms of naming the tenants and would cover others residing at the property.

 

I suggest you get your facts right Shed, you are providing misleading information. Go back and read the thread question at the start!

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Laving the issue of additional costs which the "unauthorised" person caused to the OP; the tenant is allowed to have guests or house-sitters in their absence. Blanket restriction would be considered an unfair term.

But yet again, we have not got enough information: was the person residing with or instead of the named tenant? Was there a sublet situation?

Monty, could you properly substantiate your statement that tenant

would be in clear breach by having another person live at the property.
Have you seen the tenancy agreement? Have you asked OP whether it contaned a clause prohibitting subletting, assigning or guests? What do you mean by "clear breach"?

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Monty, frankly your statement above is baloney. I cant even be bothered to rise to it. If you really want to continue the conversation, please, feel free to produce case law where a section 8 eviction has been successful based upon an implicit breach by introducing "unauthorised" residents, where there was no explicit requirement not to have other residents, and also where the argument that the resident was legitimate under the right of the tenant to have guests was used, unsuccessfully. Then I will entertain a conversation regarding it.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

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frankly your statement above is baloney

yessssss! not only I agree but I am pleased to see that there are other mavericks who like to slip the leash occasionally :lol:

 

Also: Monty, Monty, but you did not answer any of my valid questions, it makes me wanna cry! I suppose you can't really answer them, can you?

Ah, lesson learnt, huh?

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Q1. Have you seen the tenancy agreement?

 

Q2. Have you asked OP whether it contaned a clause prohibitting subletting, assigning or guests?

 

Q3. What do you mean by "clear breach"?

 

1. Obviously not, but I have never seen a TA that does not clearly specify who the Tennant's are!

 

2. It is very unlikely that there is a provision for subletting. The question did not specifcy guests; I Quote "an unauthorised person had moved in". Clearly not an overnight guest!

 

Perhaps the poster would like to clarify?

 

3. There is clear breach. Any persons, other than the specified tenants will cause this material breach of the agreement. The issue comes down to the remedy provision, if any.

 

Otherwise you cold go and rent a house and move a load of folk in and charge them rent.............get real!

 

I have seen more then my fair share of such agreements and if you think the above is incorrect then so be it!

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Im confused!

Every Tenancy agreement that I have had, has always included a bit about, you may have guests stay, but not for more than 2/3 unbroken weeks at a time.

 

I was told it was something to do with, if a "guest" stayed for a certain unbroken period then they could legally become a tenant of that property. So someone knowing they are being evicted at the end of their first 6 months, could in theory have a mate move in without the landlords knowledge for the last month or whichever qualifying period it is, thus the mate then creates for themselves a new 6 month tenancy agreement by default and cannot then be evicted, for the usual 6 months.

 

could be completely wrong or out of date.

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I agree with Monty, looks like some people have not read the actual question at the start of the thread!

 

The main point I raised and Monty also, was in relation to the charges, the issue of breach is a no brainer. It is clear there has been!

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Come on guys, you are looking too black and white - it doesnt matter whether the person is resident or not, it is a matter of what can be proven in court. The tenant is entitled to have guests, it is part of his quiet enjoyment of the property. A guest is not defined in law, as to how long they have to stay before they are no longer classed as a guest. Therefore IMO the only way to prove whether they are a guest or not is to prove that they were having mail delivered to the address, and even this is not set in stone. Not neccessarily the easiest thing to prove in court!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Otherwise you cold go and rent a house and move a load of folk in and charge them rent.............get real!

 

I have seen more then my fair share of such agreements and if you think the above is incorrect then so be it!

 

Also, this is a completely seperate matter - this is subletting, which there CAN be clear rules against. It is not paying rent which causes the, admittedly, grey area.

 

You realise Monty that probably around 90%, if not more, of tenancy agreements issued at the moment have at least one unenforceable term in them? What a tenancy agreement says, and how many you have seen, is almost irrelevant in a lot of situations. The Lawpack and WHSmith tenancy agreements, some of the most popular, come with unenforceable terms in them!!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Would you like to qualify that comment with some constructive discussion? Or can you not actually legitimately contradict my points, so you have, rather childishly, decided to descend to personal insults?

 

Well, my dad is harder than your dad.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Monty and Maurice; we love inapropriate language and personal attacks. It's because we get to be cool and rise above it and the rude, uneducated posters get to look like frustrated loosers, :lol:

Besides, you are wrong, wrong, wrong, neh neh neh :D

Listen carefully: The issue of charges was discussed and the agreement was reached. As for the guests: tenants can have guest. The guests can stay for undefined period of time. The section 21 doesn't have to give grounds, so the tenant cannot actually be evicted because they have guests. Blanket refusal to allow guest would be uneforceable anyway.

Now, play nice or nobody will play with you :D

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While I try to stay out of the private lives of my tenants, I have an example of two situations that could put an obligation on a landlord.

 

1) The house I rent out is a 3 storey house with 4 occupants. If one of them wishes to move their girlfriend in, I would be required to get a license for multiple occupancy (more than 4 people in a three storey house). Even knowing that someone has unofficially moved in can make me liable.

 

2) In another house I know of, the rent is paid directly from the housing benefit (this was arranged by the agent). However, the "single mother" tenant often has her husband around. Could the landlord be liable if it is deemed that the housing benefit should be repaid because the husband was actually living there.

 

Up to now, a blind eye has been turned...

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