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    • writing only not email ...end of.. does she want to keep the car?
    • Having another go now. Here is my thoughts on approach with the defence while I edit the WS. Focused around proof of service of CCA required paperwork, referring to s136 and s196 Law of Property Act 1925, and this section (my highlights) "Any notice required or authorised by this Act to be served shall also be sufficiently served, if it is sent by post in a registered letter addressed to the lessee, lessor, mortgagee, mortgagor, or other person to be served, by name, at the aforesaid place of abode or business, office, or counting-house, and if that letter is not returned through the post-office undelivered; and that service shall be deemed to be made at the time at which the registered letter would in the ordinary course be delivered." Having a photocopied letter only in exhibits is not proof it was serviced. Strict proof? Proof of postage/receipt? Or, am I missing the point with the above please? And somehow arguing the agreement looks smelly.. like I could have typed it up myself. - not sure how this can be argued correctly, but it's just a piece of paper with my name on it, I think having a judge decide is a perfectly reasonable thing for a person to do if they don't think it's right. As it's my first court case and potentially many to come, I'm keen to experience it (or one of the first ones), I can afford to argue this one in court. I will also benefit from seeing this through for future decisions I will have to make.. rock and hard place With all of that said, and taking dx's advice, I'll TO if attractive and maybe do court on future ones that have a greater chance at success.
    • Back in 2019 this forum helped me to get free of Payplan and through some CCA letters dispense with a number of old debts. One related to a Barclays Overdraft from the early 00s, last payment through PayPlan was 04 June 2019. I have informed Drydens in both May 2019 and June 2023 of change of address. No letters beyond a confirmation of the change and a request for finanical details, which ive ignored. Today ive just received 2 letters from them that look like notice of assignment, or confirmation of appointment letters - along with the usual requests for payment and mild threats of further action. What i was wanting to know is do i just ignore these as per usual? I know that i cant CCA an overdraft debt but what is the usual "plan" for dealing with old overdraft debts? Am i trying to run the clock down until June 2025 when it becomes statue barred?
    • put selling and dca's and a very rare chance of a court claim out your mind. months/years if at all. but never ignore a letter of claim. as for the rest, to be frank you are now in the knowledge/research stage. a day.  
    • Upcoming changes to DRO rules The rules to qualify for are DRO are changing on 28 June 2024. From this date, the maximum level of debt you can have for a DRO will increase from £30,000 to £50,000. Another change on the same date will mean you may qualify for a DRO if you have a vehicle worth less than £4,000 (the current limit is £2,000).   Debt Relief Order Unit Insolvency Service Phone: 0300 678 0015 Email: [email protected] Individual Insolvency Register www.insolvencydirect.bis.gov.uk/eiir/ Insolvency Service www.gov.uk/government/organisations/insolvency-service   .   .  
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Re Tenancy deposit sceme..


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Hello every one...we have rented our house since March 07 on a 6 month assured short hold tenancy contract. At the end of the 6 months we signed for a Periodic Tenancy on a month by month basis. My query is-is our deposit protected under the deposit scheme as we don't really understand how it works! (we are looking to move due to intolerable circumstances and would like to know how we stand with the deposit before we give our notice and if it should be part of a scheme? Not really that clued up! and could do with a lot of help) Thanks ever so much for any advice given! Kerry

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Did you actually sign a new agreement? It is very unusual to do so if it is simply a change to a statutory periodic tenancy...

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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Read this thread: http://www.consumeractiongroup.co.uk/forum/tenants/117280-tenancy-deposit-scheme.html

 

If the tenant under a shorthold tenancy pays a deposit (often called a "rent deposit") on or after 6 April 2007, the landlord must comply with the Housing Act 2004 in relation to that money.

 

But a deposit paid before that date is only protected by the Act if the tenancy is formally renewed on or after that date, by the signing of a new tenancy agreement, not if the tenancy merely continues by default.

 

It seems you might have an arguable case for saying that your tenancy was formally renewed. Not a cast-iron certain winner, but a reasonable chance of winning.

 

Probably therefore worth claiming the return of your deposit plus the penalty (making four-times the amount of the original deposit in all), once you have moved out, as there is some prospect you might win.

 

 

Advice & opinions on this forum are offered informally, without any assumption of liability. Use your own judgment. Seek advice of a qualified and insured professional if you have any doubts.

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  • 7 months later...

OOOHHH GOODY GOODY GOODY. We were made to renew (sign a new T/A ) every six months. The LL did not protect our deposit claiming that as it was given to her before the law changed then she was not obliged too. We have vacated the premisis and she is refusing to return our £500 deposit because of the three srew holes that were made in the hallway wall to secure our alrm control box!. As the last T/A was only signed December 2007 does that mean that we can claim the three times the £500. Tell me please, i could do with some joy at this time ( and a short Holliday) :)

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As the last T/A was only signed December 2007 does that mean that we can claim the three times the £500. Tell me please, i could do with some joy at this time ( and a short Holiday) :)

 

You can certainly make a claim - whether you will succeed is uncertain.

 

There are cases that have been won, but there are two cases that relate to your circumstances that have been lost.

 

The first was the Glastonbury one you commented on. As the deposit was "received" before 6 April 2007 the claim failed.

 

The second was where a claim was made after vacating. The judge in this case ruled that as the claimant had vacated the property they were no longer a 'tenant' in relation to the deposit. As a claim can only be made by a tenant, the case was dismissed.

 

Thus you can only pay the court fee and hope you get decision in your favour.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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aaaahghhhhhhh. But wait a second. the NEW T/A states that the deposit will be placed in a government scheme, the LL signed the agreement after 6th April. As it turns out, it wasn't deposited in a fund. It was not untill I gave up the tenancy and the ll refused to return my deposit, that I discovered that the LL had pocketed the £500. Surely one should not be barred from a claim just because he/she was unaware that something untoward had happned. Surley the whole ethos of the rules is to deter LL from thinking that the can rip off thier tenants willy nilly. Go on cheer me up, two cases have been lost! Have there been any cases that have won ?

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Surely the whole ethos of the rules is to deter LL from thinking that the can rip off their tenants willy nilly.
The thinking of the government was exactly this: To make the small minority of landlords who abused tenants deposits to act fairly. Trouble is, they get so tied up in rhetoric, they lose sight of the practicalities of what they want to introduce (And we have another fiasco with an 'option under consideration' of temporarily messing with stamp payments on property transactions).

 

Go on cheer me up, two cases have been lost! Have there been any cases that have won ?
Cases have been won. You just need to be aware that there is always risk in taking legal action, and in the case of deposits greater risk purely as a consequence of the sloppy drafting of the enacting legislation.

On some things I am very knowledgeable, on other things I am stupid. Trouble is, sometimes I discover that the former is the latter or vice versa, and I don't know this until later - maybe even much later. Read anything I write with the above in mind.

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