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    • So sorry it's took me a few weeks to respond back to you. Thank you so much for your response. My grandfather is clear about the pension deductions on his pay slips.  As I mention before all these went missing in the burgarly. We have tried Willis Tower Watson but they were not to helpful. I am stuck what we can try next. Thank you again.     
    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have been involved in a protracted battle with our friends :-|

 

They got a CCJ on me and a Final Charging Order.

 

 

So they could not produce CCA and we went off to a court in the south east and the judge adjourned the hearing..he liked what we said about the CCA and that they couldn't prove the debt. He was miffed with Caboot because they had not responded.

 

So we were asked to come back again to Court in the early part of 2008..

 

No need they have written and informed me that they will make no further collection attempts and they are offering no contest to have the CCJ set aside and the Final Charging Order removed.

 

This is a victory in excess of £15,000 made up 75% ish of CHARGES so I do not feel too bad :rolleyes:

 

I am obviously very pleased especially to get rid of the FCO/CCJ .

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Cabot - Don't feck with the Cabot Fan Club ! - You've have been warned before!

 

 

Absolutely brilliant Josh - they never learn do they? Well done for having the confidence to take it on - head-on ...

 

 

Sarah

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WELL DONE -- Fantastic Result :D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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They got a CCJ on me and a Final Charging Order.

 

So they could not produce CCA and we went off to a court in the south east and the judge adjourned the hearing..he liked what we said about the CCA and that they couldn't prove the debt. He was miffed with Caboot because they had not responded.

 

So we were asked to come back again to Court in the early part of 2008..

 

No need they have written and informed me that they will make no further collection attempts and they are offering no contest to have the CCJ set aside and the Final Charging Order removed.

 

I have 3 CCJ's but no CCA compliance. One has a charge on my property but i've always been told i can't do anything about it as CCJ means enforcement so how can s.127 make it unenforceable.

 

But your victory shows there is something that can be done.

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Do you know something we don't renegotiation? It's more like Uncle Ken doing the 'writing off' at present :D

 

I just thought he needed someone to stick up for him. Poor Kenneth... He must feel lonely if he ever comes here. I will play my violin for him. :( :( :(

What sort of world do you want your kids to grow up in?

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I just thought he needed someone to stick up for him. Poor Kenneth... He must feel lonely if he ever comes here. I will play my violin for him. :sad: :sad: :sad:

 

Dear oh dear. Whatever you do don't feel sorry for Cabot and crew for every win you read about they are feeding off other unknown victims. Dear oh dear!

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thank you all for the messages, I appreciate them

 

I will be sticking around....

 

 

The issue as I saw it (and I was gently warned off that I could not do this by not just this forum) was that getting a CCJ without actually legally proving your debt is wrong..they just send these claim forms in and certain bulk processing courts seem to just nod each one off without so much as a question.

 

So my challenge was, OK you have a CCJ but you cannot prove to me or the court that the debt is legal and in this case there was no deed either. Therefore, the CCA states clearly that they cannot pursue the debt with or without a court order..so the dilemna I put to the Judge was that they could hold this over me for the rest of my days..they cannot collect (which he accepted) and the CCJ whilst disappearing after 6 years is meaningless and effectively unenforceable because (and this has been a bit of a hot point) the CCA 1974 holds the contractual superiority and provided the foundations for the CCJ being obtained, if the basis of obtaining the CCJ was significantly flawed then the CCJ cannot hold its own..

 

So that it why I went for it....I do hope I make sense..

 

:lol:

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