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    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
    • Second charge mortgage market returns to growth View the full article
    • You can't "take advantage of the discount period and argue later" if this means pay up at discount and then appeal.   Paying closes the case, at discount or otherwise.   Only time it doesn't is for removals.
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Right I need some help please.

 

My OH had 3 years HP on a car. When he took out the HP he was self employed. Then his contract ended, he took up agency work which was very sporadic. The result was that we were in arrears with the HP. We kept them informed at all times but they were very rude and unhelpful icon_rolleyes.gif When we could afford it we made up with extra payments and at one point we were paying £100 a month more to catch up. We did catch up this year and we have been running at a month in arrears. We have been charged interest the whole time, default fines, charging us for sending letters etc and the charges are up to £800. The whole time they have threatened to repo the car and lately they keeping saying that they are going for an attachement of earnings.

 

I tried to make a payment last month and the credit controller refused to take my payment, so I paid it at the bank. OH tried to make a payment today and they refused again. Now this payment is the final payment, once this has been paid the HP is paid off IN FULL and ON TIME. Only the charges are left to pay.

 

They have told us that unless the charges are paid they are going keep the car on the HP register. No biggie, we cant afford to buy a new one anyway.

 

Now, they are threatening an attachment order again for the charges and have again said they are going to repo the car.

 

My question is, can they do this. The HP is paid off in full as of tomorrow, so it is only their rip off charges to pay. They wouldnt accept a payment offer (we never told them an amount, they insisted on payment in full icon_rolleyes.gif) If they do take it court we are only going to offer a sum we can afford, about £50, and contest the attachement order and any repo order. I have written to the CE and the finance director telling them we are going to pay £50 and defend any court action. By not accepting a payment they were keeping our account in arrears and charging us for this. They just couldnt stop us going to the bank and paying it there.

 

They have been a nightmare from start to finish and have threatned us with repo from the first default. How does the court stand on charges? I dont think they can repo the car as the HP is paid off.

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Do you know why they tried to stop you making those last two payments?:confused:

 

I think you would be OK in court on the charges front, but I don't know enough about how they go about repossessions on a car HP - presume they would need a court order... Hopefully someone will be able to give better advice.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Do you know why they tried to stop you making those last two payments?:confused:

 

I think you would be OK in court on the charges front, but I don't know enough about how they go about repossessions on a car HP - presume they would need a court order... Hopefully someone will be able to give better advice.

 

I have no idea why they wouldnt take my payments, I thought it was very very odd. But we went to the bank to pay them and we made the last HP payment yesterday so our HP is now clear, only crappy charges to pay.

 

I know they cannot repo the car without a court order, I honestly dont think a judge would allow it as the HP is now clear only charges to go! The best they can go for is a CCJ for the charges.

 

We are going to pay £50 a month at the bank and wait for the court order to arrive, it is not going to look good to a judge that they refused payments and then wouldnt even listen to payment plan, would only accept full payment. They also claimed that my OH rang up and offered to pay in full which is news to us! In my letter to the CE I have asked for a copy of the recording to prove this. :rolleyes: It wont appear because we never did this!

 

I have also asked the CE of a full break down of all the charges and I want to know how much the manual intervention of sending each letter cost and that they reduced the late payment charges to £10 from £20 due to the OFT guideline, I want the bill reducing by £100 as obviously the £20 was unlawful!

 

They were the worst company ever, telling lies. Good job I know my rights!

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You need to claim back ALL the charges that have been applied to the account including interest. I would forward a letter before action stating your intention if they do not pay up.

 

I also suggest you make a sec 79 request.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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You need to claim back ALL the charges that have been applied to the account including interest. I would forward a letter before action stating your intention if they do not pay up.

 

I also suggest you make a sec 79 request.

 

We havent paid the charges yet, only the HP. They want to the £800 for charges in full. I am not sure what to do next as they are going to go for a CCJ and an attachment of earnings. (will fight both of these).

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I would be tempted not to pay them another penny. As Paul says you should be able to claim back all the charges so if they claim £800 from you then you counterclaim £800 from them. I am sure they are fully aware of this.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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