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    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
    • Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company.
    • The relevant notes with regards to Reconstituted versions of an agreement if you wish to rely on an exhibit. Waksman Reconstituted Agreements.pdf
    • thank you. I assume therefore that this would be a no to mediation. I imagine it becomes very likely I will then have to physically go to court?  
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Landlord Issuies - Please advise


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Hello

 

Please could someone advise me on a few issuies at hand.

The first one is:

 

1. In Feb my partner gave birth to my first baby (01/02/2008), unfortunately this happens to be the same date I deposit the rent into my landlord (Who is the agent aswell) although the rent is only due on the 3rd of the month, the 1st Feb was also a Friday. I did not manage to deposit the money in his account on the 1st as my partner went into labour @ 5:30am. I spent the whole day Saturday at the hospital and didnt manage (didnt remember) to deposit the rent till Wednesday 6th, the only thing that made me remember that i didnt deposit the money was a missed call (on the 6th) from the landlord's number.I ran quickly into town and deposited the money, called the landlord & apologised as I had alot on my plate.The land lord was fully aware that my partner was pregnant,infact they even knew that she had given birth BECAUSE the phoned her aunty and told her aunty that we do not pay rent and we are late all the time :eek: (obviously not true) and discussed my details with my partners aunty (who is not even a garantor or my lease, her home line was what i used when i stayed there), The landlord did not even mention that he had spoken to anyone.I found out when my partners aunty was blabbing my business to everyone in her family and that caused a family arrgument and is part of the reason my partner and I have now split our ways.

 

Furiously I emailed that landlord, explaining that he knew full-well that my partner was due to give birth, I have never not paid him his rent, I explained that by discolsing my personel details to a third party, he was breaching the "Data Protection Act" of 1998, he replied apologising and accepting that he had unnessarly discolssed my personal details to a third party person.

 

This incident has played a a big factor into my reaction to my partners family & the break down of our relationship, I have since been diagnosed with depression and I want to know what i do to my landlord legally because it seem unfair that I suffer and he gets away smiling.

 

2. My second issue is, when we moved into the house just over a year ago, the landlord presented us with a gas certificate for the two gas fires downstairs, this year when he had someone come round to do the inspection, the gas inspector shut them down and put a yellow tag round them, he said the gas fire heater in the dinning room, which we used had no anti-fire back to it (something like that) and he said it is dangerouse, the gas fire heater in the lounge is a fake coal gas heater that has real flames, he shut it down because it did not have ventilation (Or adiquate ventilation) he asked how often we used it and we told him that we have used it nearly everyday since she got pregnant and also once the baby was born we used that to heat room (with the door closed) he was shocked and said that we should not have been exposed to such danger.

 

I have since found out that the landlord always used cowboy laboures in the past.The inspection was about two months ago and the land lord has not done anything to get them fixed, we have had to use electric heaters now which costs alot more, he has not even mentioned anything about the gas being unsafe. Should we be compensated for using the electric heaters now and how about all the time my partners, her two daughters and I have had bad chests could that not be from sleeping in the living room with the gas fire on and not enough ventilation? How about the effects it may have had on my new born (and yes we have seen the midwife and doctor about his chest and nose after he was born) because he used to have very bad wezzy chest and his nose was always clogged up.

Where do i stand legally against my land lord on both issues, please help

 

Thank you

Carlos

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I'm afraid I don't know about legally but you can certainly get environmental health to investigate and order the landlord to repair the faulty equipment.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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