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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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5 months, £17k of debt, Paid of £8.5k to settle accounts...Happy!


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Hey all.

 

Just wanted to share my experience with you all. I came to this forum a little late in the game so I might have missed out on a few things but Im happy.

 

Thought I would explain a few things in the hope that it may help some others in a similar situation.

 

Basically, I was in debt. I borrowed from credit cards and basically borrowed more than I could realistically afford. I had an overdraft and 6 credit cards.

In December my bank cut my overdraft by £1k. They say they sent me a letter but I dispute this. Anyway, lots of people start ringing me up asking why direct debits had been returned blah blah. You get the picture. Christmas was coming and I had had enough. I started to read up stuff on the net and even rang one of those companies you see advertising on the TV. I thought an IVA or bankruptcy was just around the corner :o

 

I still hadnt found this site when my sister said to try the CCCS. At the time I knew nothing about them but gave it a shot.

 

I went through my income and expenditure with an advisor and when you budget for everything you can think of and break it down so as to set a little aside for it each month....its scary!

 

At the end of each month, before my unsecured debts I had about £18 per month to spread between my 7 creditors and the £17k of debt.

 

I had a car which was my 'toy' which I owned up to and said that I would sell it if required so the advisor told me to send a letter to each of my creditors explaining the situation and offering to make token payments to each of them on a pro rata basis.

 

I still didnt know about this site!

 

Very soon I started to get phone calls from the creditors asking why payments were missed and that I needed to bring my account up to date. Some were quite forceful but I was ready for them.

The CCCS advised me that the creditors would do and say almost anything to scare me into making a payment that I couldnt afford. They advised me to stay calm, be polite and firm and stick to my token payments.

The phone calls got more and more frequent, sometimes 3 or 4 a day and each time I said my piece. I was threatened with door step collections and some of the people were just downright rude. It was hard to stay calm but I did...

One company even offered me a consolidataion loan, I was like WTF!!!!!

 

Anyway, I sell my car and get around £8.5k clear. I ring the CCCS and let my advisor know and she said might as well try a cheeky offer to pay off the debts. Divide up the money on a pro rata basis and see if they will accept a 50% payment.

 

Most of the creditors laughed which to be honest I thought they would but I just said thats fine...I'll just carry on making the £1.00 per month payments etc.

 

One by one, each of the creditors have agreed and so Im happy. :grin:

 

I have written acceptance from them now and am happy that they wont come after me in the future to reclaim the written off outstanding balances.

 

I borrowed the money and knew I would have to pay it back. Didnt have a problem with that. I feel lucky that I got to pay back 50% although after finding this site I guess some people will flame me for that! lol .

 

I think what Im really trying to say is dont take what the creditors or their collection monkeys say too seriously or personally. They are just doing their ( crappy ) job like the rest of us.

Try not to get stressed when they threaten to send the heavies round, more than likely it isnt going to happen, its just a ploy to get you to part with money you can ill afford to do so with.

Smile when your on the phone, its harder to get mad that way!

Edited by jotto
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Good for you, however I would keep the written proof from each creditor in a very very safe place for at least the next 25 years

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Could someone tell me why people think that negotiating and reducing the total amount you have to pay back is a bad thing?? i dont want to start any arguments, if they want 100% of monies owed surely they can say no to 50%??

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depends on how the total money to pay back accrued, half the time it is probably made up of charges etc

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Could someone tell me why people think that negotiating and reducing the total amount you have to pay back is a bad thing?? i dont want to start any arguments, if they want 100% of monies owed surely they can say no to 50%??

 

indeed they can but if the alternative is £1 per month surely a lender would feel that a lump-sum is a better deal all round.

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I could justify this in interest alone, which although known at the start that it is extortionate when accounts get into this kind of state and people are in difficulties failure to freeze or stop it is madness and not very fair, considering the interest racked up over the years ..... bit like kicking a guy when he is already on the floor ...... which I know is the best time to kick him as he can't kick you back ..... ah I see where they are coming from now !!

Professional Halifax Loather

 

"In the dark, all cats are grey"

 

Illegitimi Non Carborundum

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