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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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Andy v CapOne


andyford2000
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Thanks

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No, problem, as long as that's what you need, I'm not to good with 'bundles' :rolleyes:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi, Andy.

 

I'll try to get someone to help you, I'd help you myself but the systems different in Scotland :rolleyes:

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I think you need the advanced bundle-give me a minute.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Dont speak of leaving this now-this is the most important stage of the claim.What you will be supplying now will be crucial.Its something most will have to do-The first one is always hardest.Just be patient and if theres anything you dont understand then ask.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You can begin by downloading case laws as advised.do 3 copies of everything incl account statements letters etc.

Theres no need to do copies that the other side or Court may have-so for example you dont have to do statements for the other side-likewise you dont have to do copy court docs for the court-they already have these.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I see BRW is here maybe he can offer more....I have to go.

You can address individual points such as defaults etc in your witness statement.

 

Get to it...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Martin3030 and Andy!

 

I see BRW is here maybe he can offer more....I have to go.
I regret I've only dropped in as it's on my Watch List...I regret I'm not up to speed on the case at all.

 

However, if it is any help at all Andy, just slow yourself down and plod though the issues one step at a time.

 

I see you have the Hearing on the 20th, so it's close, but you have from now until Thursday Night to get this pulled together. That may not seem long, but it's a lot of time if you work steadily through the issues.

 

Re-Reading your own Thread is not a bad place to start, and sit down with a cup of Tea and a notepad, and scribble down anything useful that you may have forgotten about.

 

Next step is to sit back and write out, in big headings only, what it is you are Claiming. IOW, what do you want from CapitalOne?

 

It's vital that you have a clear idea of the key points. Once you have them lined up, then stick each onto a Sheet of A4, and jot down the winning issues. Make a note of anything you need to back up the key points and issues, such as Case Law, or any CAG Documents that are known to help your case.

 

Then make sure you have those Documents.

 

Then look at the Trial Bundle links that Martin3030 has added, and see how one is assembled. It's nothing to get too daunted by, and is mainly a case of organising what you need to see in your bundle.

 

Start pulling the Folders together on your PC ready for Printing...but don't Print them yet, just start getting them ready. Give the Folders Numbers if you like, so they start to line up in the right order, then change the numbers as needed if you need to add others, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

010 Folder - Anything else sort of useful

 

If you need to add something you've just spotted, then by leaving numbering gaps, you can inset an extra Folder, i.e.:

 

001 Folder - My N1 and POC

005 Folder - Anything else very useful

007 Folder - Something useful I've just found

010 Folder - Anything else sort of useful

 

Soon you will start to gather the bumf together.

 

But keep going back to the main Claim points, and make sure you know what documents you may need to refer to to back up each one, and make sure you can find them on the day when needed.

 

Once you have the bumf all lined up, then Print them out, and insert into a large A4 Lever Arch Ring Binder File.

 

Use Cardboard Dividers or Tags of some sort that stick out to help you find things.

 

When all looking good, add Page Numbers to the bottom Right...but in PENCIL, so you can rub them out and re-do them if needed.

 

You can use Section Page Numbers if that helps:

 

Master Index

 

Section A Card Divider

 

Page A1 to Page A20

 

Section B Card Divider

 

Page B1 to Page B15

 

Section C Card Divider

 

Page C1 to C24

That way you can keep Page Numbers intact for a Section, and if, say, Section C needs an extra page or two, you don't need to re-number Sections A and B.

 

Right, when done, then practice what you want to say, and practice finding the bumf you may need to back it up. Write out a DIY Guide for yourself for use on the day, so that you know what each key issue needs, and where that can be found, for example:

 

My Argument One:

 

References:

 

Document 1 - Section B Page B5

Document 6 - Section C Page 15

You'll soon get the hang of it.

 

If time, create an Index as well, that is at the front, so ALL Documents have page numbers listed against them, so if you get hit by a wobbly in Court and know which document would help, the Index will let you go to it quickly.

 

Finally, Print off two extra copies on Thursday Night for the Judge and for the Enemy! Quickly Page Number them, and add Card Dividers if time...but if you do have an Index, add a copy for them, and make sure it matches yours so on the day, you can all go to the right page.

 

Finally, after all this, I bet CapitalOne will not turn up! But if you do all of this and they don't bother to show and you win, how pleased will you be.

 

...and how annoyed would you be to pull out now knowing they may not even bother to show!

 

Take this all the way, and give them hell!

 

Sorry this is just general, but as I'm not bogged down in the case, I can take a step back and try and help you to get an overview.

 

I do hope this helps.

 

Cheers,

BRW

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Very good BRW.......plenty there for him to be getting on with.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Andy!

 

Sorry, I mis-read the Court Document, saw 20th March, and thought that was the Hearing Date. I can now see it is just a fee that has to be Paid by then.

 

In that case, you have a fair amount of time yet to play with, and no, you don't need to send anyone any bumf by the 20th.

 

My apologies, I could not see the Hearing Date was in April.

 

Plenty of time then!

 

But, start using it now, or you'll soon run out. Get ahead straight away, because then you will be very well prepared by the Hearing.

 

Cheers,

BRW

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  • 2 weeks later...

just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

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just had a very interesting call from capital one on friday, offering me a further £200+ in interest and they would remove the fefault marker on my credit files. told them i wanted all late payment markers too and then would settle. they informed me that they couldnt remove the late payment markers.

 

does anyone know, if it is possible for them to do this or an successful claims before that have manged to remove markers successfully

 

I believe Barclays can do whatever they want with the credit history, they are the "owners" of the information. I've seen threads on here where they have wiped out all bad markers. I think they're just trying hard not to cave in.

 

I think noomills thread is a good one to read, he got barclays to remove all bad markers from his credit history.

 

PmW

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  • 4 weeks later...
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