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    • 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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Tracey V HFC (Marbles) PPI


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Thanks Davey

 

Would someone be so kind as to check this letter i'm going t send to Marbles, and amendments, suggestions are more than welcome:

 

With reference to your letter dated 26th February 2009 “Notice of Intended Action”.

 

On 1 November 2008I wrote to you requesting a copy of the executed agreement for the above account under s78(1) of the Consumer Credit Act 1974. To date, all that you have sent me is a copy of the current T&Cs and an application form.. You have not sent anything compliant.

 

Notwithstanding the above, you have put a late payment marker on my credit file. This is an enforcement action which is unlawful by virtue of s78(6) of the Act. Further, since you cannot demonstrate that I have an agreement with you; this enforcement action also violates the Data Protection Principles given in schedule 1 of the Data Protection Act 1998 and is therefore also unlawful under that Act

 

With regard to the “Indented Action” I would inform you that I have every intention of counter claiming for my Payment Protection Insurance back and all interest charged.

The amount you are requesting includes my mis-sold PPI and the interest therefore your figures are incorrect

 

I am shocked and disappointed in your continued assertions that you have conducted yourselves in a manner that is appropriate for an extremely large financial institution. I continue to stress that this has not been my experience

 

I would also advise you that I have now reported you to the Financial Ombudsman Service, Trading Standards and will be contacting Watch Dog

 

Yours sincerely

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Sure give it a whirl, see what you get back.

 

That default notice still showing the name by the way.

In regards to that, doesn't look like they have given you the 14 clears days does it (so invalid).

Dated 28th feb, received when? 6th march.. so remedy by the 14 march is not possible. Did you keep the envelope. Has it got a date stamp at all?

 

If you haven't done so already then complain to TS.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 3 weeks later...

These people are doing my head in they are calling me 5 times a day, I dont answer, but the most annoying part is they dont reply to my letters and even although i have put the account in dispute and haven't paid anything in 4 moths they are still sending me statements and adding £90 interest!!!!!!!! Any suggestions????

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:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Your a busy bee Davey, i'll try that letter it's a good one!:p

 

Do you think these monkeys will get fed up and pass me on to a DCA, think I would rather that then the interest will stop! I claimed £554 back in charges off them in January and they just took it off the account but it seems to me that they are trying to get that money back in interest!!!!!!!!

 

Tracey

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Hello tracey,

 

You may also wish to point out this extract for their information:eek:

 

(1) A person must not pursue a course of conduct—

(a) which amounts to harassment of another, and

(b) which he knows or ought to know amounts to harassment of the other.

(2) For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3) Subsection (1) does not apply to a course of conduct if the person who pursued it shows—

(a) that it was pursued for the purpose of preventing or detecting crime,

(b) that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

© that in the particular circumstances the pursuit of the course of conduct was reasonable.

2 Offence of harassment

 

 

(1) A person who pursues a course of conduct in breach of section 1 is guilty of an offence.

(2) A person guilty of an offence under this section is liable on summary conviction to imprisonment for a term not exceeding six months, or a fine not exceeding level 5 on the standard scale, or both.

(3) In section 24(2) of the [1984 c. 60.] Police and Criminal Evidence Act 1984 (arrestable offences), after paragraph (m) there is inserted—

“(n) an offence under section 2 of the Protection from Harassment Act 1997 (harassment).”.

3 Civil remedy

 

 

(1) An actual or apprehended breach of section 1 may be the subject of a claim in civil proceedings by the person who is or may be the victim of the course of conduct in question.

(2) On such a claim, damages may be awarded for (among other things) any anxiety caused by the harassment and any financial loss resulting from the harassment.

(3) Where—

(a) in such proceedings the High Court or a county court grants an injunction for the purpose of restraining the defendant from pursuing any conduct which amounts to harassment, and

(b) the plaintiff considers that the defendant has done anything which he is prohibited from doing by the injunction,

the plaintiff may apply for the issue of a warrant for the arrest of the defendant.

(4) An application under subsection (3) may be made—

(a) where the injunction was granted by the High Court, to a judge of that court, and

(b) where the injunction was granted by a county court, to a judge or district judge of that or any other county court.

(5) The judge or district judge to whom an application under subsection (3) is made may only issue a warrant if—

(a) the application is substantiated on oath, and

(b) the judge or district judge has reasonable grounds for believing that the defendant has done anything which he is prohibited from doing by the injunction.

(6) Where—

(a) the High Court or a county court grants an injunction for the purpose mentioned in subsection (3)(a), and

(b) without reasonable excuse the defendant does anything which he is prohibited from doing by the injunction,

he is guilty of an offence.

(7) Where a person is convicted of an offence under subsection (6) in respect of any conduct, that conduct is not punishable as a contempt of court.

(8) A person cannot be convicted of an offence under subsection (6) in respect of any conduct which has been punished as a contempt of court.

(9) A person guilty of an offence under subsection (6) is liable—

(a) on conviction on indictment, to imprisonment for a term not exceeding five years, or a fine, or both, or

(b) on summary conviction, to imprisonment for a term not exceeding six months, or a fine not exceeding the statutory maximum, or both.

 

This is the statute:

 

Protection from Harassment Act 1997 (c. 40)

 

make them sit up and take notice of the law

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 month later...

Just received a phone call from Marbles now Bank of Scotland, they apologised for my treatment from HFC and asked that I dont take this matter to my solicitor they are keen to get it sorted without courts and my file is now being looked at by a manager?????????? strange

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WHat?! nah, you must have been dreaming? Fell asleep watching emmerdale again i bet! ;)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Just received a phone call from Marbles now Bank of Scotland, they apologised for my treatment from HFC and asked that I dont take this matter to my solicitor they are keen to get it sorted without courts and my file is now being looked at by a manager?????????? strange

 

What has the Bank of Scotland got to do with HFC? I thought they were part of HSBC?

Strange one..........

My complaint for Marbles is now into it's 16th month with the FOS, still no news...:-|

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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As usual they say one thing over the phone and another in writing. I doubt you will ever get that 'apology' on paper from them.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 1 month later...

I have pinched the following from phatram's thread:

COMPLAINT

 

Dear Sir/Madam,

 

Your Ref : xxxxxx

 

I do not acknowledge any debt to your company and refer to your letter of 7 June 2009, the content of which has been noted.

 

I am somewhat bemused by the sale of this account to yourselves, since a request for my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by HFC Bank Limited on xx/xx/xx. HFC have been well aware of their default in relation to this request for some time and have continuously failed to provide any cogent evidence in support of their right to enforce payment. Therefore, I can only assume that they simply failed to inform you before your purchase of this account, in which case, they would not be your clients in the sense that you imply.

 

HFC have also failed to establish that the alleged Consumer Credit Agreement was even contractually assignable in the first place and as such, would be unable to act as assignee of such an account anyway. Since HFC have already stated that no such agreement exists and were only ever able to produce a pre-contractual application form, I respectfully suggest that you liaise with your "clients", before continuing to pursue payments on a disputed (and unlawfully assigned) account.

 

For ease of reference, I have outlined the main points in relation to disputed accounts below :

 

You/your "clients" may not demand any payment on the account, nor am I obliged to offer any payment to you.

You/ your "clients" may not add any further interest or charges to the account.

You/ your "clients" may not pass the account to any third party.

You/your "clients" may not register any information in respect of the account with any of the credit reference agencies.

You/your "clients" may not issue a default notice related to the account.

 

Notwithstanding the above, at no time have I consented to the processing by you of my data in any way that would breach The Data Protection Act, 1998. If this alleged debt had been legally assigned to you, then any personal data relevant to the credit agreement allegedly entered into may only have been passed to you provided that my (the borrower's) authority was obtained in the original agreement. As this is not the case however, then I must point out that you have certainly not requested and I have not given any permission for my personal data to be passed/shared/received by you at all.

 

You may therefore consider this letter a statutory notice under Section 10 of the Data Protection Act, 1998 to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies (if applicable). Should you refuse to comply, you must within 14 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a legal right, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

I look forward to a favourable response within 14 days of the date of this letter; informing me that on this occasion you have made a genuine mistake and that your files are now closed. Failure to respond favourably however, will result in me reporting this matter to Trading Standards, Office of Fair Trading, The Financial Crimes Branch of HM Treasury and any other authorities as I see fit.

 

Yours faithfully,

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the important word in this letter is "MAY", we MAY take you to court. They have no intention whatsoever of going to court, they seem to think if they send this little number you will ring them and make a payment.

 

Every DCA sends this sort of this out, it's a template letter so don't worry about it. Just write back to them tell them they are not in full possession of the facts and to return the account to Marbles. Also inform them that you have a complaint with the FOS, this should make them back off :D

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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It may rain tomorrow.. it may not. If it does i may get wet, i may not.

Doesn't mean a thing does it.

 

These letters are a joke.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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I have pinched the following from phatram's thread:

 

COMPLAINT

 

Dear Sir/Madam,

 

Your Ref : xxxxxx

 

I do not acknowledge any debt to your company and refer to your letter of 7 June 2009, the content of which has been noted.

 

I am somewhat bemused by the sale of this account to yourselves, since a request for my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by HFC Bank Limited on xx/xx/xx. HFC have been well aware of their default in relation to this request for some time and have continuously failed to provide any cogent evidence in support of their right to enforce payment. Therefore, I can only assume that they simply failed to inform you before your purchase of this account, in which case, they would not be your clients in the sense that you imply.

 

HFC have also failed to establish that the alleged Consumer Credit Agreement was even contractually assignable in the first place and as such, would be unable to act as assignee of such an account anyway. Since HFC have already stated that no such agreement exists and were only ever able to produce a pre-contractual application form, I respectfully suggest that you liaise with your "clients", before continuing to pursue payments on a disputed (and unlawfully assigned) account.

 

For ease of reference, I have outlined the main points in relation to disputed accounts below :

 

You/your "clients" may not demand any payment on the account, nor am I obliged to offer any payment to you.

You/ your "clients" may not add any further interest or charges to the account.

You/ your "clients" may not pass the account to any third party.

You/your "clients" may not register any information in respect of the account with any of the credit reference agencies.

You/your "clients" may not issue a default notice related to the account.

 

Notwithstanding the above, at no time have I consented to the processing by you of my data in any way that would breach The Data Protection Act, 1998. If this alleged debt had been legally assigned to you, then any personal data relevant to the credit agreement allegedly entered into may only have been passed to you provided that my (the borrower's) authority was obtained in the original agreement. As this is not the case however, then I must point out that you have certainly not requested and I have not given any permission for my personal data to be passed/shared/received by you at all.

 

You may therefore consider this letter a statutory notice under Section 10 of the Data Protection Act, 1998 to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies (if applicable). Should you refuse to comply, you must within 14 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a legal right, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

I look forward to a favourable response within 14 days of the date of this letter; informing me that on this occasion you have made a genuine mistake and that your files are now closed. Failure to respond favourably however, will result in me reporting this matter to Trading Standards, Office of Fair Trading, The Financial Crimes Branch of HM Treasury and any other authorities as I see fit.

 

Yours faithfully,

 

I have to say, this is a damn good letter, I will see how things go, hopefully it maynot coome to me having to use this, but you never know.

Watching this thread with anticipation.

My case with HFC is with the FO at the moment.

 

Wish you luck!!

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  • 3 weeks later...

Hi

 

received a letter from Robbers Way yesterday:

 

Saying their client is entitled to pass defaulted accounts to a DCA. They are satisfied that the documentation supplied (application form) satisfies the CCA requirements.

 

They are also sayng they will knock £1000 off the balance.

 

Any suggestions??,

 

Tracey

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To be honest i would ignore it and wait for the next DCA to come along.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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