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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Need some advice re: Assured Shorthold Tenancy


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Hi,

 

I'm coming to the end of an Assurted Shorthold Tenancy that lasted six months, and I've given notice to my landlord that I will not be renewing my contract and I will be vacating the property at the end of the period.

 

The contract was signed in June and states it is for a fixed period of six months, although no end date has been stated in the contract. In the contract, there is no provision for the requirement of written notice to be required.

 

The letting agency have said that under the Housing Act of 1988 that I am required to give 30 days notice and as such, I will be liable for rent until the 30th day of notice. The notice was only given today in writing.

 

The letting agent has informed me that an AST automatically is a rolling tenancy to protect the landlord from having empty rooms in the property and losing out on money.

 

Since I'm not staying beyond the fixed term then why should I be liable for rent? I'm moving out on the date I've told them as I've arranged with my new landlord to move in and paid what's required to move in.

 

I was expecting that come the date of the end of the fixed term that I would be able to move out and not cause a problem. It is a shared house but individual contracts, ie no joint and several terms included in mine. Why is it my problem if the Landlord is losing money for having an empty room?

 

The notice I will have given will be ten days.

 

Any advice is greatly appreciated.

 

Thanks

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If you move out on or before the last day of the tenancy then you have to give no notice - you have a fixed term contract which has ended.

 

If you stay for 1 day longer then you have to give notice to the end of that rent period as it becomes a statutory periodic tenancy

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There are various Housing Acts that are relevant to ASTs, 2004 just happens to be the latest one. A new act doesnt necessarily supersede previous acts.

 

Housing Act 1988 is correct, this deals with, amongst other things, statutory periodic tenancies. Housing Act 2004, amongst other things, deals with Tenancy Deposit Schemes, but doesnt 'update' the 1988 act in terms of periodic tenancies etc.

 

The rest of what your agents have told you may or may not be correct. Its odd that the tenancy doesnt have an end date written but you can work this out yourself. The end date will be 6 months after the date the agreement began. If you go over that date by even 1 day, then as your agents have stated, a periodic (month on month) tenancy will begin. You are required to give one full calander month notice to end the tenancy, finishing on the same date of the month that the fixed term finished.

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Ah, thanks for clearing that up.

 

The start date was the 21st June and runs for six months, so that would take the end of the fixed term to the 21st December? I've worked on this as six instances of the 21st day in the following months, rather than 182.5 days which I assume is the correct way to do this? By doing this I informed in my notice that vacating the property over the weekend directly before the 21st.

 

That's correct?

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That date is fine for me to be out of the property on, although the Letting Agent only open half a day in the morning. It's unlikely I could move everything out of the house and be back in town to give them the keys by the time they close. Does that have an impact on things?

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