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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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Welcome Hire Purchase - problem!

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Hi ,dont know if ive put this in the right place

Hi,can anybody help or advice please, we had a car on ph ,welcome finace did the hp ,as we need a car as we had just had a baby and the pram was to big for the old car .All was fine only missed one payment in the first 12 month due to the fact my wifes employer sent her p45 half way thorgh her manernity leave and had to find another job,my wife found a new job with me at the same company .All was fine untill aug/sept this year as we had no work and missed a payment and then in october we was told on the thursday we were finished on friday the next day.This is were the problems start ,we aplied for the insurance in the case my wife lost her job ,but there dont payout for the first 31 days so this put us more in arears.Welcome ask us if we could pay 75 amonth we couldnt afford some they offerd 35 amonth .In late november my wife found a temp job mim wage ,but after the cost off petrol to get there and back we are only 20 pound a week better off than claiming the doleIn december i wrote them a letter explaining this and offerd to pay 35 amonth as offerd earlyer till we are both back at work and sent them a cheque for 35 for december whiched they cashed .Then this week we recieve a letter that we have defaulted and they intend to take back the goods ,have 14 days to pay the arears

We have paid 26500 off 5100 ,we have diceded that they can take the car back if that helps ,would we still have to pay the rest

any advice welcome

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Guest suziedarkness

Hi Mistydog,


First thing first, with a usual hp contract, if you have paid at least one third of the agreement then the company can not take back the vehicle without a court order.


Saying that, can you please confirm the following to me


1) when was the hp agreement taken out and how long is the term

2) How much was the total agreement for and how much have you paid.


I know you probably mentioned this in your post but could you please confirm this information so you can be advised correctly.


As far as Welcome go, they are known for making all sorts of threats to make you pay up. DO NOT be afraid of them and DO NOT talk to them on the phone. They have a way of pressurising people into making payments they cannot afford to. Write to Welcome making them the offer of what you can afford and tell them that you will not deal with them in anyway other than in writing. Make sure you send all letters recorded so that you have proof that your letters are delivered. Welcome very conveniently have a habit of not receiving letters.


Do you have a copy of the original contract you signed?



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Hi, the hp agreement was taken out in novrmber 2006 *36 payments, the total amount was 50013.72 and we have paid 2681.85.

We are 799.89 in arears is includes letters they sent us @ 25.00 a time 3 call out fees when they called out to see us+100.00 for fone calls even though the last time i foned them they took my new fone number,but theses calls were to my old nimber.

As ive said they offerd us to pay 75 amonth ,we didnt agree so they offerd us 35 amonth .I sent them a letter saying i would pay 35 and sent them a cheque for that amount which they cashed.That to me says that they have accepted because they cashed the cheque bot two weeks latter we get without prejudice letter,if we can send the car back we would thanks

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hi mistydog

as you have paid more than a third they cant do a repo without a court order

if they do turn up, let them take it but dont give them the keys or anything else


if this happens you will get back every penny you have paid them

i helped out a cagger a few months ago on this

abd he got back eight grand


if you do give it back voluntry, welcome will come after the rest of the money

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Hi.i was told dont know if this is true,that if you have paid half and the good are in good condition you can send them back without owing anything .Need to find out if this is true,as the car is in better condition now than when we brought it thanks

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yes you can


its called a voluntry termination

only applies if no arrears are on the account

if you go down this route get it in writing that they accept the vt


seen to many threads where people have done a vt, only for a debt collector to come knocking later for the balance. guess what, welcome will class it as a repo and deny all knowledge of the vt


get it in writing

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Hi thanks for the information,i am in arears so dont know if we can go down that route ,but will write to them tomorow see what happens as ive paid half.Just makes you sick as ive gone everything they have asked ,told them my new number then get charged because they keep ringing the old number,they ask for 35 per month ,send cheque they cash it then the letter start again .

Is it true that if they agree to an amount and then take payment for that amount that they have accepted it any info please thanks

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