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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Hey there,

 

I moved into a property in December and through one problem or another the contracts have never been signed.

 

I stated to the landlord I would have to move out yesterday and gave a months notice.

 

She said she would be keeping my deposit however if there is no contract signed how can this be possible? It looks as if the rent has been paid month by month via cash so surely if I was to take her to a small claims court I could get my deposit back? It should have been up to her to make sure the contracts were signed before having me move in?

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I would, first of all ask if the deposits had been placed in a protecion scheme (which I doubt)

 

If they have not then I would remind the landlady that you would be within your rights to pursue her for the full return of the deposit + 3xs the deposit as she had not lodged it with a deposit protection scheme.

 

She may well change her mind.

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Hey there,

 

I moved into a property in December and through one problem or another the contracts have never been signed.

 

I stated to the landlord I would have to move out yesterday and gave a months notice.

 

She said she would be keeping my deposit however if there is no contract signed how can this be possible? It looks as if the rent has been paid month by month via cash so surely if I was to take her to a small claims court I could get my deposit back? It should have been up to her to make sure the contracts were signed before having me move in?

 

You do have a contract, it makes no differences that it hasnt been signed. You are bound by the terms of the tenancy you have. If the contract says its for 6/9/12 months then thats how long its for any if you move before then you will be liable for rent up until the end of the contract. If you dont pay, then this will come out of your depsoit.

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if you were given a contract - whether you signed or not, you moved into the house and therefore by virtue of your actions you accepted the contract.

 

You did not say you had been given contracts, only that contracts had not been signed.

 

The issue regarding the deposit and whether it was protected is still valid though

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I am confused...

 

She gave us a contract we didnt sign... how would that make us liable to be bound to it????

 

who is correct here? flyindoc or planner?

 

As flyingdoc says, the fact that you have (a ) paid a deposit, (b ) moved into the property and (c ) paid rent (I assume!) means that you have accepted a contract. As you have been given a contract which for whatever reasons hasnt been subsequently signed, the fact of a, b & c above means you have accepted the contracts contents, unless you can show you had some other arrangement other than the contracts contents in place with the LL.

 

Failing my last sentance above, you are bound by the terms and length of that contract. The landlord is suggesting they will keep your deposit in order for you to break the contract? this seems quite reasonable and will save you having to pay another 3 months? of rent. Make sure you get it in writing that forfit of the deposit means you can leave early without any further obligations and rent payments to the LL/property.

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By the way, mine and flyingdocs answers make the assumption the property is in England/Wales.

 

Reading back through previous threads of yours (for which there seems to be a 'how do I get out of paying this/its someone elses fault' theme), you mention both N.I. and Scotland, both of which have different tenancy laws to England/Wales.

Edited by Planner
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