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    • Hi    Thanks for your response to my questions.   1. You say they are Lodgers is this correct? (are you sure you don't mean 'Tenant')   2. What type of Tenancy Agreement do they have?   3. Rubbish/Garden Maintenance - This is the Tenant responsibility and should be in the Tenancy Agreement and your Letting Agency should be enforcing this with said Tenant by writing to them and informing them to remove the rubbish and maintain the Garden. If you then need to do this you will need to inform the Tenants giving them notice that if Rubbish not removed and Garden maintain and you need to employ somone to do this this will be taken from there Tenancy Deposit make sure you do this and keep a record of this.   Tenancy deposit protection - GOV.UK WWW.GOV.UK Tenant's guide to deposit protection schemes - your deposit, information landlords must provide, disputes and advice   4. You mention Lodger Bond Money. (Again I hope you mean 'Tenant', Bond Money I also hope you mean their Deposit is protected in a Tenancy Deposit Scheme and the tenants were given a copy of the prescribed terms of that scheme as is legally required)   5. If this is England I also hope the Tenants were given a copy of the How to Rent Booklet.   How to rent - GOV.UK WWW.GOV.UK This guide is for people who are looking for a house or flat to rent.   Reference your post#5   6. The Letting Agency cannot refuse to provide you with a copy of the Tenancy Agreement signed due to GDPR as you are the Landlord that has employed them to provide a service and you are required to have copies of this Tenancy Agreement especially for any Breaches of that Tenancy Agreement you need to know what that Agreement states to take action against those Tenants.   I would therefore challenge that Letting Agency and not ask but Demand a Copy of that Tenancy Agreement as you are the Landlord not them and are legally required to have a copy of that Agreement and if they insist no due to GDPR then you ask them to provide you with the evidence of which Article and section of the GDPR they are relying on to refuse the Landlords legal request for a copy of this Tenancy Agreement.   Table of contents EU General Data Protection Regulation (EU-GDPR). Privacy/Privazy according to plan. WWW.PRIVACY-REGULATION.EU Easy readable text of EU GDPR with many hyperlinks.   7. Do you actually have a copy of the Agreement that you signed with this Letting Agency? (not tenancy agreement your own personal agreement with the letting agency)     Sorry if this sounds a bit blunt but your Daughter need to stop being nice with this Letting Agency and remember they are working for your Daughter not the other way about and your Daughter is paying them for that Service so basically  your Daughter (The Landlord) has employed the Services of this Letting Agency to provide a Service to look after and Maintain the Landlords Property by entering into a Legal Agreement paid for by your Daughter (The Landlord).   Please Name this Letting Agency?    
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Amex again


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In February 2007 Amex cancelled my account, following a faulty Default Notice. When I sent them a SAR, they sent me copy statements up to February 2007, which was fine, because that was when they cancelled it.


They have recently sold it to a DCA, and I requested a copy of my agreement, and a breakdown of the amount stated - because there seems to be extra charges added. They have sent me the copy statements again, only this time they continue until June 2007, with interest added each month. These interest charges amount to the extra added.


My questions are why did Amex withold those last four statements, and how can they continue to charge interest on an account already terminated?



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Hello Alan!


My questions are why did Amex withold those last four statements, and how can they continue to charge interest on an account already terminated?


The short answer is they have made an administrative cock-up, and someone forgot to click the off switch after they Terminated your Agreement.


Keep that to yourself for now, because if you are not planning on paying them any time soon, then this will just make them look stupid later if they base any Claim on an amount that contained Contractual Interest after a Regulated Agreement had been Terminated.


No live Regulated Agreement, then they have no right to charge Interest on that Regulated Agreement.


Tell them if you wish, or don't, but at least you know they have already blasted a few of their own toes off, even if they missed the actual foot itself!




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