Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
    • I'm aware there are some grammatical and reference errors but the post expired before I could fix. I'd really like to know if I've made valid points or not. Thanks.
    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
wikichris

Isaac Anthony Manchester agency keeping deposit

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4010 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Evening all,

 

I'm currently fighting my own battle with a private landlord but this particular one concerns my girlfriend.

 

She moved out of an apartment on 31st May and the agency agreed in a fair time to return the full deposit.

 

Ever since then it's been a losing fight to get the deposit back.

 

The agency in question is Isaac Anthony of Manchester.

 

Legal threats just don't work. Visits in person just don't work. They have her money and she doesn't. It's that simple. If if you show them the ludicrousy of their (lack of) actions they just ignore.

 

It's now got to the point where I will go to Money Claim Online/N1 to claim my deposit+costs and am happy to pay the fee but what if they actually do pay it days after I submit it?

 

I don't want to lose my court fee.

 

The dispute service has told me it will take months for them to take action.

 

Any advice please?

 

MANY THANKS

Edited by wikichris
Spelling

Share this post


Link to post
Share on other sites

Was her rental agreement an AST (Assured Shorthold Tenancy) which commenced after April 2007?.

 

Was her annual rent more than £25,000 per year?

 

Was her deposit protected and was she notified within 14 days of the start of the tenancy of the details of where the deposit was protected?

 

Which dispute service are you talking about?


Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

Share this post


Link to post
Share on other sites

Landlord was an agency. It is an AST. Everything was done by the book until it came to actually receiving the cash back. The service is the Deposit Protection Service. Thanks

Share this post


Link to post
Share on other sites
Landlord was an agency.

 

Do you mean Agency is actually the owner of the property, or the Agent of the Landlord who owns the property?

 

It is an AST. Everything was done by the book until it came to actually receiving the cash back. The service is the Deposit Protection Service. Thanks

 

Then why is she not applying to the DPS for the return of her deposit? Has the Agent disputed its return and if so what excuse is given?

 

You can try the MCOL (Money Claim Online) route - it is not too expensive.


Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

Share this post


Link to post
Share on other sites

Hi. Thanks for your help. Please excuse my naiivity on this subject.

 

Perhaps I am confusing the issue by saying it was through an agency. Basically, it was a managed property by the agency and she never knew who the landlord was.

 

The DPS have told her it will take a very long time to chase them. Are they wrong?

 

Agency made NO disputes and agreed to pay the full sum but that was many weeks ago.

Share this post


Link to post
Share on other sites
Hi. Thanks for your help. Please excuse my naiivity on this subject.

 

Perhaps I am confusing the issue by saying it was through an agency. Basically, it was a managed property by the agency and she never knew who the landlord was.

 

That is nonsense. They must know who the LL is - that is who their customer is and who pays them!! The Agent works for the LL, not the Tenant. You actually have a legal right to request the LL's address.

 

If in any doubt, contact the Land Registry and find out who owns the property - this is not expensive and not difficult - but I think this Agent is playing you around!!!

 

The DPS have told her it will take a very long time to chase them. Are they wrong?
Chase who??

 

Agency made NO disputes and agreed to pay the full sum but that was many weeks ago.

 

Contact the DPS yourself. DPS 0870 707 1 707

 

Your girlfriend should have been notified of the details of the deposit protection at the beginning of her tenancy, and I think would have been given a personal reference number to apply for deposit's return. They will want to know the address, your girlfriend's name and probably the Agency name. You should find them really helpful, they normally are.

 

There is definitely something fishy going on here. Do not be fobbed off.


Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

Share this post


Link to post
Share on other sites

I'm a bit confused. If it is the Deposit Protection Service (DPS) then DPS should be holding the money.

 

At the end of the tenancy, both parties agree online to the division of the money by entering their individual passwords. Then DPS release it.

 

So who has the money?

 

If you need to sue anyone, you should sue the landlord. If the agent won't tell you who the landlord is (and since you've now moved out they don't have to) then sue the agent pointing out that they have refused to name the landlord (the landlord is an "undisclosed principal")

 

I am not a lawyer.

Share this post


Link to post
Share on other sites

Agency hold deposit.

Share this post


Link to post
Share on other sites

OK in that case it isn't Deposit Protection Service. It's one of the two insurance schemes: mydeposits or TDS (The Dispute Service).

Share this post


Link to post
Share on other sites

You have not responded to my queries. Doubt I can help further. Suggest you go for the MCOL - seems only option if money is not in DPS.


Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...