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    • look up on land registry who owns the property then get in contact with your local environmental heath dept.   dx  
    • Hello all,   I have recently moved into a new property. The bedroom window is facing a bunch of commercial crates which have trash on top of them. The trash is maybe two metres away from the window, making it impossible for the window to be open (I am also afraid of rats being there).   The other windows of the property are facing a communal, enclosed area, which is making it difficult for the property to be properly ventilated. I have already raised this issue with my estate agency and they are trying do to something about it (to be honest, if I leave everything to them, this issue won't be solved until my tenancy is finished, and that is more than one year away).   I am asking for advice, or how could I approach this issue.   I have spoken to my council and, since they do not deal in private property, there is nothing they can do, at least this is what they have told me.   The property with the trash is not owned by my landlord. It is an open space, with big crates, closed off by a fence. If I could, I would climb those crates and remove the trash myself but I cannot. I also cannot climb out the window to reach the trash, as the window is too small.   At times, I see a car in that property but I have never seen the driver. I left a note in the car's window explaining the issue and giving my number. This was around a week ago and nobody came back to me.   
    • Hi   First off ALL Tenants need to re report all the different repairs again via their repairs procedure. Yes its good to get a list of all properties repairs with photo/video evidence signed by all property tenants but you all need to fight this individually as well as a group.   Next you all need to look up your rights on Repair i.e. The Right to Repair Scheme and also their Complaints Procedure.   http://www.legislation.gov.uk/uksi/1994/133/made   https://england.shelter.org.uk/housing_advice/repairs/right_to_repair_for_council_tenants   All Tenants need to take control back with these repair and ask in writing titling any letter 'FORMAL COMPLAINT' and stating the repair and why it hasn't been carried out to date and an exact date when it will be completed.   You also require clarification whether these Repairs come under the Right to Repair Scheme and if so why we were never informed of this. (delete or amend)   You also require copies of the following:   Right to Repair Scheme Policy (Not the Leaflet Repair and Maintenance Policy (Not the Leaflet) Solar Panel Policy (Not the Leaflet) Complaints Policy (Not the Leaflet) Equality & Diversity Policy (Not the Leaflet) When you get the above policies you need to take your time reading them and just think to yourself 'DID THEY DO THAT' in relation to your issue and if not mark it this way you build a list of what they haven't done/followed as per there own Policies and use it against them.   They will have time limits to complete repairs within for Emergency, Urgent, Routine repairs and if they exceed that time limit and need to extend it remember it is with you the tenants agreement not them telling you and tough you can wait.   (bear in mind any repairs during COVID-19 the time limits are now different and most routine repairs are stopped)  
    • I was on UC in late March, and recently received some quite non-committal message that the commitments would be returning, but no indication when.     If I remember correctly the expectation was that we could find at least one job per day to which to apply, or some such nonsense.   Given that the government can only guess how many workplaces will be safe :  1) to commute to/from at the time of job application; 2) to work in at the time of job application;    3) to commute to/from at the date of starting a job ; 4) to work in at the date of starting a job,  5) to commute to/from at the date permanent WFH is dropped; 6) to work in at the date permanent WFH is dropped,    and given that we have lost 20% of our economy, I fail to see how they can both reasonably and immediately mandate any minimum figure of jobs we must apply for whilst this virus just killed over 135 people in the UK (stats released today).  That is only down from 155 last week, and about 175 a fortnight back.   At this rate it will be another 7 weeks MINIMUM before the mortality rate is zero - if it ever reaches zero before the inevitable second wave.  
    • who has sent this 'letter of claim' come from and doe sit mention the pre action protocol and include a separate response pack? 
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    • 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.
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      No excuse.
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noogie

Can I ask a stupid question please

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When a creditor sells a debt and you have paid the dca but suddenly find this site and realise the Credit agreement may not be enforcable can you ask the original creditor for a copy of the agreement, do you ask the new purchaser ? do you have the same rights .

 

I feel dull asking but need to know

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yep you have exactly the same rights you ask for the credit agreement if they cannot supply then they have no legal way of enforcing payment

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Hiya Noogie,

 

You have the same rights to see any docs, as it has been sold to a DCA you send them the request as they have brought the debt its down to them to produce it even if that means they do not have it.


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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citi financial have just replied since Feb 13th 2009 to say that as the have sold the account they are under no obligation to provide this. We seem to be hitting a brick wall and thanks for your reply XX

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If Citi Financial is the original creditor this is why you have to request the docs from the DCA.

 

The sooner you do that the sooner you can dispute the account.

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Thanks to everyone that has replied. You will be seeing numerous threads from me for different things. I have major financial problems, had charges put against my home which will be going back to court to get removed so I have let it get me down.

NO MORE though decided to drag my boots up and face head on I am fed up of being taken for a ride. Will defend my honour from now on so look out for the individual threads and all help really appreciated from all my new found friends. And yes when I get some money I will subscribe.

(P.S Sorry but there will be about 18 threads due to failed business) so be gentle with me. Some of the stories are unbelievable)

 

XX

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hi you will get a lot off support and good advice from the good people off this site because i have good luck:)

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Citifinancial have been unable to provide enforceable agreements for credit cards they have been printing off terms and conditions and telling folks that this complies. If its a loan its strange they did have an enforceable agreement for me but I was in dispute with them and they then sold the debt but didn't pass on the agreement. So far the DCA have been unable to collect from me and this was 18 months ago.

 

Good luck with your battles.

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Thanks to everyone that has replied. You will be seeing numerous threads from me for different things. I have major financial problems, had charges put against my home which will be going back to court to get removed so I have let it get me down.

NO MORE though decided to drag my boots up and face head on I am fed up of being taken for a ride. Will defend my honour from now on so look out for the individual threads and all help really appreciated from all my new found friends. And yes when I get some money I will subscribe.

(P.S Sorry but there will be about 18 threads due to failed business) so be gentle with me. Some of the stories are unbelievable)

 

XX

 

if you can afford around 90 quid for a truecall (through this site) trust me it will make life so much more bearable as you take on these people

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