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    • So sorry it's took me a few weeks to respond back to you. Thank you so much for your response. My grandfather is clear about the pension deductions on his pay slips.  As I mention before all these went missing in the burgarly. We have tried Willis Tower Watson but they were not to helpful. I am stuck what we can try next. Thank you again.     
    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
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hi all excellent site


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well hello all, what an excellent site! i found my way here via the gmtv web site on money matters and im so glad i did.

 

im about to start my claim with the hsbc and will send my letter recorded to my local branch addresses to the manager there, hope i am as lucky as the rest of you regarding a fast response i know ive paid at least £2000 charges in the last 18 months so itll be nice to see some of that again huh.

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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took your advice and checked all statements on line, i found the interest on overdraft confusing though so i just tallyed my total charges only and came to a nice figure of 2k! so .. thanks for saving me some time! ive entered the dates and charges onto the excel spreadsheat gonna print it off as soon as i get back into work on moday.

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Good luck, I had my first small claim with HSBC paid today!! :) So I can tell you this DOES work, any questions just ask

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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thanks for that cant wait till monday now to send it! should take 14 days then as i understand for them to come back to me (or not) then i goto the money claim site yea?

 

cheers

 

matt

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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sent my prelim letter yesterday recorded delivery along with a breakdown of charges so.. start the clock 14 days from today then eh? feeling better already;)

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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good luck to you too! though sounds as though its in the bag eh? who will settle first lets race?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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getting excited quietly, prelim letter sent and signed for on 17/8/06

 

no reply as yet.

 

undterred! let em sweat:D

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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yea for a pound it was worth it! id have gone with recorded delivery, hope we hear something soon, did u use the canada square addy or local branch?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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what laptop are u going for? lemme know i may want to buy your old one!!

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Hi, I sent my letter to Colin Langdale in Leeds - that seems to be where most people get a response but still nothing yet! Make sure the next one goes recorded I think. Probably get a Dell laptop but using an old pc at the mo........sooooooo slow! Any news for you yet?

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nah no news so far just gonna work out when i need to send the lba:D

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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lba all typed out, gonna post it on monday recorded delivery including my breakdown of costs (which has gone up £125) so watch this space HSBC!

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Letter before action posted today along with a breakdown of my costs again plus interest recoreded delivery. still no word from the HSBC though - using head of customer relations as contact canada sq address, anyone else using this guy think its a MR D.Lewis

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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received an offer this morning in the post for £1700 which is not too far short of my total £2200 with interest 2450 so what should i do do you think? accept as part payment? if so how long do they take to pay? or accept as is - same questino how long till they pay up?

 

cheers

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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typed my letter today stating that i accept only as part payment thier offer and that i will be persuing the full amount via the courts thanks very much for the confidence to this gained only by others on this site posting their progress and messages of encouragement!

when i win i will be donating also

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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how did you do that ken?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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