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    • Thank you so much for your replies.   Yes, I have text messages from the tenant acknowledging all the visits made by the professionals (handyman + double glazing maintenance person + 4 different plumbers)   4th plumber visited the property 4 different times and on three of those occasions found the boiler turned off. The tenant claimed she didn't know anything about it and said it must have been the other tenant who did that.    I have an email from the plumber detailing each visit and he's happy to be contacted by the solicitors if need be.    The tenant claims she didn't have hot water for 10 weeks but the plumber says the hot water was always working. His letter says, with the tank having a 210L water content, it was obvious that demand was greater than supply capacity.  The plumber is convinced that there's never been anything wrong with the hot water. His opinion was further verified after his discussion with the tenant's grandfather (who was present during his last visit) and being informed that the tenant had showered at his property the night before (spent roughly 20 minutes in the shower). Just to be able to say we've done something, the plumber replaced the two working standard stats with high level stats to allow the tank to regenerate quicker. He says this is not ideal as the high level stats will cause the tank to scale at a much quicker rate and will ultimately cause the tank to fail and need replacing as the scale can not be removed. He's done this just so the water heats quicker even after 20 minute showers.  (The tenant says this has solved the problem and that they have water left after they take a shower)   Both tenants are named on the agreement. I'll ask the Estate agent about the signed documents from the original guarantors but I'm certain that we have them. Everything was done according to books.   There's literally no mention of a Vacating Sharer in the agreement. It's a 12 month fixed term contract with both names on it. We're on month 6 now.   I really don't want to keep this tenant for another 6 months but the estate agent is saying that we have no choice but to accept the "vacating sharer" agreement even though "she will have a guarantor as her references do not meet criteria"   Do I have a right to object or is the estate agent telling the truth?   Thanks again!        
    • I leave you guess how the second pair of the same boots have done, the sole and the upper have torn apart in two separate places on the same boot, about an inch in each instance, i was going to let this slide but two pair on the trot is too much.   Two pairs and we're barely half way through the season, and the astro boots only see half the games.
    • Donation made Now on to my ongoing tussle with BT/Lowell , read elsewhere   Rod
    • Make the most of using this website as we'll all be debtors prisons soon as we cant afford to live in Tory Britain 
    • Must be one or the other parking was free  so their evidence of the  written ticket ticket contradicts the reason for the Charge in their RobOclaim POC, hopefully EB will be in later with an opinion.
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rainbow moon

RBS (Triton) playing games - really fed up with the pair of them

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I have a loan and an overdraft debt with RBS, I sent a letter to RBS when things started going wrong and they seemed understanding and put the interest and charges on hold. They asked for an income/exp form after I explained I could only make a token payment of £5 per monhth for the time being, I did send one thinking if they are going to play ball I have no problem showing them how little I have coming in at the time. After not hearing back from them, I sent another letter asking for payment details so I could set up a standing order and enclosed a cheque as the first months payment, still no reply from Rbs but the cheque was cashed.

 

I then received a letter from Triton, collecting on behalf of RBS and the whole thing started again, they wanted all the income details and to know how I was going to pay all the amount, yet again I sent off the same info with a reuqest to send me bank details so I could continue paying. I got a letter back saying they could not consider the token payment as no I/E form had been sent with the letter - it definately had. After getting advice on here I sent off a cca request to triton and a sar to RBS.

 

Yesterday I have received back the cca request from Triton stating they cannot provide the information as my signature does not match the one they hold on file, they have sent back everything, the cheque, cca application and my recorded delivery envelope. They want me to take id into my local bank before they can action but they also state that they cannot send out information for the many previous loan accounts I had with them if I don't have the account numbers - I do not have any paperwork so cannot provide them.

 

A coupld of days ago, my son took a phone message from a company called Apex who told him that my accounts had been transferred to them - at the time I had no idea which accounts as they didn't tell him that bit but I was angry that they had said anything to him, as I was out he took their number and said I would phone when I got back that night, they then continued to phone back every twenty minutes or so throughout the day - he ignored the calls and I didn't ring them just barred their number.

 

Today, I have two letters arrive from Apex who claim that they are dealing with the accounts on behalf of RBS, they want the full amount and a reply within 5 days. I have not heard anything back from RBS yet re the sar but no doubt will get the same response that I received from Triton.

 

Does anyone know what I should do next? I am annoyed that I have to pay again for the postage etc to get the details but even more annoyed they seem to be stringing me along. Sorry for the long post. Rainbow x

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Send Apex this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute & this;

 

Dear Sir or Madam

 

Harassment by telephone

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only. [if you Want Them to]

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully, **Print name do not sign**


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Did you sign you SAR or covering letter? As a rule, don't do this, you'll find that it ends up on some CCA that they've cobbled together.

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Thank you cerberusalert for the letter, will send that straight away. I have blocked their phone number so all quiet at the minute. Is the account classed as being in dispute since they have sent all the request back to me and do I have to send again or just put it in dispute from the date they originally got the request?

Bladeboy I did sign the letter but not in my usual signature which is where they are questioning the true signature bit I think.

Thank you both for your replies. Rainbow x

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Update on this saga, Apex have been back in touch by letter after I told them that these accounts were in dispute with RBS/Triton, They state they have been informed that RBS still want them to collect and if I don't respond with a payment plan within the next three days they are threatening court action. I have not heard back from RBS re the sar - they still are within the time limit, but they did return all my cca request stuff without acting on it. Not sure what to do with this now. Thanks for any replies Rainbow x

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Hi Cerbs, I have already sent that letter to them, their reply (Apex) is that they have asked RBS what is to happen next and according to Apex, RBS have told them to carry on persuing the debt. Rainbow x

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Send Apex the CCA request in that case, let's see what their excuse is going to be before you fire off complaints to Trading Standards, the OFT & the ICO.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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