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    • 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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CAS/Equidebt fun'n'frolics


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Hi all

Just received a letter from Equidebt demanding payment in full for a debt I have been repaying to CAS. CAS have been in contact recently demanding a payment from me because they hadnt received a months repayment,rubbish, it still left my account and when i emailed them this and offered proof they said my bank had recalled it???as a gesture of good faith I sent them an extra payment(which has not been returned)again, the 'missing'payment still hasnt turned up in my account for over a month so ii think they got it!now this Equidebt letter has arrived demanding payment by 15 jan(fat chance! :p)anyone else face similar tactics?

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You should report them to your local TS.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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heres a draft of an email I'm thinking of sending

 

Dear Sir/Madam

Today,11/01/2010, I received a letter regarding a debt with MBNA.I already have a repayment scheme with a company called CAS about this debt. Is CAS part of Equidebt?If so why are you asking for payment in full when I already have a repayment agreement in place? According to my bank statements I have never missed a payment so I am confused by your demand for payment in full.Especially as I have been in contact with CAS by email regarding this debt and at no time did they inform that the debt had been passed on or that any of the details I have regarding the bank account for CAS I have been paying money into are incorrect. I will continue paying CAS until I receive written confirmation from them that this is no longer the case or you provide proof that Equidebt now owns this debt. Furthermore I demand all further contact between Equidebt and myself is by letter or email only.Any telephone calls to my home or place of work will be logged and a complaint will be made to OFCOM, OFT and other relevant bodies.

what do you guys think? any suggestions gratefully accepted! :)

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I wouldnt bother with emails-keep everything in writing (with copies) and proof of posting.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ah ha

 

CCA Search :: CCA Search Results

 

Search Results

 

 

Licence / Application / Validation Order NoLicensee / Applicant NameLicence StatusPPB Postcode 0334543Equidebt LimitedCurrentCV35 9GA 0590599Credit Ancillary Services LimitedCurrentKT6 4AG 0593506Sine Qua Non Services LimitedCurrentCV35 9GA

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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CCA Search :: CCA Search Results :: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0590599

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Credit Ancillary Services Limited4239825

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Credit Ancillary Services ECI ECI Highland Associates ECI Management Services ECI Revenue Receivables Management

 

Issued Date: 07-Oct-2006

Expiry Date: 06-Oct-2011

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Philip Albert Sutherland Wilding

 

Historic Individuals that run the organisation:

 

NamePosition Phillip MooreOFFICER Wesley MulliganOFFICER

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddress Correspondence67-69, Maple Road, SURBITON, Surrey, KT6 4AG, United Kingdom Principal Place Of Business67-69, Maple Road, SURBITON, Surrey, KT6 4AG Registered OfficeEquity House, Ettington Road, Wellesbourne, Warwickshire, CV35 9GA

 

Historic Address(es):

 

Address TypeAddress CorrespondenceSt Andrews House, St Andrews Road, Surbiton, Surrey, KT6 4LX Registered Office67-69, Maple Road, SURBITON, Surrey, KT6 4AG, United Kingdom

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You will see that the registered office is the same postcode as Equidebt.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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CCA Search :: CCA Search Results :: Licence Details

 

Application / Licence Details

 

 

 

Licence Number:0334543

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Equidebt Limited2686796

 

Categories:

 

Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Historic):

 

S.Q.N. Services

 

Issued Date: 02-Apr-1992

Expiry Date: 03-Nov-2012

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Philip Wilding

 

Historic Individuals that run the organisation:

 

NamePosition Jan Lawrence MosiewiczOFFICER Mr Alan George Stanley HirstOFFICER Mr Francis Anthony RounthwaiteOFFICER Philip Albert Sutherland Formb WildingOFFICER Phillip Moore Robert Paul ScottOFFICER Victoria Anne Formby SharmanOFFICER Wesley Joseph Mulligan

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddress CorrespondenceEquity House, Ettington Road, Wellesbourne, WARWICK, CV35 9GA, United Kingdom Principal Place Of BusinessEquity House, Ettington Road, Wellesbourne, Warwickshire, CV35 9GA Registered OfficeEquity House, Ettington Road, Wellesbourne, Warwickshire, CV35 9GA

 

Historic Address(es):

 

Address TypeAddress Correspondence6, The Firs, Lower Quinton, Stratford-Upon-Avon, Warwickshire, CV37 8TJ Principal Place Of Business27, Wellesbourne House, Walton Road, Wellesbourne, Warwickshire, CV35 9JB Principal Place Of Business27-29, Wellesbourne House, Walton Road, Wellesbourne, Warwickshire, CV35 5JB Principal Place Of Business27-29, Wellsbourne House, Walton Road, Wellesbourne, Warwickshire, CV35 5JB Registered Office20, Moorland Road, Burlem, Stoke-On-Trent, Shaffordshire, SR6 1DP Registered Office20, Moorland Road, Burslem, Stoke-On-Trent, Shaffordshire, SR6 1DP Registered Office20, Moorland Road, Burslem, Stoke-On-Trent, Shaffordshire, ST6 1DP Registered Office27, Wellesbourne House, Walton Road, Wellesbourne, Warwickshire, CV35 9JB

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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They are definitely breaching OFT guidelines on debt collection.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Additionally they are members of the Credit services Association;

 

60.jpg Equidebt Ltd

 

Services: Consumer Debt Collection, Business to Business Debt Collection, Court Action, International Collections, Debt Purchase, Consultancy, Advice, Training, Tracing, Other

Contact: Mr P Wilding

Email: [email protected]

Website: www.equidebt.co.uk

Telephone: 01789 472 172

Address: Equity House, Ettington Road, Wellesbourne, CV35 9GA

 

 

 

 

They are subscribed to the CSA code of practice and any breaches of that would render a breach under the 2008 regulations.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Codes & Standards

 

The CSA works for the benefit of those companies active in relation to unpaid credit accounts; debt recovery, tracing and allied professional services. As part of its function the CSA aims to promote best practice throughout the industry. The CSA has developed its Code of Practice which all members must adhere to.

This code is now the benchmark for Best Practice in the industry, assuring quality and professionalism in the services members provide.

Members should:

 

  • Conduct business lawfully
  • Conduct dealings with debtors in a fair and reasonable manner
  • Maintain a high standard of business practice
  • Compete in a fair and reasonable manner
  • Ensure all staff are provided with adequate training
  • Not discriminate
  • Protect the reputation of clients
  • Remit monies collected regularly to clients
  • Not knowingly misrepresent qualifications, experience and abilities
  • Handle debt cases in a fair and reasonable manner

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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If you go to your local TS -make sure you take all comms.

They will copy them and give you back originals.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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CAS are CSA members too.

 

Credit Ancillary Services Ltd t/a ECI

 

Services: Consumer Debt Collection, Business to Business Debt Collection, Court Action, Status Enquiries / Company Searches, International Collections, Debt Purchase, Outsourcing, Liquidation Book Debt Recovery, Tracing, Utility Debt Collection, Other

Contact: Mr I Sutehall

Email: [email protected]

Website: www.ecidebt.co.uk

Telephone: 020 8296 0500

Address: 67-69 Maple Road, , Surbiton, KT6 4AG

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Go get em;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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