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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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DCA advice please - HSBC


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Basically I have a HSBC credit card with about £11000 on it I havent actually paid anything on it in two years. I once sent them a cca request and got a blank form off them with no t&c's and a letter saying "cant find it but you would have signed this"

 

I then put the account into the hands of a company that was adamant it could have it written off they however are no longer taking any action on the account and reccomend I start paying it.

 

so far I have had letters from HSBC, MCS, DG Solicitors and now the Central Debt Recovery group. I have found out that they are all HSBC at the end of the day

 

The problem now is I dont know what to do part of me wants to continue to try to fight it and another says its time to give in and start trying to pay it as I guess they are eventually going to take me to court

 

Is this worth trying to fight or should I just roll over?

 

What would be the minimum they would take a month as my income is only £400 a month?

 

any help would be appreciated!

Thanks

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if they have not sent you a proper agreement and without seeing it I cant advise either way then there is nothing to repay.

 

if you could scan it up for people to check it out for you that would be great.

 

however if they have dragged their feet for 2 years chances are its not any use anyway

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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If that is all there is, then in my opinion it is far from short on what is required. When did you take the card out?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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laughable:D

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Par for the course, I would not be worrying about it, no much in the way of acceptable confirmation comes our way from way back when.

 

When was the last payment made on this account?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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looks like your quids in with that feeble attempt:D

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 2 weeks later...

Today I have recived a letter from the central debt recovery unit to confirm that they will be calling me on a date and time this week it doesnt make it clear if they mean by telephone or a personal visit.

 

It says that if I do not widh them to call to call them of either of the above numbers one of which is a mobile number

 

I think this is just a scare tactic?

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if they phone dont answer any security question, then hang up

 

if someone turns up at your door you only need 2 words foof off , and if the wont leave tell them you are calling the police and shut the door

 

they have no legal rights whatsoever

 

there is plenty of info on the forum of letters you can send about no phone calls , visits and everything writting etc

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dont phone em they just want your telephone number to start the threat cycle

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 2 months later...

Hi all I have recived a letter from wescot today for the outstanding balance on thier clients behalf

 

Does this mean that hsbc have now sold the debt to them? or are they just acting for them?

 

Should I send them a CCA request?

 

Thanks

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If it says clients behalf then they are acting for HSBC.

 

I think now you need to start again and do things in the right order, first the CCA request http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If and when they send back the same garbage as they sent originally then send the account in dispute letter http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

You need to keep a proper record of all letters sent and received

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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When you actually let them know in writing that you consider the account in dispute and the reason why, then they will maybe stop hassling you.

As far as they are concerned they have satisfied your CCA request.

If you want to legally withhold payment on this account then you need to do things properly.

Otherwise it will be looked upon by the courts as debt avoidance if it ever gets that far.

Edited by Hardupnotfedup
grammar spelling

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I've just read the whole thread and must say the OP has done things right:

1, CCA request, this was a joke

2, letter putting account in dispute with stated reasons

so having done 1 & 2 you move onto 3:

3, IGNORE THEM

At best I'd send the "bemused" letter

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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I've just read the whole thread and must say the OP has done things right:

1, CCA request, this was a joke

2, letter putting account in dispute with stated reasons

so having done 1 & 2 you move onto 3:

3, IGNORE THEM

At best I'd send the "bemused" letter

 

From what the OP has written he put the CCA into a companies hands who promised to write off the debt the company did nothing as we all know they do and told him to pay the debt, although I maybe wrong the OP has never officially put the account into dispute by letter, so I am advising him to do thjat once he treceives that toilet paper again from the DCA.

Suedes you have to do what you think is right but the DCA are not mind readers they need to be told the account is in dispute.

The bemused letter is all well and good if the OC knows the account is in dispute, as far as they are concerned the debt is being avoided.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi folks just to clear up I orginally cca'd hsbc who came up with what can you see, then my health took a turn for the worse and I put it into the useless hands of a comapny who sent them the account in dispute letter.

 

I guess I will have to start again with westcot now

 

Thanks all

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Morning everyone

 

I sent A CCA request off to westcot with a postal order made out to them, they have written back saying;

 

we are not the creditor for this account but instructed on behalf of the above slient. In the circustances we are returning your postal order which was made payable to wescot credit serices as needs to be made payable to metropolitian collection services. You can either send your request direct to our client or resend it to us and we will forward it to them.

 

Is this true? do I need to get in touch with mcs or should wescot supply one as well?

 

Thanks

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Morning everyone

 

I sent A CCA request off to westcot with a postal order made out to them, they have written back saying;

 

we are not the creditor for this account but instructed on behalf of the above slient. In the circustances we are returning your postal order which was made payable to wescot credit serices as needs to be made payable to metropolitian collection services. You can either send your request direct to our client or resend it to us and we will forward it to them.

 

Is this true? do I need to get in touch with mcs or should wescot supply one as well?

 

Thanks

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