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    • Thanks Dave, that all sounds clear to me. In terms of avoiding PCNs, I'm not sure if I can. I need to be able to park in that spot, especially as I've got kids to lug forth and back for the school run. Likewise it's not always possible to use the MA's permit system either, as I've not always got them to hand. So, if I'm actively avoiding PCNs, then it could mean I've given in to their idiotic rules. But, I do get what you're saying, as I imagine the risks go up if they claim there are multiple PCNs to be paid at court. Not sure what to do with this one.
    • Is it possible you could qualify for a DRO (Debt Relief Order) and ditch the IVA ? https://debtcamel.co.uk/end-iva-change-to-dro/  
    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
    • Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company.
    • The relevant notes with regards to Reconstituted versions of an agreement if you wish to rely on an exhibit. Waksman Reconstituted Agreements.pdf
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      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I left my property in the August of 2007 due to moving to Solihull to be closer to family (her mother to be exact, still not sure why but there you go). And the LL held on to the deposit, I tried unsuccessfully to get it back but due to a variety of cash problems, life problems and other things that got in the way. I have now beaten the CC companies with a big stick and also claimed back all forms of PPI and the wife and I are now in a different place. So I have a few questions about this matter.

 

Has it been too long to take the matter up again (it was August 2007), and also do I send the letter found below.

 

My intention was to bang of that letter, and await response and failing any reasonable response start court action?

 

The only difficulties i can see is that i lack any pictures or information, i can get a friend to testify as it were as we cleaned up the propetry after our goods were gone and before we handed it back, but i just want to try and get something back!

 

Does that sound about right?

 

Van

Edited by Vanderpelt
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Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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I am writing to you concerning my tenancy of the premises at XXXX and leaving the property in August 2007.

 

I request that you return my deposit of £550.00, as the premises were left clean and in good repair when the tenancy ended. Allowing for fair wear and tear, the premises were left in the same condition as they were in at the beginning of the tenancy.

 

The deposit must not be regarded as extra rent, nor to be used to improve the condition of the property.

 

Any amount deducted from it must be equivalent to the amount needed to replace “like with like”. For example, if the carpet was worn at the start of the tenancy, you cannot retain the amount that would pay for a brand new carpet.

 

You cannot deduct the replacement value of any item, even if it was brand new at the start of the tenancy, as this would be "betterment". You can only deduct from the deposit a percentage of the item's value, based on (a) its on condition at the start of the tenancy (which you must prove using the inventory from the start of the tenancy), and (b) the expected life of the item.

 

Nor can you make deductions from the deposit for general “wear and tear”. The tenant is only liable for damage that creates extra cost; the deposit is not there to provide a redecoration fund. You must redecorate at your own expense.

 

You must in any event prepare a dilapidation schedule, and you must have the relevant tradesmen give a written quotation (not an estimate) for each item of cost that you include in it.

 

I request that you give me receipts or invoices for work carried out, or quotations for work yet to be done.

 

The onus is on you to prove that there are circumstances justifying the retention of any part of the deposit, and to date you have not provided any such evidence.

 

I will therefore be in a position to demonstrate that it is unreasonable for you to keep any part of the deposit, should you be unable to produce the requested evidence and matters proceed to court.

 

You must remember that the deposit is my money. You must account for it properly. It is a common misconception that the deposit belongs to the landlord, but that is not the case and withholding it without proper grounds is unlawful.

 

I require your reply to arrive no later than 14 days after the date of this letter, together with your cheque for any amount not in dispute. If I receive no satisfactory reply by then, I will begin a county court action for recovery of my deposit without further warning.

 

The Court can order you to pay back the deposit, and the proceedings are very straightforward. Also, the Courts are very sympathetic to tenants whose landlords do not fulfil their statutory obligations.

 

I look forward to hearing from you within 14 days.

 

Yours faithfully,

 

 

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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It's a good clear letter and should put the landlord on the alert.

 

One thing you might consider is that the landlord may not have been the landlord on paper. It is a common practice of the less scrupulous landlords who give others a bad name, to hold 'suspect' properties in a company name where they are director or shareholder.

 

It would be worth digging out the exact law and just include it as a reference or footnote.

 

Any other Caggers to action...

 

Find something to enjoy every day.

 

[20190624]

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The name of the business does not possess any Ltd, and nor do any of the leases, there is a same name with people on Co House, but it has been dissolved and to be honest i dont think that they could claim that it was the ltd company as none of thier paperwork did

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Bumb

 

any other thoughts before i post this off and see what happens?

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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  • 3 weeks later...

sent the letter and had no responce, so straight on to court or another shirty letter?

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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  • 1 month later...

My ex LL has not responded to the letter, and i am at a loss as to if to take court action or not. I was hoping for something to confirm that i was writing to the right place (i am 90% certain, but always dealt with agents and they have closed shop now). Should i send a more formal LBA and see if that works?

 

thanks

Vanderpelt Vs Monument "won" (5 mins before court)

Vanderpelt Vs B'Card WON

Vanderpelt Vs Natwest WON

Vanderpelt Vs Cap 1 WON

Vanderpelt Mrs Vs B'Card WON

Vanderpelt Mrs Vs Marbles WON

Vanderpelt Mrs Vs Cap 1 WON

Vanderpelt Vs HFC (2 PPI, both WON)

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Did you write to the letter on the tenancy agreement? If so, send the LBA, but make sure you send it recorded or special delivery so that you get a signature. If nothing else, that will tell you if they are still there.

fix (vb.):

1. to paper over, obscure, hide from public view;

2. to work around, in a way that produces unintended consequences that are worse than the original problem.

Usage: "Vista fixes many of the shortcomings of Windows XP".

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