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    • Same issues as - also spent ££ to have mechanical failures fixed will have a read
    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies
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Hi all I'm having probs with my deposit.


The LL is saying they had to spend £1000 on the house. This seems far too high.


So I have the following questions and would appreciate some help.


1. Do the company who did the inventory have to come back to do the leaving assessment? We thought this would happen but they are saying this is not the case.


2. As our checkout day was a Sunday the letting agents could not meet us at the property, so they told us to leave the keys. The Landlord lives locally and could have meet us there I'm sure. So does anyone have a duty to do a change over?


3. Some of the problems in the house that we are being charged for were reported in the 6 monthly inspection i.e damp caused by a blocked gutter that was never cleared. So I'm I entitled to a copy of these reports? The letting agent wasn't sure and he certain made it clear he didn't want me to have them.


4. We only heard that this work was being done after I called up to see what was happening to the deposit (3 weeks post tenancy end). I asked why I was not informed preciously, that all of this work was being done. The letting agent said there was no duty to inform me.


5. Does the LL have a duty to get quotes for the work done?


6. A payment has also come out of our account for rent since we vacated. I know we should have cancelled the Direct Debt (bangs head). However, should they have stopped the DD their end?


We are very upset that this has all happened. It was difficult enough having to move so the LL could sell the house and now all this :(


Help would be so appreciated.

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In regards to your deposit, can you confirm when your tenancy started, and when it ended please? Tenancy agreements that started, or were renewed, after April 07, are subject to deposit protection laws. This means it should be protected in one of 3 government schemes. These schemes have a dispute service so that a LL/agent cant take unfair deductions from a tenants deposit.


Your DD for the rent, so long as it is a DD, and not a standing order, can be recalled by your bank. Ask them to raise and indemnity claim stating that it should have been cancelled and that it is an overpayment. It may take a couple of days but they should then return the money back to your account without you having to argue with the agents.

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Many Thanks for the reply. The Tenancy started after Apr 07. And I have checked it is in a deposit scheme.


I thought that the inventory people protect the deposit and carry out the inspections to see if you get it back? Is this right?

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It is always ultimately up to the LL to make sure the deposit is protected, occasionally it will be written into the contract with the letting agent, that the agent protects it on their behalf.The company who does the inspections wouldn't normally have anything to do with this.


If you know which scheme your deposit is with then be sure to raise up a dispute, but before doing so ask for certain details from the agent.

You are entitled to a list of all the deductions due to be made from your deposit, this should be a full breakdown of exactly where each penny is going. This will help you form your dispute, however you have mentioned that there was some damp from blocked gutters. Be sure to check your tenancy agreement regarding this, as most say that its up to the tenant to keep all drains and gutters clear.

The LL doesn't have to get quotes, they can accept the first quote that is given to them, however that doesn't mean the cost can be unreasonable. If you were to get quotes for the same job, and they differed by an unreasonable amount then you can definitely challenge the charge.

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