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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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Press release


Tuesday 3rd August, 2010


With over 250,000 young people this year embarking on gap year travel, students and their parents are warned to check for small print in travel insurance policies following an important ruling by the Financial Ombudsman. The travel insurance provider for Boots, AIG/Chartis, has been found guilty of not drawing "an onerous or significant policy term to the attention of the insured at the time of purchase" and ordered to refund £26,000 to their customer.


On a gap year trip James Pinnington, then aged 19, fell off whilst riding a scooter/moped in Vietnam in 2008 injuring himself badly and needed to be brought back to the UK by air ambulance for intensive care. Boots' gap year policy wording stated: "...whether you're planning to hang out in Chile, back pack in the outback...you'll be able to relax knowing that you've got comprehensive cover... should the unthinkable happen". However Boots' insurers used a clause in the 50 pages of small print of the policy to refuse the claim which stated that James needed to have a "UK Class A motorcycle licence" to be covered for riding any kind of moped/scooter.


With his son in agony, James's father had to immediately fly out to Vietnam and arrange himself for his son to be repatriated. Boots suggested that he personally pay their specialist repatriation company, who quoted £80,000, but he instead was able to find an Asian air ambulance company to help at a total cost of £25,000.


Following representations from the family, the Financial Services Ombudsman, took 18 months to reach a decision in James's favour and has ordered the insurers to pay the claim, amounting to £26,000. The Financial Services Authority is also currently investigating whether these insurance contracts breach the new Consumer Protection from Unfair Trading Regulations.


Commenting James's father Chris Pinnington says, "I am delighted that the Financial Ombudsman has found in our favour and hope that our worrying experience will serve as a timely warning to other parents and young people planning their gap year travel. I also hope it will send a serious a message to the insurance sector as a whole regarding small print exclusion clauses.


"I was lucky that I had contacts in Vietnam to help me arrange repatriation and that I could find the funds to pay within a week, but dread to think what would have happened had I been unable rapidly to raise the £25,000 for the air ambulance with James left in a village hospital in the middle of Vietnam.


"Scooters/mopeds are the way people get around in countries like Vietnam and most parents believe that their gap year insurance policy will cover their kids if they are injured. I am urging the insurance industry as a whole to make it absolutely clear to all gap year policy holders whether they would be covered in such situations."


James was operated on in England and, after a week in intensive care, managed to walk within three months and is now a student at Bristol University, back to normal health.

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