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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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Yesterday I had my usual bank statements through for the last month, and on the very last page I came across a sheet "Notifying me of Charges".

 

So on looking at the "charges" it states that it is for a 'Returned S/O Chg £20'

I looked through the previous months S/O's all of which leave my account in the first two days of the month and absolutely nothing jumped out at me, in fact I went £3 into my £50 overdraft for less than 24 hours, but nowhere did it say that a S/O had been returned unpaid, and neither had I received any letters from any creditors stating they had'nt been paid, which considering the recipients are my Rent, Council Tax, electric, water, and such, I find it very hard to believe.

 

I went into the bank today with my statements to enquire what was going on, only to be met by a very self assured woman, who had that blend of smug superiority and you don't fool me attitude, I was waiting for her to utter the immortal 'we don't make mistakes sir' but as she was looking through my statements you could see the shine come off her smug face, and will 'make an appointment for you' to come in and get it sorted.

 

Anyhow, when I go in there next week I shall have my 'letter of appropriation' in hand, just curious if anyone else has had similar this month and whether it could be the infamous 'technicall error' again?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yep. I had exactly the same a couple of weeks ago. I had a charge, and nothing saying returned. The company hadn't written to me to say it hadn't been paid. I phoned up and after a 45min fight got them to admit they were wrong and got the charges waived!

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Yes I did think that, however on checking further and trying to decipher their bank statements, it turns out that one of my SO's failed on the second of the month, but was paid the following day when I had used my savings account to offset the current.

 

Still, if they think they are charging me £20 for a failed SO, they've got another think coming, after all, how the hell have they incurred any costs? Least of all £20 worth???

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agree it's in the T&C's doesn't mean that I agree with it, or that I see it as fair, after all, they incurred no expense, I simply did not have enough money in my account on that day in question, and less than 24 hours later did so it was paid. Just sorting out my Notice of appropriation for monday, and will open another account with a different banking group, bit tight but got till the 1st of Sept.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Im not an apologist for Lloyds but why would another Bank be any different?

As to them incurring expense - well it was explained to me by some T**t at lloyds that any unauthorised overdraft or forecast overdraft is thrown out on a daily list which a clerk/manager has to manually oversee and make a decision on. This accounts for their charge for time taken to consider and action said miscreant account.

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Regardless, bank charges are not representative of fees incurred, if charges are ever incurred by said banks, hence many millions of people bringing the banks to account and reclaiming unfair charges, which this is, my account does have an OD facility, which they chose not to use then wish to charge me £20 for the privelige, this won't be the first time they have refunded me charges, and I won't allow them to have a second chance, hence why I shall vote with my feet and take my money and custom elsewhere.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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