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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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    • I've started working on the defence. There are lots of threads on this forum. I have to admit, they all seem pretty different, e.g parking fines, catalogue debts, etc, but I'll come up with something and come back.   I was speaking to an ex-colleague earlier today (he's also received the claim/impending court action form) and he's working on his defence too. He's in touch with more people than I am and he's learnt that there are dozens of others that have also received letter before action/of claim, and/or actual claim (court) letters. So it seems Centrica are well aware of what they're doing and have instructed CST to hit out and get some money for them.   My current union (Unite) have told me, well, their solicitors have told me, there's not much they can do and suggested I should reach out again to the GMB, who were my union when I was with BG. So I've got the number of the union rep and I'm going to text him tomorrow; ask if he's aware of what's going on and if GMB have had any involvement, or can provide any advice, assistance, or information - you never know.
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Am i a personal guarantor for my contract hire lease (limited company)

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My limited company is about to go into liquidation and i am unsure if im a personal garantor for a contract fleet hire on some tools i have.

The main problem is that im no longer in possession of the tools that i have 3 year contracts

on as they were stolen 3 days ago, and i dont have the funds to pay the contracts out. The police were contacted and i have a crime reference number, im yet to inform the company that i have the contract with.

Im not sure if the contract i signed with them initally includes me as a personal garantor.

I have copied and pasted a section of the contract that i feel is realivant.

If any one can tell me if i will personally owe money to this company once my company goes into liquidation that will be great.




11.1 Notwithstanding anything contrary, the Company’s liability to any user for personal injury or death caused by its

negligence or fraud is not limited.

11.2 The Company shall not be liable (whether or not the Company has been advised of the possibility of such loss) in

contract, tort, negligence or otherwise howsoever arising for any claim, damage, loss or costs in respect of:

11.2.1 any losses special to the Buyer, any direct loss of profits, any direct loss of turnover and/or any direct loss

of revenue; and

11.2.2 any indirect or consequential loss or damage howsoever caused including without limitation any losses

special to the Buyer, any loss of profits, loss of turnover, loss of revenue, loss of business and/or loss of


and for the avoidance of doubt, the sub-clauses in this Clause 11.2 are intended and agreed by the Buyer to be


11.3 Subject to Clause 11.1, the aggregate liability of the Company (whether in contract, tort, negligence or breach of

statutory duty or otherwise) to the Buyer for any loss or damage shall be limited to the price of the Goods.

11.4 The Buyer shall be liable for and shall indemnify the Company against any and all expenses, loss, liability or

proceedings suffered by a third party arising as a result of or in connection with any act, omission, negligence,

and/or breach of the terms of this Contract or otherwise through the default of the Buyer.

11.5 The Company makes no representation or warranty that the use of the Goods does not infringe the rights of any

third party and the Company accepts no liability in this respect.


12.1 In the event that:

12.1.1 the Buyer shall be in breach of any of its obligations under the Contract;

12.1.2 any distress or execution shall be levied on the Buyer’s property or assets; or

12.1.3 if the Buyer (an individual or partnership) shall make or offer to make any voluntary arrangement or

composition with its creditors or become bankrupt or if any bankruptcy petition be presented against him;

12.1.4 (if the Buyer is a company) has an administrative receiver or administrator appointed or makes a

voluntary arrangement with its creditors or commences to be wound up; or

12.1.5 otherwise if the Buyer fails to pays its debts as and when they fall due; or

12.1.6 such equivalent event in Clauses 12.1.1 to Clause 12.1.5 occurs to the Buyer in its local jurisdiction;

the Company at its discretion and without prejudice to any other right or claim may by notice in writing forthwith

determine wholly or in part any and all of the other Contracts between the Company and the Buyer or may

(without prejudice to the Company’s rights subsequently to determine the Contract for the same cause should it so

decide) by notice in writing suspend further deliveries of Goods.

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From whatyou have posted you are not personally liable. If you were you would have had to have signed a seperate document headed 'indemnity' ot 'guarantor'. CAn yo unot claim on insurance? If your payment were up t date at the time of the theft the insurance should pay out irrelevant of the pending liquidation

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