Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

  • Recommended Topics

needs help with k&co group


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3477 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi ive come on here for well advice would it be!!,

 

i have a account with k & co group cataloge,

i took something out which i thought i could offord but now im in debt because well its my own fault really forgetting to pay them on my due date

and i always forgot to set up a DD, but ive had alot of stress just lately with the loss of my dad though it was 3 years ago i still cant come to turms with it im have really bad day.

 

.im scared to talk to family member ( i dont no why) about my debt

 

im in debt of £700 they want me to pay £192 arrears and i keep getting phone calls off them and letters from NDR

 

i really cant offord to pay the full arreas but scared to phone them as i no they will want more than they say.

 

.i really dont want to get black listed and have a bad credit check,

 

i really dont need the bad credit rating as i will be moving into letting accommodation soon and they said if i dont pay the arrears in so many days

then i will have 6 years on my credit file i really do not want this,

 

please please help me..im 25

i do work but ive recently had my hours dropped at work

so struggling at the minute im only just managing to get buy.

 

.i tell ppl im paying it because i feel ashamed and upset to tell anyone.

 

 

Thanks a very stressed person :-x:sad:

Link to post
Share on other sites

well firstly it a catalogue debt

 

BOTTOM of the pile

 

i take it you've never had any threat-o-grams before?

 

they can do nowt to you

 

i'm going to move your thread to the catalogue forum.

 

there you can view other peoples threads too

 

you are under NO legal obl to talk to them

nor NDR who are their pet in-house DCA

 

DCA's are not bailffs,

they are the same as you or me

the have no legal powers to do nowt.

 

did you lnow:

 

you can reclaim ALL those £12 charges!!

 

and PPI if you have it too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

For once I agree with this route. Reclaim the charges, see what the debtis then and see if you can arrange a F&F with them. Your credit file will stay in tact and you'll not have this stress hanging over you.

 

I told my family of my debt problems recently (now I'm almost out of them) and wish I hadn't! Only you know how your family will react, but mine were dreadful.

Link to post
Share on other sites

thats true ive got debt which a lot was left by my ex-wife but ive got a 82 year old dad who has never been in debt and thinks that people who are have no one to blame but themselves luck ive got a great sister who has helped me out in the past.......oh and to pheonix86 dont let these things worry you we are all here to help each other and i tell you what my sleepless nights stopped when i found this great website....

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...