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    • old and new threads merged i though you were going to send the SB letter in 2017? dx  
    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lot of years i received a letter from this lot. Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. up to 2000 I had successfully gotten deferment on low income. But rather than sign on as unemployed ,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondence ceased from them, circa 2001. To date I have had no correspondence from Student Loans. I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled. Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Landlord's fault, not mine


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Hello

 

My house flooded due to the landlord not having lagged a pipe in the loft, which then burst in freezing weather. Not my fault in any way.

 

I moved house as the place was going to be uninhabitable for approx 8 months.

 

The landlord has informed me that he will not re-pay the full deposit as he says that there is damage to the veneer on two internal doors under which i had run a cable for a free-standing electric heater. I don't dispute that the heater cable went under the doors, but when I was living there there was absolutely NO damage to the doors whatsoever, and my position is that having 20,000 litres of flood water going through the house has lifted the veneer. They were NOT damaged prior to the flood.

 

Any advice?

 

Thank you.

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Good.

 

How big is the contribution he wants you to pay?

 

Is your landlord approachable, can you talk to him ?

 

If so and you haven't moved back in yet, then ask him to meet you there to explain how he came to his conclusion. If you can't talk to him at all, after notifying him in writing, (recorded), you can get an expert who will probably charge a fee and if that expert says it is water damage and not by a wire under the door, then you can ask for your contribution to be reduced to nil and for reimbursement of the experts fee.

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He wants me to pay the full cost of buying new doors and locks, and labour to fit them, including sanding, primer, woodstain.

 

No he is not approachable. I will not be moving back in, and I no longer have keys for the property.

 

Where would I find the sort of expert you suggest? I haven't got a clue!

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Probably number 1 advice then is to contact the tenancy deposit scheme and find out the procedure for raising a dispute.

 

Did you move out because of the water damage? There could be grounds for *you* claiming off *him* (or his insurer). My insurance includes payment of rent for tenants should my house become unlivable in due to an insured risk.

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Yes I moved out because the house was uninhabitable. I moved in with a friend temporarily whilst looking for somewhere new to rent. Two days after the flood the landlord told me I had to have all my belongings out within the next two days because the driers had to come in. His insurers insisted the drying could not start while my possessions were in situ. Obviously I had nowhere to put them and they ended up in a damp unsecured garage for two weeks. I have sent him a letter stating the costs of my losses and expenses and asking him to inform his insurers and to let me know he has done this (within 21 days). The 21 days are up and I have not heard yet.

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You defo have a claim against him.

Write to him with details of all your out of pocket expenses, accommodation costs etc and your deposit to be returned in full and give him 14 days to respond or you will start court action.

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  • 2 months later...

Update:

 

I wrote to LL, outlining my costs and losses etc and asking him to pass the info on to his insurers. As a result he now says the burst pipe has been inspected and deemed suitably lagged (although he had previously said it was not lagged, but that it relied on other lagged pipes nearby to protect it), and that he has therefore not been negligent. His insurers will not compensate me because of this.

 

As for the doors, he is still insisting that I have to pay for new ones. The rental agency tell me they have referred the matter to the Rent Deposit scheme.

 

Additionally he has informed me that I am to pay his costs for removing a compost heap. When I moved into the property I asked whether I could build a compost heap and the reply was that I could, and LL would let me know if he wanted it removed when I left the property. If I had known he wanted it removed I would have removed it. As he did not tell me after I handed in my notice that he wanted it removed I don't see how he can now ask me to pay for it retrospectively.

 

Any advice?

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well, if you are sure of your claim, you can take him to court! thats what they are for in dispute situations.

With regard to compost heap, I am afraid you should of sked if it was ok to leave it, then there would have been no problem.

He is entitled to ask for the property to be left in a similar condition as when it was let, so he can charge for its removal.

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As he says he has had the offending pipe inspected and the contractor (probably the guy who did the lagging in the first place) has informed him that it was adequately lagged, I am not sure of the claim, no.

 

Re compost, are you saying that even though LL had said at the beginning of the tenancy that HE would let me know if he wanted me to remove it when I left, that it was still my responsibility to ask him, when I left, if he wanted me to remove it? That doesn't make sense to me!

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Lagged or unlagged cold water feed? pipe burst after freezing causing 8 months uninhabitable. For that level of flooding I can only assume property was left unoccupied for some time, perhaps without background heating. Perhaps OP can indicate if this assumption is correct?

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No, it's two issues - two seperate houses, two seperate LL's. Can you please seperate the threads again?

 

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Rayd: Yes, as soon as I was told I was expected to pay for the removal of the compost I wrote to the agent saying I would rather arrange to get the job done myself, thank you very much, but I objected to having to do it in any case seeing as LL had originally said he would let me know if it needed removing (and I pasted in the original email terms regarding LL would let me know IF he wanted it removed at end of tenancy). Agent replied that 'unfortunately the landlord has already had the heap removed'.

Perhaps I need to reply to that, reiterating the 'terms'?

Mariner: It was the cold water feed pipe - or so I was told by the LL at the outset. The water comes from his reservoir out in a field somewhere. 20,000 litres of it.

No the property was not unoccupied, I was resident, and away for the weekend (fortunately - as having 20',00 L of water rushing into the property while I was there would have been horrendous). Because freezing weather was forecast I left the boiler timed to have the heating on for 7 hours of each day I was away, at a higher temp than I would have had it on if I had been at home. If I had been at home I would have had the heating on for less time than that. I also left a couple of electric oil radiators on in the coldest rooms (I am a responsible tenant, I think).

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20,000L = 20 cu M is more water than I use in 6 months!

 

It is a sad fact that occupiers today fail to isolate the water supply and leave cold taps open when away during freezing weather or during summer holidays. Frozen pipes only cause a problem when they thaw.

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Mariner, as the pipe was up in the loft, and fed water from outside into the tank before it came down the pipes into the house, how is it related to switching the water supply off in the house?

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