Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Amazing thanks, I am not sure what to type as this is the first time I have got to this stage with the FOS, but my letter below is a start and would appreciate any comments/amends to suit:   Complaint about MYJAR Limited - Trading as MYJAR Reference Number XXXXX   Thank you for your email of the 29th June 2020, the contents of which are noted.   I have to say I am somewhat surprised and disappointed by the outcome of this and I would like to explain why.   Firstly, I attach a spreadsheet showing the state of my credit file.  This show the Default date to/from the amount of the Default, including CCJs.  In total I had 10 Defaults and 3 active CCJs at the time of the first loan taken out with MyJar.   Two of the CCJs were paid off in July 2017, however, and still remain on my credit file until September 2020/March 2021 respectively.   This should have been a sufficient warning to MyJar that they should not have lent any monies to me whatsoever.  However, they went ahead and, as you can see continued to lend to me each time, when all of the Defaults and CCJs were still active on my credit file.   Also, with regards to the table below, you can clearly see that another loan was taken out straight after the existing one.  I understand that you cannot have more than one MyJar loan at any one time, but what I would do is use my salary to clear the loan and then borrow again from MyJar to cover the amount that I had paid off….. in a sense “robbing Peter to pay Paul”.   Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 05/11/2017 22/11/2017 6 £1,000.00 £284.63 2 05/12/2017 06/02/2018 12 £1,475.00 £266.20 3 16/03/2018 18/07/2018 12 £800.00 £117.87 4 23/07/2018 outstanding 12 £725.00 £110.82   I would also like to state that Loan 4 is still outstanding as the account has been placed on hold whilst the investigation took place with yourself.  They have, however, offered me a settlement figure of £600 and to clear this balance at a rate that is acceptable to myself.   Looking back at previous correspondence, I still feel that all interest and charges that I have paid should be refunded.  This totals £725.90 across all loans.  This would therefore settle Loan 4 of £600 and the remaining monies of £125.90 owed to myself.   I would therefore ask that my case is reviewed with the additional information stated above.
    • Hello to all.  Any help or advice is greatly received.                      I traded in my car almost a year ago and purchased a second hand kia optima 2013 with around 75000 on the clock, and 127 a month in HP payments. After 5 and a half months of normal use the engine seized, the reverse camera and sensors no longer worked and the passenger seat belt alarm continuously sounds at various times when no one is seated in it. I had also needed to renew pads and a brake calliper almost 4 months after purchase. I had not raised concerns to the brake components as they would be considered wear and tear.                     Being in the industry I dropped the oil and found it to be extremely thick and probably not circulating to the top of the engine, i.e. the oil had not been renewed in a very long time (there is no oil light on the dash or any indication of fault or maintenance due) I retained the oil filter, and opened a resolver case, with tall the faults listed.                 Upon contacting the dealer and informing him of what happened he indicated he wanted no responsibility towards rectifying the problem as close brothers were technically the owner. I approached close brothers (18th February)who started the ball rolling and approached dealer again who formally by letter refused liability.                              Close brothers then sent an engineer to inspect my listed problems, this was visual as the vehicle will not move, after three weeks the report was with my case handler.  I requested this report twice but have yet to see it.  Close brothers informed me that the report was inconclusive and they would need to move to a more through inspection.             At this stage the pandemic hit, at no point did I stop work and had to continue on charity and the diminished public transport to commute to work (140 miles a week)  no courtesy car or rental was provided.  I maintained contact with close brothers throughout, and was given the same update, they were waiting for the engineering firm to do an assessment but they were only doing key workers . Despite me telling them I was a key worker, nothing was done until the easing of the lockdown. I was informed that ACE vehicle inspection would contact me to collect the oil filter.                             Eventually this happened on the 18th of June and I phoned each week to chase. I was informed on the 30th that the report was showing on the portal and my case handler (simon) would look at it and call me back. I received no call and called on the 1st with the same responses. Today (2nd July) I got Simon who tells me that the report is showing on the portal but when he went to open it, it was not there and he would chase the engineering firm and get back to me in a couple of hours.                     I believe I am being taken for a mug now and am unsure weather I should escalate my revolver case to the regulator or any other advice, I'm therefore at this forums mercy any advice will be greatly received. 
    • Yeah I think you're probably right. I cancelled it anyway because the balance was due on the 10th July and I thought if I held out for an alternative and rejected it I might loose my deposit. Virgin are not answering calls from anyone not flying within 14 days by which time  the balance due date will be well past. I didn't want to pay the balance just to keep my deposit and get it all back in 4 months. Better to cancel the whole thing and get my deposit back now.   The holiday is in October so I think it will be fine to travel by then. I still plan to take a holiday on the same dates but I doubt I will get 10 days in the Caribbean (or anywhere long haul) for the same price so will probably go somewhere in Europe. It's just frustrating when I see basically the same holiday advertised on the same dates but for 50% more than the one they just cancelled.   I'm not too worried about Covid 19 and plan to travel as soon as the quarantine rules are lifted.
    • Welcome to the forum. I don't think you are breaching any forum rules at all and we are pleased that you have come to us and posted up your story. However, you have posted your story in a very solid block of text. It's extremely difficult for people to read and it tends to dampen down their enthusiasm when otherwise there would like to help you. Please would you mind posting your story in a well spaced and punctuated form and you will get lots of enthusiastic help. Thanks
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 2926 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I own a flat with a family member and we have a joint mortgage.

 

For the last six years I have been out of the country and she has been paying the mortgage herself.

 

It is a two bedroom flat and she has been renting out my room.

I did the same when she was out of the country.

 

I moved back in November 2011, and in May 2012 she moved out.

 

I found out 4 days before she left that she was moving and was renting out her room.

I was annoyed but asked that I be able to choose who to live with from her short list and she said fine.

 

Then the day she was moving out she told me she had found someone and they were moving in the next day and there was nothing I could do about it.

 

The only thing she said was that they wouldn't be having people over all the time as she knows I don't like that.

 

The new tenant signed a contract with my family member and is paying her the rent monthly, and gave her a deposit.

 

It has been nearly two months and things are not going well with the tenant.

 

He has his girlfriend over 2 to 5 times a week and when I complained says that he's entitled to live their as he pleases.

 

There are many other problems and I am wondering where I stand if I want him out.

 

He signed a 2 month contract with my family member which is up on 12 July, and then there were going to extend it or stop depending on how things turned out.

 

As you can tell I am not currently in contact with my family member, but could I give the tenant notice even though I didn't sign the contract,

and am I perfectly within my rights to find someone my self to rent the room to?

 

I can't think it is fair that as the owner in residence I am expected to live with someone I didn't agree to.

 

Any advice would be much appreciated. Sorry for the essay.

Share this post


Link to post
Share on other sites

What type of Agreements were granted to current & previous Ts?

You previously let her room when she was abroad and vice versa? Who was the LL? Who trousered the rent? Was it declared to HMRC or were Ts regarded as lodgers, with equal access to shared areas?

Current situation would suggest you are not the LL, family member is, so is LL Ins, GSC and other LL resp arranged by her?

The fact you have a joint residential? mortgage may mean you could poss object to her renting to others. Likely outcome is you would have to 'buy her out' .

You need a solicitor, tax accountant to sort this one out IMO

Share this post


Link to post
Share on other sites

She previously rented to friends so she didn't have current agreements. We had a kind of agreement that if one of us wasn't living there then the one in residence had to cover the mortgage and could rent out the other room to cover costs. All the bills are in her name as I was away for so long but I pay her 50% of everything every month. She has no contact with the tenant after he moved in. he just pays her by standing order and if he has any problems he comes to me. He has equal access to shared areas, and nothing has been declared to HMRC as far as I know.

 

I don't have a problem with her renting to others, I just want to be able to agree to who I have to live with. If I object to the tenant can I prevent them from moving in?

 

I am looking to buy her out but am trying to see what i can do with the current tenant situation.

Share this post


Link to post
Share on other sites

I would think as joint owner of the poperty you would have every right to pick the tenant and object or in fact deny anybody coming into your home that you did not want.

IMO you are joint Land Lords and as you are living on the premises, the tenant is a lodger, and you can give them notice to leave at the end of the current contract.

In future I suggest you formalise any letting arrangements with both of you agreeing to the terms.

Share this post


Link to post
Share on other sites

Joint owner? Depends on mort contract & Land Registry entry surely? 50% equity interest almost certainly, but OP does not appear to have any contractual relationship with T/L, so cannot be deemed his LL, so houseshare?

Given the previous letting & contribution arrangements, it would seem reasonable that resident joint owner should choose T/lodger as then the incomer could be a lodger on rent a room basis with few rights & with assoc tax benefits.

Does absent joint owner intend to re-occupy?

Oh what a tangled web has been weaved!

Share this post


Link to post
Share on other sites

The absent owner is planning on living elsewhere. If I want to end the tenancy and find a new tenant, how much notice do I have to give to the current tenant? He had a trial agreement that ends 12 July.

Share this post


Link to post
Share on other sites

As he is a lodger, I beleive it is the minimum of his rent period, If he pays monthly then one month or weekly then one week etc.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...