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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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I was charged interest and a penalty charge from payday express on my loan of 200. My loan was paid 7 days late due to natwest technical issues I informed payday express by a phone call and a email. I was told I had the 7 days to pay. However payday express took 200 for loan 15 penalty charge and another 40 interest. I contacted them and was told I'd get a refund for the 55 by midnight last night. Money was never credited . So I phoned them again today spoke to same guy as he kindly gave me his full name he apologised and again said I would definately get the 55 refund by midnight tonight . I've also asked for written confirmation of this . I have letters drafted to trading standards and OFT . Anyone else told same and didn't end up being refunded ?

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Why did you phone them? They will say and do anything to get you off the line. Only ever communicate with a PDL in recorded delivery letter or email. NEVER by phone unless you can record the call, and NEVER by webchat.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Why did you phone them? They will say and do anything to get you off the line. Only ever communicate with a PDL in recorded delivery letter or email. NEVER by phone unless you can record the call, and NEVER by webchat.

 

I have emailed them on several occasions but just got ignored . Do you think they are just agreeing to the email and not intending on paying out ? Anyone had this from them ?

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They ignore you to get you to speak tot hem on the phone. Then they will try and get your details off you to use as and when they like, otherwise they drop the line fast.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I wouldn't waste time keep emailing even, they ignore many emails - what they have done is similiar to that of their 'unsuspecting punter trick'

send off letter of notice, you'll start court procedings in 7 days if no return

 

Hope it won't come to this

Moneyclaim online will cost you £25 to submit, really does work and you can also get the claim fee back if successful, sure they might try drag it out 4 weeks+ and say their going to defend but it will be worth the wait

 

May also be worth going to the FOS as well (because they do like easy money when they receive a complaint about this particular lender it seems!) - hope get you some compo to, why should you suffer due to the bank

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

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“Nothing in this world can take the place of persistence.”

 

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I wouldn't waste time keep emailing even, they ignore many emails - what they have done is similiar to that of their 'unsuspecting punter trick'

send

 

 

 

Moneyclaim online will cost you £25 to submit, really does work and you can also get the claim fee back if successful, sure they might try drag it out 4 weeks+ and say their going to defend but

 

 

May also be worth going to the FOS as well (because they do like easy money when they receive a complaint about this particular lender it seems!) - hope get you some compo to, why should you suffer due to the bank

 

 

Hi thanks for responses. I phoned them again today informing them that I am recording the call . They have assured me money will be transferred into my account by the end of the day. I certainly won't be holding my breath and will go with what you have suggested thanks for input

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Well, if you have the call recorded, you have solid proof that they said the money would be refunded. If it doesnt happen, then make sure you send a LBA before you use moneyclaim or a small claims court.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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