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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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Canine leishmaniasis injection


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Hello there.

 

I hadn't heard of this until our friends took their dog to the Mediterranean.

 

Dogs can catch leishmaniasis by being bitten by an infected sandfly, which seem to be rife from May to September according to one website. The disease causes heartworm, which is often fatal and develops into a long and heartbreaking illness.

 

A company called Virbac have developed a vaccine that can be used instead of the special collars that owners have been using, like Scalibor. According to our vet, it requires a blood test to see if the dog is infected, then a series of 3 vaccinations at weekly intervals. After that, an annual booster is needed.

 

Speaking as a dog owner, I think this development could be a big relief for people whose dogs visit affected areas, which seem to be all around the Mediterranean. I would feel that a vaccine would be more effective than a collar that I believe can be weakened if it gets wet and also runs the risk of polluting any water the dog might swim in.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Thanks for alerting us to this, HB. With pets being allowed to travel freely to and from Europe, Pet owners need to be made aware.

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I have been googling this disease and it sounds pretty horrid.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I don't claim to be an expert in this at all, but another site team member mentioned a heartworm that comes from your dog eating slugs and snails and I think there may be others.

 

I had no idea it was so dangerous to be a dog. :(

 

HB

Illegitimi non carborundum

 

 

 

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Yes, it's horrible! It's lungworm that comes from slugs. My dog never eats anything outside, but he does play with footballs etc which could potentially have slugs/snails on them, but his regular wormer (Panacur) also sorts this out.

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I believe its called 'proheart' but check with vet there may well be others.

Yes slugs/snails can have the parasite that can cause lungworm which is very harmfull to dogs and indeed humans if eaten. So check that salad!!!

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Hello Ray. I had a quick look around earlier and found Proheart. I think it might be for a different worm. It's made by Pfizer, but I didn't find their website all that helpful.

 

HB

Illegitimi non carborundum

 

 

 

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Hello again.

 

I found this about Proheart.

 

INDICATIONS:

ProHeart 6 is indicated for use in dogs six months of age and older for the prevention of heartworm disease caused by

Dirofilaria immitis.

ProHeart 6 is indicated for the treatment of existing larval and adult hookworm (Ancylostoma caninum and Uncinaria

stenocephala) infections.

 

I have no idea what Dirofilaria immitis is, but I'm guessing it's not the same thing as leishmaniasis. I'll check though, thank you.

Illegitimi non carborundum

 

 

 

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This is what wikipedia says.

 

Leishmaniasis is a disease caused by protozoan parasites that belong to the genus Leishmania and is transmitted by the bite of certain species of sand fly (subfamily Phlebotominae). Although the majority of the literature mentions only one genus transmitting Leishmania to humans (Lutzomyia) in America, a 2003 study by Galati suggested a new classification for American sand flies, elevating several subgenera to the genus level. Elsewhere in the world, the genus Phlebotomus is considered the vector of leishmaniasis.[1]

Illegitimi non carborundum

 

 

 

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Yes, it's horrible! It's lungworm that comes from slugs. My dog never eats anything outside, but he does play with footballs etc which could potentially have slugs/snails on them, but his regular wormer (Panacur) also sorts this out.

At least you know that. There's quite a lot of publicity about heartworm at the moment and because it's not well known about in the UK owners are understandably worried. This may be treated as a cash cow by some practices because most advertising and literature doesn't happen to mention that many existing wormers are adequate prevention/treatment. As with everything - check before you part with your hard earned cash.

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In case it's helpful, here's a link to the Virbac website for more information. I've seen a map of where the leishmaniasis parasite occurs, but I think it might be in French. I'll have a look and post again because I realise that this disease happens in a limited area and mainly affects passported pets.

 

http://www.virbac.co.uk/product.aspx?pid=137&product=99&&condition=23#page=page-RESOURCES

 

HB

Illegitimi non carborundum

 

 

 

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