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    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
    • OK, using the Norgan rule  payments of £100 per month towards the arrears would clear them in the remaining term of the mortgage, but only just - you would need to keep those payments up for 12 years without fail.  However the lender might not be too happy about waiting 12 years and may force your hand by applying for an eviction warrant in which case you'd have to get a hearing before a judge for them to decide.  £200 per month would halve the time it takes to clear arrears.  You have to decide what sum you can afford to maintain for a long period.
    • Hello and thanks for your answer. My car is the dark grey in the right lane, at the back of the first black one and in front of the other black one (that stopped right in the middle of the box and then moved to the left lane). It was my rear 2 wheels that stayed in the box, as I had to break suddenly. I said in my appeal that the traffic was freeflowing and it was only after I'd entered the box that something happened ahead, hence why I had to stop suddenly in order to avoid causing an accident. I think I won't be able to contest it on the law/highway code. Hence why I'm asking whether the issue of the recording/photos of the reg, is something I could use instead. I normally wouldn't bother contesting it but I've been driving on this road frequently for the last 20 years and this is the first time this has happened to me and it was genuinely because I had to break suddenly. If the traffic is stationary, I wait by the traffic lights *before* I enter the box. Do I have grounds to contest it on anything?
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How to speed up repairs in rented property?

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I'm having problems getting things repaired in my rented flat. First, our boiler broke and was pumping out carbon monoxide. We had five electricians/plumbers come round to look at it (none had spoken to each other, so it was five individual assessments), which took weeks. During this time we were without heating and with very limited hot water. The last gas certificate for the property was done in 1995. I rang the estate agents every couple of days to check progress, and they said they were unable to contact the landlord and were therefore unable to do anything. We stayed in for four consecutive weekends to let the plumbers in as the estate agents said they didn't have a spare key and we had to be there. Eventually, after 4 weeks of no heating or hot water, a plumber finally replaced the entire boiler.


We thought that was the end of it, until over a week ago, when I went into the bathroom to find the carpet completely soaked. I did some investigation and found a leak coming from the pipe that runs behind the toilet, boxed in and tiled over. I called the estate agents... We've since had three plumbers come and look at it and nothing's been done. Each say this and that, and send quotes, but nothing is fixed. The flat now stinks of rotting carpet (one plumber wretched when he came in) and it's unbearable to live here. We also cannot use the toilet, shower or sink because this creates more water and we're concerned that it will leak into the flat below. We've explained all this to the estate agents and they do nothing. When I call them, they say they'll call back and they never do. No one is communicating with each other and the upshot of this is we're left to visit our friends and family for showers and use the neighbour's toilet when we need to. Not an ideal situation.


Yesterday we went to the estate agents and sat in their office. I said I wanted it fixed asap, that I would like to request a rent reduction for the two months we've had problems in this flat (I suggested the landlord half the rent for next month, but didn't ask for more) and that if it wasn't fixed soon we would be moving out.


My question is, do we have a right to move out? Are there any specific laws that say problems with heating/burst pipes etc should be fixed within in a certain period of time? I would happily get the repairs done myself and take that off the rent/be reimbursed by the landlord, but I simply can't afford to do this. I'm in the process of packing a suitcase and going to stay with my parents until this is fixed, but it is likely to be at least two weeks, according to the estate agents.


I feel completely stuck with no recourse to the law. I can't threaten anything in order to get my point across, it seems. I've also sent a letter to the estate agents requesting the name and address of my landlord, who lives abroad. I suspect they'll give me a UK address and I won't be able to contact him.


Other problems we've had with the property are: it was supposed to be a furnished property, and we sat with the estate agents highlighting all the things we wanted the previous tenants to keep in the property. When we moved in, the flat was empty, as the cleaners had got the wrong idea and taken everything that was highlighted to the dump. We were told there was nothing the estate agents could do, they refused to contact the landlord, begged us not to tell him and we had to go out and buy loads of furniture at vast expense. We have also been asking where our car parking space is for six months (as we live in a communal flat area, where the car parking spaces don't seem to correspond to the flats) but the estate agents have never asked the landlord and never call us back. We've asked where it is about 20 times. Last week, the car was inevitably clamped for being in the wrong place and the estate agents say there's nothing they can do.


I would really appreciate any help or advice anyone can give me. I'm extremely angry and frustrated with the whole thing and don't want to pay nearly £1,000 a month to have no hot water, heating, no use of toilet or showers at various times during our tenancy.


Thank you,



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Hi Lottie101




The first thing is the Gas Safety Certificate was last done in 1995 that is shocking as the Landlord is required to carry out a Gas Safety Check Annually and you are meant to be provided with a copy and anyone working on the gas installation (i.e.Gas Boiler) need to be Gas Safety Registered and you are within your right to as the individuals for there Gas Safety Register ID and Number where you can check the ID No on the Gas Safety Register website to confirm here is the link: www.gassaferegister.co.uk/


Now this link from same site takes you to - A Landlords Gas Safety Duties when Renting a Property: http://www.gassaferegister.co.uk/advice/renting_a_property.aspx


Now this link on same website take you to - Gas Safety Book for either Gas Engineer or Consumer. You can either purchase or view the book online so have a look at it online : https://www.gassafetybook.co.uk/


these PDFs may be of use:

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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As for other repairs & useless contractors, you are in the same situation as owner-occupiers.

If LL has acted in a reasonable time to engage contractors to advise & repair your reported problems, he cannot be held resp for their incompetence.

LL should be treating toilet leak as a matter of urgency, as it also affects his liability for damage to flat below as well as your health.

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Get onto the Environmental Health Department at your local council. They will be able to take enforcement action on your landlord to require action to be taken to remedy disrepair which is prejudicial to health or causing a nuisance (the leak into the flat below). If he doesn't, they can do the work in default and send him the bill. It may be possible to trace the landlord via the Land Registry.

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There is a CPR Pre-Action Disrepair protocol here > http://www.justice.gov.uk/courts/procedure-rules/civil/protocol/prot_hou this is used in the early stages of suing a LL for damages although this is all pre-action so you are not actually taking legal action but it shows you are serious about it and may get him moving.


It has various useful steps/letters, mainly divided into ones to be used by solicitor and for individuals.



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