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    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
    • Fraudsters are increasingly using AI, but are people taking the problem seriously enough?View the full article
    • clarks are just like the rest of 'em. couldn't careless, your advantage here is it's not legally your car, the finance co. should be bought into play . as i think BF eluded too , or has in other threads, if dealer/finance co. dont sort it between themselves FOC to you, another option is to get it fixed then bill both for it, if they refuse, then a court claim is very simple and cheap option to recoup your losses. see where it goes. just musing. dx
    • Thanks for that. Much appreciated. I would have assumed they would have had contacts to do such work as well. I think it's just the general rubbish attitude from Arnold Clark as the amount of times the General Manager of the place was rude or kept referring to "it would have to come out of my margin" to fix issues. Like it was my fault. Oh well - Won't be buying anything from them again.
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Bad Credit History - But I Paid!


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Hi,

I've got one credit card, that had about £125 on it, which I paid off in 2 payments the last one being in January.

 

The other week, after applying for a different type of card I was told I was refused because I had a bad credit history and had £113 outstanding on my card.

I phoned my bank (the credit card one) and they said, no problem it was all paid off and that the payment was just taking time to go through.

I thought it was stupid, I'd paid at the beginning of January and this was middle of Feb.

I was then advised to do a credit reference search, which I did.

I was gobsmacked to see that it showed I owed this money and said I'd only made 1 payment of £5 over a, now, 5 month period.

It also had a discrepency on the outstanding balance. One month it was over £400 (which I'd never had) and the next it was £113 despite the fact no payment was recorded.

 

I originally complained to the FSO about the 1st payment that hadn't been recorded and the other stuff I've discovered since. The bank made a fuss, I had to screenshot all the stuff and send it to them and they are supposed to be sorting out - when, I honestly don't know.

The problem is that I now have a bad credit rating and I don't even owe anyone anything.

 

Any advice because this is driving me crazy?

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You should be complaining to the Information Commissioner, not the Financial Omubdsman !

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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.

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My guess is this is not BAD credit history BUT NO credit history which is always as much of a problem!!

 

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