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    • So sorry it's took me a few weeks to respond back to you. Thank you so much for your response. My grandfather is clear about the pension deductions on his pay slips.  As I mention before all these went missing in the burgarly. We have tried Willis Tower Watson but they were not to helpful. I am stuck what we can try next. Thank you again.     
    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
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Desperate!! Urgent help needed please!! Completing statement on N244 form. Please help!


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Hi there , second time i've done this as somehow I cant find my other thread, so hope this works.

 

If anyone could help me completing my statement on the N244 form.

 

I have an eviction notice/ warrant of possession on 13th Jan and need to get this form in by Fri latest to try and get eviction stopped by next week.

 

I am wondering do you keep it short and sweet or should I go into great detail of how the last time I went to court

 

the judge ruled at 450 per month and when I used to phone them GE MONEY they wouldn't except payment and wanted 600 PM instead.

 

This resulted in me paying off other debts.

 

My loan was for 22'000 in 2007 after having a previous loan with them for 11'522.50 (this includes ppi 1522.50, which I am asking for back)

and being encouraged to consolidate to get a bigger load ( I opted out for ppi on second loan).

 

To cut a long story short over the next few years GE money didn't write to me

and then a year later bombarded me with around twenty missed calls throughout the day,

payments were irratic, sometimes missing couple of months but then always trying to give lump sums to cover the missed payments.

 

I have had several agreements in place,

in june 2011 was set at 900 pm to which i paid on time for 5 months but then christmas came and couldnt afford it.

I have problems with car breaking down on me, loss of 2nd and 3rd jobs ( bar work, sandwhich shop),

son going to uni and getting kicked out of flat

- resulting in him needing deposit for somewhere else to live, loss of tax credits and so on.. there is more.

 

Due to this situation I have now begged my managers for more hrs and have achieved this giving me a wage of 1400 instead of 900.

I also have small income from job at sandwhich shop and bar work two nights per week.

And now my parents and son know my situation,

my son is now going to stay with his grandparents when he's home and I am renting his room out at 70 PW to a friend., which will help with my outgoings to my mortgage.

 

I have paid over 17'000 over the years but with agent costs at 90 pound a go,

as well as interest charges GE are now saying I owe 36'000.

I have 14months left on the loan and have just paid them 3000 through my internet banking.

 

Will probably have another couple of hundred before i go to court.

 

if I get the form in on Fri, I am hoping to have a court.

There is prob equity in my home of about 10'000 after my mortgage so that is all GE may get.

 

Are all these points worth mentioning on my statement to the judge?

 

Also what type of judge will I need?

 

Please please any information is much appreciated. Ive not stopped wretching all week.

Edited by maroondevo52
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Thankyou very frightened and feel very stupid. ive lived in the property for over 20 years and now have a grandaughter to the addition. Really don't want to loose my home. thankyou sooo much for your concern

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not something for now

but have you ever SAr'd GE money?

 

to get all the statements

 

ge money are very good at adding all manner of penalty charges & fees for everything.

 

that can be reclaimed at THEIR int rate

same as that PPI you mention

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi there, I'm at work at the moment so my time is limited - can you have a look at my guide here http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession you will see examples of how to fill in the N244 and budget sheet (they can both be downloaded from the second post in the link). There are also examples of how to set out a statement to go with Q.10 of the form - the pages you need to read in the guide are are 6, 11,12, 14-16.

 

I will check back later to see if how you are getting on.

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Thankyou soo much DD and will have a look , it will be worth looking into DX but also thanks.

To Ell-enn thankyou to you too. I have found alot of information on this site from when you have helped others so thanks alot for that. I have downloaded the examples and going to put it together now ( been in work all day today) .I feel I should bullet point some of the things as I think he or she should be aware how GE operate. Thankyou everyone for your help. Going to start the statement now. X

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Just finished the statement. Is it possible someone can privately look at this for me please? Just starting on my income and expenditure.

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Hi, you can email it to me at [email protected] (there's no space between the c and o, the site just shows it like that for some reason)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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to stop harvesting programs leading to you getting spammed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, got your email and responded - you need to read the guide I gave you the link to in Post 6 and complete the budget sheet that you can download from the second post in the linked thread. Let me know when you have done that.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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