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    • maybne the courts are waking up to Simple Simon and his shenanigans, and dots are being joined?
    • In their draft application to the court they state that their Letter of Claim listed the proper three invoices.  Is this true, or are they lying?   As for replying to them, hang fire for the moment, see what people who have dealt with this sort of thing before have to say, there may be a way to oppose their application or at least make them pay a hefty sum to the court for granting it.
    • but the other debts are part of this big picture and its eventual solution a rough idea will help.   if if if they ever get another powerless repo/dca involved, they will tell you well in advance.   help us please
    • to do what they are powerless...   you like 10'00'000 of other s jump because a dca says this or that a DCA is not a bailiff and has zero legal powers on any debt no matter what its type.   another one of your issues is following stupid freeman of the land twaddle. very dangerous.don't   moorcroft dont by debts they only act for clients.   as long as you don't run from debt and insure the debt owners or 'the client' has from you a letter which states your correct and current address or you did so to the Original creditor before any sale or your haven't moved since taking 'the credit' out you are safe from backdoor CCJ's to an old address.   sit on your hands and see if the owner of the debt want to issue a letter of claim. if they do  you return here   A CCJ - which is the only tool they have - because just like us joe public, its the only thing we can legally do if we claim someone owes us money - they have no more powers that you or me
    • That is why I (specifically) said "the lender".
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

AST, split with partner, and guarantor requirement by letting agent


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Currently have an AST due for renewal. Have paid £70 for the letting agent's "contract fees" for 12 months renewal. However, since this me and my partner, whose father was guarantor, have split up. She has moved back with her parents and is looking for her own place, and we have mutually agreed that I can continue living in the property. The contract has not yet been signed and needs to be done soon.

 

The main problem is I have no family who could act as a guarantor, and the letting agents insists on one. My ex partner's Dad has said he would be a guarantor on a 6 monthly basis. It's a nice gesture, but to be honest I'd much rather not put my ex partner's Dad under that sort of potential financial obligation. I'd much rather be splitting any such ties.

 

Should I just sign for 6 months with ex partner's Dad as guarantor?

 

Might not signing and going on a rolling monthly contract be an option? The letting agent has not touted this as a possible option, I guess because of the revenue they make charging contract fees for 2 minutes work. So I suspect the letting agent will be against this idea.

 

Many thanks for any suggestions.

 

Edit: probably appropriate to note in terms of employment, I am almost guaranteed a 12 month contract from September 2013, but a permanent position is a strong possibility.

Edited by leedsguy
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Have you contacted LL direct to explain & negotiate? LL employs LA

Personally I would want a personal G for a single T with a job but no perm employment contract.

It is for you to decide whether to accept ex's father's kind offer for 6 month fixed terrm AST

If you pay rent on time and look after the property, G will not be involved and there will be no reason for contact.

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So far as I am aware LL does not live in the UK, but do not have contact details in any case. Besides, rent is not much above local housing allowance set by the Council so not like there's a financial issue.

 

So I guess money overrules not leaving people homeless because they don't have anyone to be a guarantor. And you all wonder why there are "types of people" who prefer to live their lives on benefits, pfft. Makes me wonder if it was really worth all the effort of trying to do better than my underclass background and making some effort by going to University after leaving school with nothing, then overcoming the difficulties of my disability to get a job. Some people can't be privileged enough to just lay back and watch the money roll in as every law protects their investment returns, and tenants have few real rights.

 

There's a good lesson people. If you live on a Council estate with your mum, just stay there and keep claiming the benefits. The world is just full of greedy self-entitled insensitive people.

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How does #3 rant relate to limited info original post Qs which I addressed in my balanced? reply.

I am also a working class Univ graduate.When my father died (Council worker) he left his entire estate (£500 in post ofice) to his never employed wife (my mother) who never claimed benefits, other than widow's and later OAP.

I have had some reasonably paid jobs, interspersed with JSA claims, allowing me to become a LL.

My mantra is 'the world owes you a living, but you have to work hard to secure it'

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