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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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QubeHip

No contract - What to do?

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Hi guys.

 

I joined this forum originally to get in on the chatting and help other people out wherever I can even though I'm not particularly the most skilled individual when it comes to money and legal jargon, but it seems I'm a person who needs help now, although nothing in-depth (for now).

 

As it stands now, I work as a garbage collector and part-time snow removal in Manitoba, Canada. I don't make very much money but have always done well for myself all things considered, and provide for my wife and kid decently if my word is to be trusted...

 

But our living circumstances are complicated, needless to say. We are currently living in a rented home, however, we are not the renter. To avoid anything confusing, the layout is:

 

Owner -> Renter -> Me

 

However, we have no contract with either party. In fact, we are living in this home as part of an agreement with the renter... Verbal agreement. The owner has no clue that the renter isn't living in the house and that it's us instead. From what I have found out by asking around, I pay the rent the renter must pay with a little bit extra, so I guess this is something he does to turn a profit from doing something like this.

 

The renter has been coming around increasingly more often in the past weeks. First, it was to make sure everything was running well. Then, he simply hung around the house. Every time I would object (mainly because my daughter would complain), he would inform me rather blandly that it is his contract, his house. This was not what we agreed upon.

 

I am beginning to become worried that maybe he will evict us from our home without us being able to really do much of anything, and I have made an appointment with a lawyer next month as I live somewhere rather rural and he is gone on vacation. I don't have the money to afford traveling to the city, and paying for this lawyer was close enough to not being possible.

 

This then begs the question... What are my options? Can I get a contract several months into living here? Can I go to the owner and inform him of the situation? Is what I'm doing essentially illegal? Are verbal agreements even remotely valid under a housing system?

 

Any information would be great... I'm not looking for really in-depth explanations or ideas, just a general overview of what's open to me before I go to the lawyer. I am not good with this stuff and I want to make sure I address everything I can when I meet with him.

 

Thanks!

 

P.S. This is posted under homelessness in the off-chance that I have no options and may end up being, indeed, evicted with nowhere else to go for a few months.

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Hello and Welcome QubeHip,

 

I'm not sure you'll get the answers your looking for, this is a mainly UK based site so I'm not sure you'll find anyone here well versed in Canadian housing issues.

 

Regards,

 

Scott.


 
 

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Hello and Welcome QubeHip,

 

I'm not sure you'll get the answers your looking for, this is a mainly UK based site so I'm not sure you'll find anyone here well versed in Canadian housing issues.

 

Regards,

 

Scott.

 

Understandable! I've found that a few things are similar between our nations since we're both Commonwealth, but you may be right that there are big differences... I figured that since I was already registered here I should try this avenue first to avoid registering elsewhere.

 

Generally speaking, is there a way to do something about a situation like this in the UK? Specific terms? I wonder if legal jargon is pretty universal in English speaking countries, so I could certainly look up and specify whatever I get told to inquire whether or not there's something similar here... Good idea or?

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Had a look around for about 30 minutes on that site this morning and couldn't find anything about what a tenant should do in a situation such as mine. I fear that maybe this is a bit of a rarity in housing. Will this turn out to be a situation where I just need to wait for the lawyer and see what he says?

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I have no idea I am afraid, as it has already been noted, that this is a UK site with UK regulations and laws. It is probably best that you seek legal help within Canadian Laws etc.

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I have no idea I am afraid, as it has already been noted, that this is a UK site with UK regulations and laws. It is probably best that you seek legal help within Canadian Laws etc.

 

Darn. Fair enough. Thanks for providing the website link!

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Hi have a look at this link:

 

http://www.gov.mb.ca/cca/rtb/

 

Please also have a good read of this link from same site I do feel you really need to get some housing advice from an advice agency or your council to assist you in your local area.

 

http://www.gov.mb.ca/cca/rtb/gbook/s2tenagree_assign-sublet1.html also on this link near the bottom look out for Forms & Form Letters and have a look at the document Assignment or Subletting of Tenancy Agreement you will have to download it (its a word document).

 

This link is to The Residential Tenancies Act: http://web2.gov.mb.ca/laws/statutes/ccsm/r119ei.php

 

From what I have read it seems like the main Tenant has Sublet the property to yourself without seeking permission from the landlord and completing a Form 3 Assignment or Subletting of Tenancy Agreement for yourself as the main Tenant would need the landlords permission.

 

As this is Canadian Law and more specific a Housing matter you really need to seek advice on this so that you know exactly what your rights are try going to and advocacy, advice centre or you council housing department

Edited by stu007
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These PDFs may be of help:


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

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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Thank you so much for the links, Stu! I never thought about actually going to the Manitoba government site, oddly enough. I had a quick look over the .doc you told me to check out and it seems you're right that this is what I needed. I definitely didn't see any form or written agreement, and I will be printing this stuff out for my appointment next month. I now at least know what I need to ask about, thankfully.

 

Thank you again! This is superbly helpful.

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Your more than welcome glad to be of help

 

What you need to bear in mind is you have NO written Agreement and the Landlord is also unaware of your tenancy in the property.

 

You really need to seek advice on this as a matter of urgency to know exactly what your legal rights are with no agreement in place and no landlord permission I cannot stress that enough especially since the actual tenant with the landlords agreement is now using that against you.

 

My concern is the no agreement in place or landlord permission but as I don't know Canadian Law my best advice is that you need to seek advice on this as a matter urgently so you know what your legal rights are especially if eviction may be a possibility.


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

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

Please Donate button to the Consumer Action Group

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Your more than welcome glad to be of help

 

What you need to bear in mind is you have NO written Agreement and the Landlord is also unaware of your tenancy in the property.

 

You really need to seek advice on this as a matter of urgency to know exactly what your legal rights are with no agreement in place and no landlord permission I cannot stress that enough especially since the actual tenant with the landlords agreement is now using that against you.

 

My concern is the no agreement in place or landlord permission but as I don't know Canadian Law my best advice is that you need to seek advice on this as a matter urgently so you know what your legal rights are especially if eviction may be a possibility.

 

I understand. I think I might see if there's a temporary position at a local factory so I can foot the bill to see a lawyer in the city immediately rather than wait for the town's lawyer next month in July... I'm not sure if eviction is a genuine possibility, but my daughter is complaining about his presence rather often, my wife is starting to avoid being inside the house when he's around, and I'm left in an uncomfortable position where I can either keep trying to get him to leave or just swallow the discomfort and deal with it quietly. I'll be keeping quiet for the next month at least, just so I can figure out what my options are for this situation.

 

Thank you again!

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Hi

 

Have a look at this link on Find an Advocate as the one listed may be of help as they deal with housing and tenants (I know it says families and children but no harm in asking as they may help or if they cant may be able to point you in the right direction of somewhere else local)

 

http://www.povnet.org/find-an-advocate/mb/housing-and-tenants


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

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

Please Donate button to the Consumer Action Group

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Is there a way you might be able to find out who the landlord is? Here we have a legal register of ownership of houses and this gives a starting point. As you are at risk of losing the house, it might be worth discussing with whoever advises you.., if its worth contacting the landlord directly (with proof of the rent you've paid if you have it) and asking if you could rent from him directly. The worst that can happen is that you will lose the house. The best that you will be paying less rent and will be able to stop this guy u took the tenancy from from visiting when he feels like it.

Of course, I do appreciate this may be too simplistic a view. You may have to fund a deposit you don't have with a new landlord. But you might just be able to come to an agreement with him too. But before you do anything about this, I'd advise discussing all options and consequences with an experienced advisor of some sort.

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Is there a way you might be able to find out who the landlord is? Here we have a legal register of ownership of houses and this gives a starting point. As you are at risk of losing the house, it might be worth discussing with whoever advises you.., if its worth contacting the landlord directly (with proof of the rent you've paid if you have it) and asking if you could rent from him directly. The worst that can happen is that you will lose the house. The best that you will be paying less rent and will be able to stop this guy u took the tenancy from from visiting when he feels like it.

Of course, I do appreciate this may be too simplistic a view. You may have to fund a deposit you don't have with a new landlord. But you might just be able to come to an agreement with him too. But before you do anything about this, I'd advise discussing all options and consequences with an experienced advisor of some sort.

 

I echo this and this may actually be a point that isn't touched upon yet! If you can figure out who the landlord is and can provide records of your rent payments and proof that you do, indeed, live there, you may be able to force a situation of special circumstances. It may be wishful thinking, but after consulting with a lawyer you may want to consider that option. It would be naturally better if you can find a way to replace the current tenant and take over the contract, or maybe get a new, cheaper contract because of how poorly his/her tenant handled the situation!

 

Your lawyer will likely contact the landlord anyways, if there is anything to be done. Be prepared to move out at any given moment, just in case. You never know what your current landlord will do, or what the property landlord will do, or what the law itself will do.

 

Best of luck!! :)

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HI QubeHip

 

Just thought Id pop in and see how you managed to get on with this?


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

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

Please Donate button to the Consumer Action Group

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