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    • Hey everyone, as I'm new here I'd just like to give every1 a big hello 😃. My 1st question is, am I legally entitled to ask my loan provider for a full summary statement of my account including all interest charges?  I am experiencing issues with a loan provider. They sent me a statement out in january with what I though was an error. When I rang them up to query it, they said that the numbers was correct it's just the system couldn't generate an accurate statement and that the number in front of them was correct and the statement I received wasnt accurate but it looks like there was nearly £300 interest added in 1 month on what at the time was around £1,900 outstanding balance. This has went on for months with them ringing me basically threatening me over the phone with damaged credit ratings etc, for missing payments but I said I wasn't making any payments until they sent me an accurate summary of my account with all the interest and payments in and out of the account. They have sent me and attachment on an email with something that looks like something someone knocked up on word which is even more confusing than the last statement, even worse, it doesn't show any interest charges on the account. Providing the original query was for incorrect interest charges I find this extremely frustrating. Now they have sent a letter and an email saying if I dont pay the last few months payments by the 14th of June they are proceeding with legal action. I dont have that cash spare at the minute with me being on a reduced wage at the moment. Any help or advice is going to be hugely appreciated and I think yous all in advance.
    • dx100uk, Noted, thank you. Also an oversight on my part for not hiding my address -put it down to a Senior moment.
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Morning All


Can anyone clariffy please.

Does the Landlord or there agents have to put a deposit from October 2006, into a TPS,

my ex landlord seems to think that they had no legal obligation to do so.





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Yes I believe so, we did this with our property as a requirement when first rented out in 2006.

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In England and Wales, if you rent your home on an assured shorthold tenancy that started after 6 April 2007, your landlord must place your deposit in one of the following tenancy deposit protection (TDP) schemes.


Please look at this Government link will give you more information: https://www.gov.uk/tenancy-deposit-protection/overview

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the problem comes if the tenancy reverts to a PST after the 7th April 2007; the deposit must be protected as it is deemed a new contract; the original AST has ended. ( this has been decided in a recent court case ).

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