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    • Commercial Landlords are legally allowed to sue for early cancellation of the lease. You can only surrender your lease if your landlord agrees to your doing so. They are under no obligation even to consider your request and are entitled to refuse. You cannot use this as an excuse not to pay your rent. Your landlord is most likely to agree to your surrendering the lease if they want the property back in order to redevelop it, or if they wants to rent it to what they regards as a better tenant or at a higher rent. There are two types of surrender: Express surrender in writing. This is a written document which sets out the terms of the surrender. Implied surrender by conduct. (applies to your position) You can move out of the property you leased, simply hand your keys back and the lease will come to an end, but only if the landlord agrees to accept your surrender. Many tenants have thought they can simply post the keys through the landlord's letter box and the lease is ended. This is not true and without a document from the landlord, not only do you not know if the landlord has accepted the surrender, you also do not know on what basis they have accepted and could find they sue you for rent arrears, service charge arrears, damage to the property and compensation for your attempt to leave the property without the landlord's agreement. Unless you are absolutely certain that the landlord is agreeable to your departure, you should not attempt to imply a surrender by relying on your and the landlord's conduct.  
    • I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do mediation and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out     .
    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
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Suzy H v RBoS


Suzy H
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Hi - just moving over from the DCA posting as have now got round to posting off my SAR yesterday by recorded delivery to :-

 

Royal Bank of Scotland

Senior Customer Relations Manager

Freepost

PO box 1727

Edinburgh

EH12 9JN

This account is being handled by Wescot DCA but 'do not acknowledge any debt to their company' so will (as always) keep you updated on developments.

Thank you :-)

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Received a nice letter today (dated 26 October) from 'Mrs M Carpenter' (same person who wrote to me re my Tesco account) confirming 'safe receipt of [my] postal order and that copy statements will be sent to [me] within the 40-day timescale'

 

Marvelous :wink:

Thank you :-)

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Good luck Suzy and keep us all informed.

 

Stacy xx

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Recieved my statements today so out with the highlighter it is 29_1_14.gif

 

Just a quick question ... I have noticed 5 x £25 'unpaid convenience cheque fees' oops - can I also claim this back?

 

Cheers

Thank you :-)

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yeah I should think so Suzy!

NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Added up the late payment fees and the unpaid convenience cheque fees and get a grand total of £305 icon7.gif Will draft my prelim letter tonight and post tomorrow.

 

quick question ...

 

I have, for example,

 

14 JUN LATE PAYMENT FEE 20.00

14 JUN INTEREST - SEE SUMMARY 14.85

14 JUN INTEREST - SEE SUMMARY 28.45

14 JUN INTEREST - SEE SUMMARY 0.26

 

In the 'summary of balances' the interest is purchases, cash & convenience cheques. Don't suppose I can claim any of those interest charges back can I :confused:

Thank you :-)

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  • 4 weeks later...

hi suzy,

 

good luck, hope it all goes well.

 

im still languishing in the prelim letter stage, trying to work out what interest to go for.....i think im stalling myself instead of just going for it..:)

 

The RBoS statements are really hard to decipher....is that deliberate??:lol:

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

For sure it's deliberate - I guess anything to put us off claiming :rolleyes:. I'm still just going for the 8% interest to be honest, as claiming the higher rate is still over my wee head :lol: never mind i'm happy with what i'm going for.

 

They received my letter on the 8th but I have not even had an acknowledgement from them, never mind the standard bogoff letter, so i'll keep you posted on the outcome of the LBA.

 

Nothing ventured nothing gained TD - go for it and before you know it you'll be running down to the bank with your cheque.

 

Good luck

Thank you :-)

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  • 2 weeks later...

hey suz,

 

did you MCOL the RBOS?(i love acronyms:))...following this with interest as i'm going to do the same in the next 4 weeks.

 

cheers

**ROYAL BANK OF SCOTLAND

2/11/2006 - Sent S.A.R - (Subject Access Request)

16/11 - Statements Received (envelope slightly torn, no cover letter)

18/11 - Acknowledgement of S.A.R received

12/12 - Prelim Letter Sent Recorded Delivery To Local Branch

30/12 - Offer received for all charges minus interest

13/01/07 - Letter of rejection sent,along with new prelim (adjusted interest calculated)

29/01 - LBA sent recorded delivery

**NATIONWIDE**

5/11/06 - Sent S.A.R - (Subject Access Request)

13/11 - Acknowledgement of S.A.R received

23/11 - Statements Received (Special Delivery with cover letter, very impressed, good service)

12/12 - Prelim Sent Recorded Delivery To Local Branch

13/01/07 - New Prelim sent (adjusted interest calculations)

29/01 - LBA sent recorded delivery

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Hi TD

 

Haven't gone to MCOL yet ...

 

... but meantime I have received another letter -- this time from Gareth Gerreli with the usual standard response.

 

I was going to wait until after Christmas to MCOL so I could give it 100% of my attention.

 

Good luck with your claim and i'll keep you posted :wink:

 

Suzi

Thank you :-)

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  • 2 months later...

Good morning guys

 

Received some great news this morning -- from The Royal Bank of Scotland Group, Group Litigation, 1 Princes Street, London, EC2R 8PB.

 

The letter dated 16 March 2007 has a cheque enclosed for the full value of my claim (£536.30 ).

 

Really chuffed :) and as always ... thank you to everyone for their advice, guidance and support.

 

Suzi

Thank you :-)

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