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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Sub-letting in student accommodation, landlord does not know - in a spot - help


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My daughter has moved into a private accommodation student house sharing with four others splitting the rent between the four.

 

It now transpires that one of the four has a girlfriend who also lives there all the time (in a full time job)

that wasn't mentioned at first and she is not on the lease.

 

They have now asked my daughter never to mention this girl to the managing agents as she is not supposed to be there.

 

She shares a room with her boyfriend and they pay half each of his rent.

 

Our question is - can this void my daughter's lease as she is unhappy there

- the girl in question is 'queen bee' calling the shots and generally bullying my daughter

and she wants out but has signed a lease with me as guarantor.

 

Any help would be appreciated.

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prob void the whole lease for all of them.

 

either way she will be complicit when the truth comes out.

 

diff one to call

 

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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Biggest problem is as all other tenants are students no council tax is due on property. This other person's presence will really screw it up for them and the landlord if the council get wind of it. her best bet is to get someone else to take over and assign the lease. Best get LL to agree to that and if it is not possible tell the girl in question that the nuclear button will be pressed if she doesnt sort herself out.

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Biggest problem is as all other tenants are students no council tax is due on property. This other person's presence will really screw it up for them and the landlord if the council get wind of it. her best bet is to get someone else to take over and assign the lease. Best get LL to agree to that and if it is not possible tell the girl in question that the nuclear button will be pressed if she doesnt sort herself out.

 

Thanks so much for telling us this - a point we hadn't considered. It turns out it is joint tenancy between daughter and 3 others. She didn't know about this girl as we don't live near and its only when she moved in the others have said 'don't tell the estate agents'. Seems she has no choice but to let someone know.

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If she doesn't want to be there and the other woman does, suggest that the other woman takes over her place in the tenancy - that way no one needs to know that she was living there without consent or knowledge of the landlord. If they refuse (obviously the couple are trying to reduce their own outgoings by increasing other people's if they share one quarter of the rent between them (they should all be paying one fifth)), then it is an easy matter for your daughter to inform the landlord that there is an additional person there and she does not want to be held responsible for any damages that person might cause and would therefore like to be released from the tenancy. LL might not be pleased, but better for someone to inform him before there is a problem.

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If full time, employed 'queen bee' agrees to assigned joint lease (unlikely), the property would lose C Tax-free status and rent or outgoings would increase for all. This cuckoo full-time occupant is increasing utility bills and risk of T damage by ~20%.

Rather then queen bee she is on thin ice legally.

I assume your dau cannot vacate T without LL agreement, prob requiring her to find acceptable assigned joint T

I do not know if other Ts are mice or wo/men but worth calling a joint Ts meeting to require tenant with offending g/f to contribute 2 fifths rent, deposit and utility costs does not sound unreasonable. Otherwise make it clear he is no longer welcome as joint T

If any joint T has a gaurantor then the G should be apprised of their increased liability.

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Thanks for all replies - it seems to be a can of worms! We have decided to tell the managing agents and let them sort it out. The girl has brought it on herself and really why should all the other legal tenants be helping her with subsidising her rent. I am going to do the dirty deed as as a guarantor I have a vested interest. I let you know how it goes. Don't like to dob people in but this situation is too tricky. Thanks again. I'll post how it goes.

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Hi Everyone, a quick conversation with the letting agent has meant 'queen bee' and her boyfriend are leaving. Council tax was mentioned. Other people are looking at the room so it means a fresh start for all of them in there hopefully a bit more democratically this time. Thanks to all who helped.

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