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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
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    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
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Home Direct Group unwilling to correspond through email/letter


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Hi everyone!

 

I currently have 4 catalogue accounts with the Home Direct Group (Littlewoods, Woolworths, Isme and Very)

and due to a recent change in circumstances am unable to make my usual payments.

 

I have emailed all 4 catalogue's explaining my situation,

offering them a token payment and explaining that I would like interest and charges frozen

as well as a review of my circumstances in 6 months time.

 

I also mentioned that I would like to keep all correspondence via email or letter (So that I have proof of what has been said).

 

I have received emails back from all 4 catalogue's explaining that,

although they are grateful for me keeping them informed,

I need to speak to the Arrears Department who can only be reached via telephone apparently.

 

I have wrote back to each catalogue saying that I am not willing to contact them via telephone

and asked what they may suggest I do.

 

I have yet to receive any further advice from them.

 

Does anyone have any advice they can offer me?

 

I am insistent on keeping all contact to letter and email only as they do not have my telephone number

and I don't want them getting a hold of it.

 

I am keen to get all of this sorted prior to the threatening letters and knocks at the door.

 

Any help would be very much appreciated!

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It is your absolute right to communicate in writing and the company has an obligation to honour that request.

 

You should write / email along the lines of the following.

 

 

Dear Sir or Madam,

 

Account reference

 

I have contacted you about the change in my financial circumstances and have requested that you accept a token payment of £ XX, and also that you cease adding charges and interest.

 

Your insistence that I contact your Arrears Department by telephone is very worrying. I do not wish to make contact by telephone and the OFT advise that you must communicate in a manner that is acceptable to me.

 

I would also appear that it is my legal right to communicate in writing under Article 8 of the European Convention on Human Rights and prevents any misunderstanding.

 

I trust that you will now respond to my offer at the earliest opportunity, in writing (or email).

 

Yours etc,

 

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It took me two months and about 6 letters,

 

one being a formal complaint before they replied to my request for reduced payments,

 

I havent got the letter to hand at the moment but will find it out and post the dept tomorrow,

 

if I recall its the special collections department that deals with this,

 

the arrears dept just sends out threats.

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shop direct group not Home Direct.

 

this is the course to take:

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

..................

 

 

sent ONE SAR to shop direct

 

get all the statements.

 

I bet you'll lots of PENALTY charges & p'haps PPI? to reclaim?

 

stick by your guns

 

cat debts are VERY low priority.

 

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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Thanks for the replies everyone.

 

I have wrote back to the catalogue's using the advice given and received this reply today;

 

"Unfortunately, we don't have any further advice as this is a Financial Services query and we do not have the training or facilities to deal with this part of the account.

 

I have spoken to our Arrears and they have advised that their only method of contact is telephone and that if you are unable to call them, then we can pass them your number and they would call you.

 

If you would like us to arrange this, please let us know the preferred phone number.

 

Apologies we couldn't help any further"

 

As Shop Direct do not have a sole email address (at least not that I can find) I have been sending the same emails to each of the 4 catalogue's, the above reply is from Isme, I also received this one from Very.

 

"We have passed your details over to our Accounts Team regarding the issues you have raised and an advisor from this team is reviewing the information provided - should we receive any information from them then we will contact you with an update"

 

I understand that all of these catalogue's are part of the same company. As I have received 2 different replies should I now write to Isme, Littlewoods and Woolworths and explain that I would like the same course of action taken by Very with them also?

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I would simply write ONE LETTER

 

to the shop direct address

Shop Direct Home Shopping Limited.

Registered number: 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB

 

 

 

dear sir/madam.

 

with ref to account numberS

ISME me XXXXXX

Very XXXXX

Littlewoods XXXXX

Woolworth XXXXX

 

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £X for 6 mts. on each above account.

 

i will update you in 6mts time or before, should my situation change.

 

could you please as a reciprocal goodwill gesture,

refrain from levying any penalty charges & freeze the interestlink3.gif on my accounts.?

 

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevant bodies and authorities that govern you and the way you conduct yourselves.

 

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the accounts,

as your actions would do nothing to help me.

 

i thank you for your time.

 

signed

.

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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