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    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi. My 1 year tenancy agreement has just ended and the landlord has visited the flat to check it over before the deposit can be released. fyi the deposit is held by DPS


Last week the landlord sent out a document detailing what had to be done upon my exit of the property.


It contained quite a few things but the following especially stood out to me (not exact wording):

* All light bulbs must be in working order. if not there will be a charge of £30 for 1 to 4 bulbs and more charges if 4+

* Flat must be professionally cleaned. Including Carpets.


I've looked through the tenancy agreement that I signed before moving in last year and it does say that light bulbs need to be replaced however does not state the charge. Likewise it doesn't mention anything about professional cleaning


Surely the tenancy agreement is the binding contract and that if I breach the contract by not fulfilling the term to replace the bulbs then the remedy would be damages, which should be the true cost of replacing the bulb!...not a standard charge of £30


Some bulbs are within a fixed fixture that I can not get into. I told this to the landlord. I said i was happy to buy the bulbs but that I can not physically change them! He said the charge would be £30 regardless!


This seems unfair to me and I don't know how the landlord will justify the charge to DPS when trying to deduct this


re the carpet......it is dirtied by the door as you walk in. Can this be classed as general wear and tear?


Again, the tenancy agreement doesn't say the carpet needs to be cleaned, however the landlord is trying to charge for this because he sent a list of "things to do before you move out" and charges last week.


In summary, should I just disregard the document that he sent out last week and just concentrate on ensuring the terms of the contract (and inventory) are fullfilled? Obviously, I can't replace the bulbs but I'm not paying £30!


It's principle more than anything.

Edited by Bentham7246
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Hello there.


I think at this stage as there are no court proceedings involved [at least that's my understanding but your post is a wall of text], I'll move your thread to the lettings forum. The guys there should be able to help.


I'll leave a short term redirect for you to follow from this forum to the new one.


My best, HB

Illegitimi non carborundum




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PS You can edit in some paragraphs by clicking on Edit Post in the grey band at the bottom of your post.


Anything you can do to make it easier to understand will get you more advice. :)



Illegitimi non carborundum




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Welcome, by your own admission there are some bulbs that you cannot replace, so prob not your basic 100W bayonet fitting.

LL is entitled to return of property to similar condition at start, less reasonable allowance for fair wear & tear, so if LL can show property was prof cleaned at start of T, that is the benchmark. Tracking muddy shoes across lounge carpet or upstairs is not FW&T IMO. You may have kept a household pet with or without LL permission. T & LL ideas of clean can vary wildly so the requirement for an ind prof clean at start and end of T is a reasonable request as this will not rectify normal wear & tear but abrogate some T routine cleaning deficiencies.

AST only has to state LL & T responsibilities, not detail cost of rectification as this will change with time.


LL has provided estimate of cost of expected deductions from deposit. If you disagree, then you register a dispute with DPS ADR or claim for deposit via SCC. In both cases LL will be required to show his proposed deductions are 'reasonable'

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Thanks for the information mariner51I've actually managed to get into the lighting fixtures (with a little help from my dad :-) ). So I can now fit the bulbs myself without fuss. Just the carpet issue now. I admit it's not perfect but it's looking like it was when I first moved in so hopefully i'm not charged.

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The LL has come back with £30 quote to replace two bulbs for the bedside lamps. I had replaced these lamps the other day because the previous ones had broken but forgot to buy the bulbs. They take the cheap bayonet ones.


it fair for to dispute the charge of £30 to replace bulbs that cost £2 each?

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It is T's responsibility to replace light bulbs or pay replacement service cost.

£30 will hardly cover any call out fee and most contractors would be miffed if called out to replace 2 cheap light bulbs.


You had chance to pay £2 for 2 bulbs when you replaced the bedside lamps, but 'forgot'.


IMO it shows you did not adequately check property before vacating, or perhaps hoped that LL would not deduct deposit for a few ££.

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Thanks. I will dispute regardless . Ll is in the flat currently painting so he probably put them in himself. No call out fee necessary. Suppose I will let dps decide as they're the ones holding my money

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