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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.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • 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.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Rossendales Collect old littlewoods cat debt for Arrow Global


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Hi

i received a letter a couple of week's ago from Rossendales Collect so

 

i contacted them through email asking what the debt was for

which i got a reply today with the date the debt was for which was May 15th 2004.

 

I know that would make it statue barred for sure.

 

on reading further down letter i got today it state's i made a payment in 2009 which i can't recall doing so.

 

i contacted them again asking if they can provide prove of where the payment was made.

 

The thing i am asking is did i do the right thing or not as not sure if they would lie in a letter with date on which payment was made or not?

 

And if there's any way i can find out my credit file for free as lack of money to pay anthing?

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Noddle is free,

Wait and see what rossendales come back with and if its unsatisfactory the reply request

Payment date

How payment was made ie card,SO,Dd,cheque etc

From who payment was made

Amount paid

if payment was made over the phone ask for telephone no used

try and get as much info from them as possible.

 

this is just my advise others will be along shortly hopefully.

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Tell them to prove the payment. Dcas are known for in enting payments to trick a person. When challenged theyll say it was an admin error.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok thanks for the help i will wait for a reply on the stated date i was supposed to have paid something to see what they come back with and i will try noddle out and see if anything is on there at all

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Ok so i just checked my credit report on noddle and ok my credit score isn't high but knew that and i can't find anything in connection with the debt Rossendales states i owe on and made a payment,now if i made a payment back ion 2009 would it show up on my credit file or not as can't see it at all?

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That's what i thought as well and tried to find it on there but nothing at all from 2009 on there just one's from last year but most paid up in full as used to goto BH till a dis agreement..i will wait and see what response i get on me contacting them today and see if it was an error on their part trying to get me worried etc

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oh how unsual

 

rossers and the debt that does not show

and the famous phantom payment!

 

what was the original debt all about

 

do you even know?

 

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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It's for Littlewood's

 

which Arrow Global had got and

 

now it's been passed onto Rossendale Collect,

 

and they are the one's stating in letter i got today that i made a payment in 2009

 

but can't find it on my credit file on noddle,

 

also when i contacted them today i put an old phone number as asked for one

 

they can't call me at all time's of the day

 

only got letter to send to me instead and also no signature of mine on file either

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oh dear usual crap them

 

an old cat debt

sprobably mostly made of PENALTY charges

 

sold to arrow Global

 

then passed to rossers to 'collect'

 

then they claim a phantom payment.

 

so you've already sent the SB letter

have you sent them a cca request

yet?

 

you could also demand a full copy of the payment details

 

by whom

by what method

from which bank account

 

bet they came back and say it was via a payment slip at a bank counter.

 

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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I haven't sent them the SB as of yet but will once they get in touch about my quire about the payment as i asked for prove of said payment and where it was paid etc,i'm also seeing a debt adviser on friday and sure they will help with getting this sorted but if not i have done other's myself with success...also i didn't send them a letter about the payment that was supposed to have been made i sent them a email so waiting on a reply from that which will more than likely be a letter in the next week or so.

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Hi

As DX has asked, have you ever done a CCA request?

 

It is not unknown for the creditor to put the £1 fee into the account of the debtor, resetting the SB clock. This can and has been challenged.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 4 months later...

Just thought i would say that this post can be closed now due to me writing to Rossendales to get proof of the payment i was supposed to have made and i haven't heard anything back and that was over two month's ago so my guess is they don't have any proof of stated payment in the letter i received from them

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