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    • Thanks for your prompt reply. I have some questions, please: When you say nothing will happen, my 80 year-old mother is worried about potential DCA doorsteppers if/when the debts are sold on - she is a very sweet, quite vulnerable lady and she is worried she may be bullied and harrassed.  If they do come knocking, what should she say?  I told her to say she knows nothing about any of it and they have no right to come knocking on her door and to warn them police will be informed if they come back.  Problem is, I don't think she would be strong enough and can easily be bullied into saying more than she intended once the door has been answered. Next questions: 1)  Should I inform all my lenders that I have moved abroad before defaulting (to avoid the quirky English law loophole thingy that could end up in a CCJ or worse once a DCA gets hold of it)?  2)  Can/should I provide an alternative UK correspondence address to my lenders instead of my mother's home address e.g. my virtual office address for my business - would the lenders accept this as I live abroad now and don't live at my mother's address?  Can I just write and tell them, without any further ado and not get into any further questions about it and cease further correspondence with them and default?  And would this stop DCAs coming to my mother's house as it would not be my current residential address on the lenders files when passed to the DCA?  Do they doorstep previous addresses? 3)  If I don't provide a UK correspondence address will I be at risk of not being aware of any Letters of Claim etc and legal proceedings notices etc not reaching me (there's no reliable postal system in the developing country I've moved to).  Worried this would mean I could end up being taken to court without being aware of it and could end up in a worse situation. 2) What exactly will go on my credit file once I've defaulted, assuming no legal action is taken against me?    4) Should I contact any of my lenders and inform them I have zero assets.  TSB & Sainsburys already have I&E info from me which shows my income  @ £1200/mth is below the combined total of my debt repayments @ £1300/mth and that my income only just covers essential costs of living @ £1200/mth.  Could it be useful to be on my file that I have no assets, so that the DCA clearly see this when the debt is passed to them? Thanks again for any advice.
    • paypal, but i would like to know if anyone knows if there is a certain time limit they have to refund you? thanks
    • Dear lookinforinfo, I'm sorry if I seem stupid, but what exactly am I telling them? -what code/ law / standard have they broken that I will use as an argument in letter? I don't understand the premise of your argument.  I would appreciate it if you could explain it to me clearly and in simple terms so that I understand.  Thank you   
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Emergency Help Needed With Unreturned Deposit


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Dear Dearalls,

I would appreciate it if you could give me some advice on the following matter.

My partner and I moved out from the flat in June, in good faith that our £1200 would be returned asap (little did we know). After sending continuous emails to the landlady she finally replied in September saying that she was appauled by the state we left the flat in. She basically claimed that we left it dirty, with burned out bulbs, cigarette stains on the bathtub (!), burned carpets etc etc. She stated that after she had all that replaced she would refund our deposit. Quite politely I then replied that we agree on having the house cleaned professionally but none of the rest and that if she persisted we would take legal action. Initially she got shook up and she said that if we paid the bills (which we had) she would give the deposit back minus the cleaner's fee. however after 20 or so days, she contacted us and said that she doesnt care about anything (bills, cleaners, etc) but only for the replacement of the bathtub. I told her to send me a quote and she did send me one for £1071 (195bath+876installation!!).

I send her an email saying that we would not mind paying for the bath but not for its installation and yet again threatened with legal action, but so far no reply as such!!

Unfortunatelly for us she has statements from witnesses (god knows who) that with our actions we deapreciated the value of the house and that she has photographs of the condition we left it in...The house was left in an intact condition and noone was there to inspect it when we did actually leave, while as I mentioned before, she took over 4 months to reply to our emails. We hold the tenancy agreement and all the emails that we sent her (and her few replies).

We would really appreciate your input as to what we can do. We have now ceased caring about the money per se and we only seek to see some justice done! Do we stand any chance of getting our money back?!?!

Thanks in advance for the input and time...:)

Aris+Maria

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Did you and your partner have an entry-and-exit inventory? Photographs of cleanliness/damages? I would have thought that after this length of time, without those, she would be unable to prove that what she is saying is true (that you caused the damage). I would give her 14 days in writing to refund, then consider MCOL.

 

 

...Plus - why would it cost £800 to install a bath?

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unless you signed agreeing to the pictures/state of the property it won't carry much weight. If you still have copies of the emails/letters with you being more than reasonable and offering cleaning and the new bath that should also hold you in good stead. The time is past for idle threats, send a letter recorded delivery giving 14 days to return the deposit and failing that apply to the small claims court.

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There is a template letter here, plus read through the ARLA regs - very interesting.

 

Unfair deposit deductions

 

Also some good advice here Shelter: Advice and support .

 

Good luck, Joan

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Without meaning to be cynical....but why did you agree to pay for the bath if you feel you did not damage it?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Massive thank you shout out to Jhawc24, blacksheep1979, demon_x_slash, and to MrShed (we only agreed paying to show good faith to resolve the issue out of court, and because we assumed that the cost would be more or less equal to cleaning the flat). We had an entry invenotry, that simply stated the number of items that were on the flat, not their condition (we do not have that in our possesion). No exit inventory as noone was there to inspect, and it was only after 3 months that she replied and nagged about the condition of the flat....we have never been shown the supposed photogrpahs, and ofcourse never agreed or signed anything as we have never actually met the woman!!! Two questions to clarify:

Is the letter in this link Unfair deposit deductions the LBA? If not where can I find a template for that?

I also asked her to confirm her address as this is stated in the contract, which she hasnt. I will email her the letter, and also post it to the address I am provided with in the contract, but if she does not actually live there, can she claim in the court that she never received it...

Again thanks to you all....You give us some faith that we might actually see some light in the tunnel...

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The letter is just a template for you to adapt to meet your needs, you just reiterate your request for return of deposit less any agreed amounts in your LBA letter.

 

All letters I have sent to my ex landlord have been by signed for; however most prefer to use special delivery as Royal Mail don't always have the signed for, signed for! If that makes any sense.

 

Good luck!

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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The letter before action can be any letter advising the opposite side of impending legal action. You just need to put Letter Before Action at the start of the template letter and adapt it to your situation. Stick to the facts, give as many dates, times, and so on, that you can - shows that you're on top of the situation and know what you're talking about - and state step by step exactly what you intend to do if your money is not refunded. I.e.: If you do not reply to this, we will allow another 14 days, if no response, we wll be claiming, etc.

She was legally obliged to give you her address during your tenancy. If she's not forthcoming, do a search on the property through Land Registry, they'll have it on file. As Jhawc24 said above, send by Special Delivery, because RM's service is rubbish. At least with SD you're reasonably sure it's going to get to the right person.

 

Oh, and obviously, keep copies of everything. Do everything by paper too; avoid phone conversations as unless you're recording them it's your word against hers.

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