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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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I signed a 12 month AST which was due to expire 19th December 2014. Once I had given my notice to the letting agent that I was not going to renew (I have bought a house) then agent asked if they could begin viewings for a potential new tenant, so we allowed this. They found a new tenant quickly and asked (via telephone) if the new tenant could move in at the end of November. We completed on the house in October and so the keys were handed back on 25th November 2014 on the basis that this was a joint and voluntary surrendering of the tenancy agreement. This was all done via telephone and nothing received in writing.

 

I wrote a letter, which I took with me when I went to the letting agent to handover the keys (see attachment). The letting agent wrote 'return of keys only' underneath and signed it. I have received no other communication from the letting agent to say that the tenancy agreement has ended and I presume I am still bound by it.

 

The deposit has not yet been returned, despite me asking for it.

 

I have cancelled the standing order for the rent and am worried that I am still liable for the last month of rent. Have I been evicted? Where do I stand legally?

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You have not been illegally evicted, you vacated voluntarily and returned keys on 25 Nov to Agent.

Unfortunately there was nothing in writing about mutually agreed surrender.

Assuming T commenced 20 Dec 13 and rent payable pcm in advance, you maybe liable for rent due 20 Nov 14, however a reasonable LL may disregard in acknowledgement of your co-operation.

Send LL a Letter before Action asking for return of full deposit within 14 days, to AST 'address for service of Notice', prob LA address, reminding him he benefited from your early departure. If no reply, be prepared to lodge a MCoL claim. cc LA.

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Thank you mariner51. I have already sent a letter asking for return of deposit, which has not been acknowledged. I've opted for the MyDeposit dispute resolution rather than court proceedings at this stage (but this does not seem to preclude me from raising court proceedings at a later date). Rent was paid 20th November for a full month (but as I vacated early, with letting agents verbal agreement, am I therefore due a partial refund?). Standing Order has now been cancelled, there will be no further rent payments.

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Full rent for month (20 Dec - 19 Jan) was payable on due date, any rebate is at discretion of LL. Sorry.

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Has a new tenant moved in, and if so, when?

 

They cannot charge you rent and also charge the new tenant rent. But if the tenant ended up not moving in at the end of November, it may be that they have done you up like a kipper.

 

Alternatively, they are slow and inefficient. Have you spoken to them?

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agree with Steve, LL cant get paid twice! can you check if new tenant actually moved in?

Also have you informed scheme you have moved out and they should contact LL or agent about returning deposit within 14 days!.

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The new tenant moved in on the 30th November (I have checked, I live nearby). I have informed the MyDeposits that I have moved out and new tenants are in. Agent ignores requests for return of deposit by stating "waiting for landlord to make a decision on deductions for gardening". It's been 4 weeks since I handed the keys in!

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Well if you have advised my deposits, they should be chasing it; get dispute resolution going and indeed possibly start court proceedings.

Send a letter before action to LL and agent for return of deposit within 7 days or you will go to court.

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