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    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
    • It was settled by Barclaycard because I bought the car using my VISA credit card. Do you know if there is a time limit for taking the company to court to claim the consequential expenses incurred?
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PigPingu

Partner moved into my room in shared flat now paying %50 more for my room

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My partner is going to move into my rented room with me which is in a shared flat. I am paying £370 for the room currently and our contract is up for renewal at the end of the month. The landlord is happy with her moving into my room but is going to charge £170 (half my rent value). This means we are now paying ~£540 for the room which is £140 more than my housemate pays for a room twice as large as mine.

 

The landlords justification is that this is an industry standard (i.e. to charge half rent to the second person) is this the case? Apparently its to cover additional wear and tear. It seems more like greed to me as the deposit is to cover any damages and wear and tear should be expected and not covered by the tenant, especially not to the tune of £170/month.

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"industry standard"! This is a bogus justification.

 

Ultimately, though, it is for you and the landlord to negotiate. Landlord may be setting the rate just to discourage you.

 

Wear and tear is covered by rent, not deposit, and it will be higher. Also an extra person adds risk of various issues - e.g. doubles risk of a disagreement, causes potential problems with other tenant or risks them leaving the house due to crowding, increases risk of condensation (I've had this problem in my house when people have moved their partners in).

 

If you go ahead, it is important to recognise that there will be an impact on the other person in the house. Are they aware that a third person will move in and, for example, is there an agreement about splitting of shared bills (if there are any)?

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The other tenants are friends of mine and are happy for my partner to move in. We split all the bills other than council tax between us. We currently pay £35 each in our rent towards the council tax.

 

I didn't think that there was anything law wise I could use to back up an argument to pay less but thought I'd check. As you say it's up to the landlord to decide what they want to charge and us to accept it or move on.

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