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    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
    • Hello all, just got this from my bank today.   ” Update on your payment refund As you know we temporarily refunded the amount(s) of £381.98 to your account pending investigation. We’re pleased to confirm that an additional amount of £359.99 has also been refunded to your account by the retailer on 18th March 2024. What will happen next To correct this situation, arrangements will be made on 6th June 2024 to reverse the original refund supplied from us.  Our file in respect of this matter will now be closed, which we trust is satisfactory.”   Not sure what to do as I was previously told if I hear nothing back after a certain date that would be the case closed now it’s been changed to the 6th of June. and as you see I’m not getting a full refund I don’t know wether to contact them again and try to get the £20, or if I even can at this point? Thanks again.   
    • Is your current mental health causing you to apply negative thinking? If the answer is yes, then you should get some advice. The following website link enables free mental health support. https://atw.maximusuk.co.uk/?utm_campaign=EMP-ATW-B2C-B2B-leadgen &utm_medium=PPC Google Text&utm_source=Paid Seach&utm_term=maximus mental health&
    • So even if they do repair it in time, you still need to get a marquee etc? If they don't repair it in time, you have to find a new venue? I'm confused?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The letting agency from the apartment we have recently moved out of tried to charge us £300 for a new bath which they said we had damaged even though the damage would seem to be wear & tear.

 

After arguing the case we have been told that we will be charged £200 to take into account depreciation on the grounds that when you leave a property you can't be charged for the cost of a replacement, but can be charged for the value of the bath when we left the property which seems reasonable.

 

However they letting agency is trying to charge us £150 for 'decor' ie to paint over marks on walls.

 

I would suggest that given that decor has a lifespan of 3-5 years in a place like that (a point which was agreed by the letting agency) & the property was four years old when we moved out then it is unreasonable to charge us the full amount. Theoretically for sake of argument that the decor has a lifespan of 5 years & we moved out after 4 years then we should be charged £30.

 

However I have no idea of what the regulations or laws regarding this state so would appreciate any helpful advice on the subject?

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Again, it is a "fair replacement" cost. So in this case, you would not be expected to foot the bill for full redecoration, only a proportion based upon age and condition.

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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There is a template letter here, plus read through the ARLA regs - very interesting. Surely marks on the decoration are counted as fair wear & tear!

 

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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I have got the list of cost from the contractor who did the work on the flat, which is as follows:

 

£40 to:

 

straighten curtain rail (due to the curtains being too heavy plus the fact that the letting agents had been out to sort this while i was there)

 

repair a chip in the laminate flooring

repair a chip in the door

 

£10 to:

 

repair a blister on the work surface

 

£40 to:

 

plaster over small chips in the wall

clean stain on carpet (which was caused by water leak)

 

£30 to:

 

straighten curtain rail in bedroom (due to the curtains being too heavy plus the fact that the letting agents had been out to sort this)

paint over marks on wall

 

£30 to:

 

paint over marks on wall of the hall which were caused by the fact that the door was supposed to be spring mounted & close slowly but this didn't work therefore used to close quickly thus making it impossible to get into the flat with shopping/luggage without brushing against the wall.

 

given that the stain was caused by a water leak i dont get how i should be responsible for this cost, similarly with the curtain rails.

 

the actual costs of the redecorating work don't seem unreasonable but am i right in believing that despite this i shouldn't be liable for the full cost?

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