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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Private Renting/Home Owner/Shared Owner/Leasehold etc Information


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ENGLAND & WALES ONLY

 

Citizens Advice England

https://www.citizensadvice.org.uk/

 

Department for Communities and Local Government

https://www.gov.uk/government/organisations/department-for-communities-and-local-government

 

Electrical Safety for Landlords – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-landlords/

 

Electrical Safety for Tenants – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-tenants/

 

Electrical Safety Responsibilities in Rented Homes – Shelter

http://england.shelter.org.uk/get_advice/repairs_and_bad_conditions/health_and_safety/electrical_safety_responsibilities

 

Frequency of Electrical Inspections/Test – Residential Landlords Association (RLA)

http://www.rla.org.uk/landlord/guides/responsibilities/electrical_inspections.shtml

 

Gas Safety for Tenants – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqtenant.htm

 

Gas Safety Landlords and Letting Agents – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqlandlord.htm

 

Gas Safety Register – Gas Safety for Tenants

http://www.gassaferegister.co.uk/advice/renting_a_property/for_tenants.aspx

 

Gas Safety Register – Gas Safety for Landlords

http://www.gassaferegister.co.uk/advice/renting_a_property/for_landlords.aspx

 

Homes & Communities Agency

https://www.gov.uk/government/organisations/homes-and-communities-agency

 

Housing Ombudsman Service

http://www.housing-ombudsman.org.uk/

 

LEASE – The Leasehold Advisory Service

http://www.lease-advice.org/

 

Leasehold law explained - Shelter

http://england.shelter.org.uk/get_advice/leaseholders_rights/overview_of_leasehold_law

 

Leasehold Property Guide

https://www.gov.uk/leasehold-property/leasehold-disputes

 

Park Mobile Homes Guide link

https://www.gov.uk/park-mobile-homes

 

Resolving Neighbour Disputes Guide

https://www.gov.uk/how-to-resolve-neighbour-disputes/overview

 

Private Renting Guide

https://www.gov.uk/private-renting

 

Samaritans

http://www.samaritans.org/

 

Shelter England

https://england.shelter.org.uk/

 

Tenancy Deposit Protection

https://www.gov.uk/tenancy-deposit-protection/overview

 

Tenancy Deposit Protection Enforcement Pack – National Union of Students

https://www.unipol.org.uk/advice/students/know-your-rights/deposits/tenancy-deposit-protection-enforcement-pack

 

The Association of Residential Letting Agents (ARLA)

http://www.arla.co.uk/

 

Private Renting - England & Wales Only.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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SCOTLAND ONLY

 

Citizens Advice Scotland

http://www.cas.org.uk/

 

Electrical Safety for Landlords – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-landlords/

 

Electrical Safety for Tenants – Electrical Safety Council

http://www.electricalsafetyfirst.org.uk/guides-and-advice/for-tenants/

 

Electrical Safety Responsibilities in Rented Homes – Shelter

http://england.shelter.org.uk/get_advice/repairs_and_bad_conditions/health_and_safety/electrical_safety_responsibilities

 

Gas Safety for Tenants – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqtenant.htm

 

Gas Safety Landlords and Letting Agents – Health & Safety Executive (HSE)

http://www.hse.gov.uk/gas/domestic/faqlandlord.htm

 

Gas Safety Register – Gas Safety for Tenants

http://www.gassaferegister.co.uk/advice/renting_a_property/for_tenants.aspx

 

Gas Safety Register – Gas Safety for Landlords

http://www.gassaferegister.co.uk/advice/renting_a_property/for_landlords.aspx

 

Park Mobile Homes Guide link

https://www.gov.uk/park-mobile-homes

 

Resolving Neighbour Disputes Guide

https://www.gov.uk/how-to-resolve-neighbour-disputes/overview

 

Private Renting Guide

http://www.gov.scot/Topics/Built-Environment/Housing/privaterent

 

Samaritans

http://www.samaritans.org/

 

Shelter Scotland

http://scotland.shelter.org.uk/

 

SPSO (Scottish Public Services Ombudsman)

The Scottish Public Services Ombudsman (SPSO) is the final stage for complaints about councils, the National Health Service, housing associations, colleges and universities, prisons, most water and sewerage providers, the Scottish Government and its agencies and departments and most Scottish authorities.

http://www.spso.org.uk/

 

Renting Scotland – Guides for Landlords

https://rentingscotland.org/landlords-guide

 

Renting Scotland – Guides for Tenants

https://rentingscotland.org/tenants-guide

 

Tenant Information Pack

http://www.gov.scot/Topics/Built-Environment/Housing/privaterent/tenants/tip

 

Tenancy Deposit Scheme Scotland

http://www.gov.scot/Topics/Built-Environment/Housing/privaterent/landlords/tenancy-deposit-schemes

 

The Private Rented Housing Panel (prhp)

https://www.prhpscotland.gov.uk/

 

Private Renting - Scotland Only.pdf

 

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

NORTHERN IRELAND ONLY

 

Advice for Tenants – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_tenants.htm

 

Citizens Advice Northern Ireland

https://www.citizensadvice.org.uk/

 

Electrical Safety – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_landlords/safety_landlords/electrical_safety_landlords.htm

 

Gas Safety Standards – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_landlords/safety_landlords/gas_safety_landlords.htm

 

Houses in Multiple Occupation (HMO) – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/hmo.htm

 

Landlord Registration Scheme – Housing Executive

Under the Landlord Registration Scheme Regulations (Northern Ireland) 2014 all private landlords must provide accurate and up to date information about themselves and their properties to the Registrar.

http://www.nihe.gov.uk/index/advice/renting_privately/advice_landlords/advice-landlord_registration_scheme.htm

 

Repairs – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_tenants/repairs_private_rental.htm

 

Samaritans Northern Ireland

http://www.samaritans.org/branches/belfast

 

Shelter Northern Ireland

http://www.shelterni.org/

 

The Landlord Registration Scheme Regulations (Northern Ireland) 2014

http://www.legislation.gov.uk/nisr/2014/9/contents/made

 

Tenancy Deposit Scheme – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_tenants/tenancy_deposit_scheme.htm

 

Your Rights as a Tenant – Housing Executive

http://www.nihe.gov.uk/index/advice/renting_privately/advice_tenants/tenants_rights.htm

 

Private Renting - Northern Ireland Only.pdf

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Private / Social Housing Renting Checklist

 

These checklists have been created by CAG to assist you the consumer when deciding to rent a property.

 

These checklist can be used for both Private and Social Housing and are a good way for you to keep a personal written record and there may be things you haven't considered.

 

the Checklists are as follows:

 

1. Rental Property Inventory checklist.

 

2. What to ask before you decide to view a property checklist.

 

3. Before signing or agreeing to a Tenancy Agreement checklist.

 

4. Fire Safety of the property checklist.

 

5. Property checklist.

 

6. Security checklist

 

Below is the first 3 PDFs

 

 

1 - Rental Property Checklist.pdf

 

2 - What to ask before you view a Property Checklist.pdf

 

3 - Before Singing or Agreeing to a Tenancy Agreement.pdf

 

 

 

Before Printing the PDF TIP

 

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Next 3 PDFs:

 

4 - Fire Safety of the Property Checklist.pdf

 

5 - Property Checklist.pdf

 

6 - Security of the Property Checklist.pdf

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

PRIVATE HOUSING JARGON BUSTER

 

Due to the amount of information it is in PDF format for downloading only:

 

 

Private Housing Jargon Buster.pdf

 

Before Printing the PDF TIP

 

If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following:

 

Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out).

 

Note: This will save you Ink & Paper

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 1961 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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