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    • Thank you honeybee if you would my head is mashed now. You guys our savers.  H
    • You can edit the answers to be in red or would you like me to do it? HB
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    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? Overdales solicitors  How many defendant's  joint or self ?  Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account 4546384809766042. The defendant faild to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. The dbt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  Online but it was for a smaller amount they kept on increasing this with me asking Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor?  Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment?  May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
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A long story about landlords and deposits that may help you


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I've been having some trouble with my old landlord over the past couple of months, on the old chestnut of getting the deposit back. I thought I'd tell the story here, partly because this forum helped me get a lot of things straight, and partly because I think some parts of my letters may make useful templates for others with the same problem. You will recognise in my letters parts of templates already posted here.

 

To give some background, we had lived in the property for exactly a year with no problems in rent etc. Monthly rent was £1200, and we had given a deposit of £1510. At the start of the tenancy I had toured the house, removing hideous paintings and ornaments, wrapping them, and putting them in boxes in the loft.

 

At the last minute, our new landlord delayed us by a week, so we paid £300 to the landlord of the current place to let us stay on for another week. We paid this from the deposit meaning we then had £1210 to come.

 

Towards the end of the tenancy we fixed up a few things like toilet seats to get the property back into comparable condition to how it was when we moved in. A window had spontaneously broken in the middle of the night, which we eventually paid for as the landlord blankly refused, indirectly accusing us of lying about it breaking on its own, and then ignoring our offer of compromise (by splitting the cost).

 

At the time of final inspection we identified two spots of cleaning (which we did the next day) and agreed that the cost of removing some of our stuff (that we didn't want) could be deducted from the deposit. We also identified two broken tap covers and one broken toilet roll holder, which we agreed to replace.

 

I was surprised that there was no comparison against inventory, especially as there were still boxes in the loft, but the end of the inspection came and all was agreed. The landlord paid us £900 there and then by cheque, and we agreed that any deductions would be taken from the remaining £310 to be refunded in a few days’ time.

 

A few weeks later, we received this document attached to an email:

 

Click here

 

It was full of issues apparently discovered after the final inspection. It was therefore completely impossible to prove that we’d caused them. From here on I decided to correspond only by recorded mail so that I would have proof of delivery of everything I sent. It’s important to note when reading my letters from now on that I tried hard to avoid discussing or addressing things that were irrelevant or invalid, for fear of lending them any kind of credence. Here is the letter I replied with, sent on August 30:

 

Click here

 

The ARLA document that I included with the letter was this one:

 

Click here

 

A few days later we had an email confirming receipt of the letter. Another few days later we went on holiday for a fortnight, and then shortly after that I had to go into hospital for some minor surgery which took me out of work for about two weeks. For all of that time we did not receive anything more from the landlord. Once I was out of hospital, I wrote the following Letter Before Action, sent on October 6:

 

Click here

 

Again, there was silence, and I was getting ready to file a claim, until finally on October 18 we received the following email from the landlord’s solicitor:

 

Click here

 

It completely misunderstands things I have put in my previous letters, includes lies about who paid for the window (although I’m sure the solicitor thought that part was true), and in general displays a shocking lack of knowledge of the laws of property rental. Sentimental value indeed! Imagine the disastrous consequences if landlords were allowed to claim for that! Sadly, that was one of the things I felt I had to excise from my reply, it being utterly irrelevant. I knew sentimental value would have no bearing in court. The letter also introduces “the statue”, which had never been mentioned up to this point.

 

I replied to the solicitor with the following letter:

 

Click here

 

At least things were moving now, and a few days later, I received the following reply:

 

Click here

 

It’s laughable really. The basic gist of it is “we’re right, we reckon we’d win in court, we’re annoyed with you for arguing with us when we know we’re right, but, er, we’re so generous, yeah, that’s it, generous, that we’re going to give you back your entire deposit minus £20.” And it contains (as good as) an admission that no expense was incurred clearing the house (looks like the landlord did it himself which is impossible to prove and therefore to charge for) when it mentions getting quotes for the work after the fact.

 

I accepted this offer with the following letter:

 

Click here

 

I resisted countering the points in their letter to ensure that I got the money. After all, £20 to clear the house and repair a few broken items is less than I thought I would have to pay. I wasn’t trying to get away scot-free, just only to pay what we’d agreed. But it seems that they really, really don’t want to go to court (I can’t imagine why) and so I accepted the money.

 

Once the money was in my account however, I sent them the following receipt:

 

Click here

 

Obviously at this time I felt comfortable that I could counter the points without fear of losing money. I therefore did so for two reasons: firstly, well, I suppose I wanted to have the last word, and secondly, I did not want to be on the record as admitting, even implicitly, that we had taken the painting and statue, or that we should have paid the full amount mentioned in the email we received at the end of August.

 

So there you go. I hope you’ve been entertained or found something you can use. If not, then please accept my sincere apologies for wasting your time.

 

Oh yes, and thanks to everyone on this forum for having the same bother before me and posting about it, so that I could be sure of myself and sound authoritative when writing my letters.

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