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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Demosteve V Halifax (Grr)

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Hi am making a claim against halifax. Started my claim on 2nd October 06 as my girlfriend works in a bank and she told me about what was going on.

Started by asking for the difference between the 38 pound charges and the 12 pound that the oft report stated was fair.

Halifax `replied that the oft statement was only for credit cards and did not apply to bank accounts.

Was put on to this website by one of my girlfriends mums who's daughter had successfully claimed 4300 pound.

After reading all necesary threads etc i sent of my prelim letter on the 4th November and recievd a reply on the 14th nov stating that they had sent me a standard response in the previous letter and that it did not represent them truly. They then stated that they werent going to be refunding my charges of £640 plus £128 interest. Im sending my LBA of today. Just thought i would post details of this letter to see what u think.


My colleagues letter does not refuse the refund of charges incurred on the above account it is a standard letter issued to all customers who request the refund of fees to explain the oft statement and to outline that they refer to credit card default fees and not those of a banking nature.


There has been no legislation passed that would force banks lower or refund fees on their banking products and any refunds agreed be purely under the descretion of the bak itself.


I note from your account that your charges were correctly debited in accordamce with your signed terms and conditions due to insufficient funds being available for the transactions made by you therefore i must advise you that when u sign a cheque, enter your debit card pin number you are making a declaration that you agree you have sufficient funds held to cover such transactions and should you be aware that this is not correct than the declaration is considered fraudulent.


I have as a good will gesture cancelled pending charges ( WHICH THERE ARENT ANY OF> AS I HAVENT USED THE ACCOUNT FOR " MONTHS AND HAVE IT IN CREDIT BY £40) due to debit your account 31 november to avoid escalation of the balance at this time.


I sincerely hope your concerns have now been resolved to your satisfaction although should you remain unhappy we will escalate your concers to the financial ombudsman.


Sorry that i typed whole letter just cant see how they have replied this way to the prelim letter template found on this site. As for charges to my account its in creidt and cant be used as they have put an enquiry only status on it.


Would like to know what people think of this.

SEriously angggrrryy man.

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Sorry to be bother.


Have filled out spreadsheet from vampiress to work out interest but not sure on what to youse as the rate. HAve done it with the overdraft rate which was like 13.9% . Is that right. Can anyone help. Have dived into this head first cause im fed up and angry with the way i've been treated .

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Can anyone help please. I have sent my prelim letter to halifax, got a reply which i have posted but when i've checked my spreadsheet today before i send off my lba, i have noticed that it has worked out the interest correctly but i put the wrong year on the 31-Jan-2005 should be 2006.




Charges as Notified 28.00 30-Nov-2005 3.62 interest

Charges as Notified 39.00 02-Dec-2005 5.01 interest

Charges as notified 28.00 30-Dec-2005 3.28 interest

Charges as Notified 28.00 31-Jan-2005 7.23 interest

Charges as Notified 30.00 08-Mar-2006 2.72 interest


Does this mean that i will have to send the Prelim letter again with an amendment to it giving them another 14 days and then send the lba after that deadline.


Someone please help as I would really like to send of lba asap.



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You shouldn't have sent the interest charges along with the first letter Demosteve. When you send your LBA, just send the charges, nothing else. I could be wrong though, wait until someone more learned answers!


S.A.R - (Subject Access Request) request sent - 14th September

Non-compliance letter- 26th October

Prelim sent-3rd November

LBA sent - 21st November

Settlement rejection offer sent- 28th November

N1 form filed 8th December



S.A.R - (Subject Access Request) request sent - 26th October

Barclays Acknowledged letter and sent back P.O - 1st November

Barclays sent out statement. Jan-Mar 01 is missing.

Letter for missing statements sent 14th Nov

Barclays sent letter claiming microfiche data

Letter sent back claiming data again 28th November

Non compliance letter sent 8th Dec

Prelim sent-18th January.

LBA sent Pending

Moneyclaim made-Pending

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