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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Illegal eviction damages claim

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My friend has rented his house out for a number of years.

He had a disagreement with his last tenants and decided to end their tenancy, he is currently claiming through the small claim courts for damages to property.

 

Looking at his case I believe he may be opening up a huge can of worms as he’s made a few mistakes as listed below

 

1. When starting the tenancy he took a deposit which was not protected - the tenants are aware of this

 

2. He issued a section 21 notice 3 weeks before rent was due - the tenants were up to date with rent

 

3. He left them in the notice period with no hot water or heating and did not supply alternative heating - it was winter so property became very damp, the tennant withheld rent for this reason

 

4. When the section 21 notice finished he changed the locks without an eviction notice - the tenants still had furniture in the property

 

He is now trying to claim for damages to property as House was not left tidy, owing rent, and damages totalling £5000

 

The tenants have refuted his claims stating that they did not have a chance to empty the property or tidy it up to an acceptable condition due to being illegally evicted.

 

Am I right in thinking the courts will throw the book at him and potentially side with the tenants as he did not follow the correct legal proceedings?

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Errr yes

What a terrible vindictive landlord who blatantly does not follow the law.

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Yes, it sounds like the tenants could counterclaim for:

 

- Unlawful eviction

- Return of the deposit

- Penalty of 3x the deposit for failing to protect it

- The condition of the property (the landlord has an obligation to keep the property in good repair)

- Breach of the tenancy agreement (since the landlord will have breached his obligation to let them have quiet enjoyment of the property)

- Inability to access their belongings

Plus their legal costs for defending the claim.

 

The landlord could also be prosecuted for unlawful eviction, which is a criminal offence.

 

Of course it is also possible that the tenants don't defend the case and the landlord simply gets given a default judgment.

 

So there is a whole rainbow of possible outcomes.


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My friend has rented his house out for a number of years. He had a disagreement with his last tenants and decided to end their tenancy, he is currently claiming through the small claim courts for damages to property. Looking at his case I believe he may be opening up a huge can of worms as he’s made a few mistakes as listed below

1. When starting the tenancy he took a deposit which was not protected - the tenants are aware of this

2. He issued a section 21 notice 3 weeks before rent was due - the tenants were up to date with rent

3. He left them in the notice period with no hot water or heating and did not supply alternative heating - it was winter so property became very damp, the tennant withheld rent for this reason

4. When the section 21 notice finished he changed the locks without an eviction notice - the tenants still had furniture in the property

 

He is now trying to claim for damages to property as House was not left tidy, owing rent, and damages totalling £5000

 

The tenants have refuted his claims stating that they did not have a chance to empty the property or tidy it up to an acceptable condition due to being illegally evicted.

 

Am I right in thinking the courts will throw the book at him and potentially side with the tenants as he did not follow the correct legal proceedings?

 

I would advise him to mitigate as much as he can to keep it out of court, if I was the tenant I would be reporting him to the police. Hi is, and for good reason, looking at some serious trouble.

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The claim has been defended with everything above written on it. He was sent a directions questionnaire - as were the tenants, he’s asked to go through mediation, the tenants have asked for it to be allocated to court, I think this will land him in deep hot water!

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He also stupidly on his original claim form stated that the tenants has not returned the keys so had a lock smith change the locks, he stated the day this happened which was the day following the section 21 running out.

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He also stupidly on his original claim form stated that the tenants has not returned the keys so had a lock smith change the locks, he stated the day this happened which was the day following the section 21 running out.
h

 

Well I can only hope he’s done this out of stupidity and not arrogance, however I fear it’s the latter. I would now be trying to settle out of court and hope that they don’t realise that he has also committed at least one criminal offence, if he does end up in front of a Judge then he needs to apologise and offer to make it right, I don’t see how he could mitigate his actions without looking a nasty bit of work.

 

As it stands he’s looking at both a significant award against him from the civil court and also a criminal record. People can not be treated like that. Please keep us updated.

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My friend has rented his house out for a number of years.

He had a disagreement with his last tenants and decided to end their tenancy, he is currently claiming through the small claim courts for damages to property.

 

Looking at his case I believe he may be opening up a huge can of worms as he’s made a few mistakes as listed below

 

1. When starting the tenancy he took a deposit which was not protected - the tenants are aware of this

 

2. He issued a section 21 notice 3 weeks before rent was due - the tenants were up to date with rent

 

3. He left them in the notice period with no hot water or heating and did not supply alternative heating - it was winter so property became very damp, the tennant withheld rent for this reason

 

4. When the section 21 notice finished he changed the locks without an eviction notice - the tenants still had furniture in the property

 

He is now trying to claim for damages to property as House was not left tidy, owing rent, and damages totalling £5000

 

The tenants have refuted his claims stating that they did not have a chance to empty the property or tidy it up to an acceptable condition due to being illegally evicted.

 

Am I right in thinking the courts will throw the book at him and potentially side with the tenants as he did not follow the correct legal proceedings?

 

 

Well there’s some good news about the section 21 notice in point No.2 It’s a no fault notice so the point about rent being due/paid up is irrelevant. However, the other points have done for him. I’m not sure but I do think that failure to provide heating/hot water on purpose is a criminal offence.

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The good news about the S.21 is that it is “no fault” is negated by the fact that it wasn’t a valid S.21 notice......

Additionally, even if it were valid, if T doesn’t leave, then LL still has to go to court for a possession order.

 

The S.21 notice not requiring any fault isn’t really of any significance here.

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The good news about the S.21 is that it is “no fault” is negated by the fact that it wasn’t a valid S.21 notice......

Additionally, even if it were valid, if T doesn’t leave, then LL still has to go to court for a possession order.

 

The S.21 notice not requiring any fault isn’t really of any significance here.

 

Ah of course, failure to protect deposit! Doh, silly me.

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Thanks for the feedback, he’s placed himself in a no win situation I think, from the defence the tenants have submitted in response to the initial claim the tenants are aware that firstly the whole situation in which the landlord has gained entry and removed their belongings was an illegal eviction, he’s also disposed of in excess (they claim) of £2500 of furniture and belongings, and they’ve also stated that the deposit wasn’t protected so I’m guessing they also know they can claim just for that.

He’s of the belief that he will be granted £5000 for repairs/removal/cleaning/lock, he said he’s received legal advice prior to filing the claim but I fear he may have failed to tell his solicitor that he entered the property illegally and hasn’t protected the deposit!

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Thanks for the feedback, he’s placed himself in a no win situation I think, from the defence the tenants have submitted in response to the initial claim the tenants are aware that firstly the whole situation in which the landlord has gained entry and removed their belongings was an illegal eviction, he’s also disposed of in excess (they claim) of £2500 of furniture and belongings, and they’ve also stated that the deposit wasn’t protected so I’m guessing they also know they can claim just for that.

He’s of the belief that he will be granted £5000 for repairs/removal/cleaning/lock, he said he’s received legal advice prior to filing the claim but I fear he may have failed to tell his solicitor that he entered the property illegally and hasn’t protected the deposit!

 

I genuinely hope he did not get that advice from the place that advised about the eviction.

 

So you are saying that even after all this he still thinks he is going to be succesful, when is the court date? Thank you again for the up date, I am very interested to see the outcome.

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I fear the legal advice may be via google!

The case has just been transferred to the county court hearing centre for allocation so no date set yet.

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I fear the legal advice may be via google!

The case has just been transferred to the county court hearing centre for allocation so no date set yet.

 

Oh!

 

Please keep updating your post. It will be very interesting to see the outcome, especially for people just like him and people who have landlords like him.

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Just an update. Date set for September however the landlord now has to pay a further £350 for allocation, I’m hoping this is a deterrent from taking it further but we will see!

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Just an update. Date set for September however the landlord now has to pay a further £350 for allocation, I’m hoping this is a deterrent from taking it further but we will see!

 

Further update, landlord has requested mediation rather than court hearing but the tenants have rejected mediation on the grounds of illegal eviction, non protection of deposit, disposal of furniture and non provision of heating/hot water.

This is going to court on the 18th September I think the tenants have a very strong defence, I cannot convince my friends husband- the landlord; to drop the case so how would you say he’s best proceeding? Personally I think he’s in with a shock

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This is going to court on the 18th September I think the tenants have a very strong defence, I cannot convince my friends husband- the landlord; to drop the case so how would you say he’s best proceeding?

 

Advise him that perhaps he should look at selling a couple of assets (maybe his house) and be prepared to pay out a four figure sum in compensation and costs.

 

Have the (ex)tenants filed a counter claim ?


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Further update, landlord has requested mediation rather than court hearing but the tenants have rejected mediation on the grounds of illegal eviction, non protection of deposit, disposal of furniture and non provision of heating/hot water.

This is going to court on the 18th September I think the tenants have a very strong defence, I cannot convince my friends husband- the landlord; to drop the case so how would you say he’s best proceeding? Personally I think he’s in with a shock

 

Unfortunately we all learn lessons in different ways. The laws were put in place to provide punishment for those who take actions like this. I think it's important to call this chap exactly what he is, a rogue landlord who's complete disregard for the law has caught him out.

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Ok further update. Court hearing set for 2 weeks time. The landlord has provided the tenant with a file of evidence, within this file he has admitted everything including

1) never having seen the need to use a deposit scheme as they use a secure account instead

2) a letter from landlord to tennant threatening to remove them from the property within 7days (within the section21 notice period)

3) multiple statements from neighbours which all look identical - I fear these may be false

4) invoices from a locksmith stating the date he changed the locks

5) multiple pictures of the tennants property within the house and a statement saying he took it to the tip

 

I think in this document he may have completely thrown the book at himself.

By some small miracle is there a chance the judge may look past all the wrong move and just look at the costs it took to prepare the house for rerental?

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Just another thought. The tenants have instructed a solicitor could the landlord be liable for these cost?

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Just another thought. The tenants have instructed a solicitor could the landlord be liable for these cost?

 

What track has it been allocated to?

If to the small clams track, has his litigation behaviour been manifestly unreasonable??

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Yes to small claims. Who’s behaviour are we talking about? Landlord or tenant

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Yes to small claims.

 

Costs in the small claims track are strictly limited unless there has been entirely unreasonable behaviour.

 

Who’s behaviour are we talking about? Landlord or tenant

 

Both, but who are you saying has behaved badly?

The LL, correct?

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I think both have however the landlords failure to adhere to simple laws the rental of the property and the processes used to remove tenants out weighs the tenants wrong doings I fear

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Just another thought. The tenants have instructed a solicitor could the landlord be liable for these cost?

 

Legal costs are not usually awarded in small claims track. However, they can be awarded against a party who has behaved unreasonably.

 

From what you've posted so far this particular landlord sounds as unreasonable as they come. Based on the limited information in this thread it sounds like there is a very good chance of him losing the case, being ordered to pay a penalty for not protecting the deposit and being ordered to pay the claimant's legal costs.

 

3) multiple statements from neighbours which all look identical - I fear these may be false

This is the worst of it. If the judge concludes that the landlord has been dishonest in his evidence, the landlord is highly likely to be ordered to pay the claimant's legal costs.

 

By some small miracle is there a chance the judge may look past all the wrong move and just look at the costs it took to prepare the house for rerental?

This is possible - anything can happen in court. But I don't think it will be easy for the judge to overlook blatent non-compliance with the requirement to protect a deposit, fraudulent evidence and what sounds like an illegal eviction.

 

The landlord has got himself in a real mess here. The best advice might be to try and reach a settlement with the Claimants before getting to court.


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