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    • Yes Jase a default can be registered for current accounts that attract an overdraft...although the default would have placed by HSBC not Intrum Finance.There name would have been added when HSBC assigned the debt to them.   Andy
    • Hi,   Not sure if this is the right part of the forum to ask this but I have a default on my credit report for an old HSBC current account dating back to 2015.  The default has been placed by Intrum Finance.   My question is that I thought a default is usually for something where a credit agreement existed?  Can they list a default for a current account where there was no agreement in place?   Thanks in advance,
    • and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if you want to send creditors that, its upto you but you do not have to give them any of your pers financial info NONE of their business esp a DCA!! only a judge can demand that info.    
    • But the 14 day cooling off period does not apply to you because your a LTD Company.....even though the charge is unfair there is no way around it B2B
    • Do not engage under any circumstances on the phone, they are trained to trick you into agreeing to things.   If everything is done in writing by post,    A. You are in control B. There is a paper trail, postal receipts etc for you to defend yourself if they ever do go to court.   Rent, Council Tax etc should be the only thing you care about and the rest of your priority debts. Nothing will happen if you stop paying the one's that are with DCA's aside from a lot of idle threats coming through your letterbox   As above with the CCA's for the one's already sold off, highly likely they won't come up with the goods. One pound a month token payment, jobs 'a good 'un with the Original Creditors.   Everything else in your budget goes to food and emergencies, not the above bunch of vultures.      
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youlsey

Claim damage to furniture / Early leaving fee unfair?

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The landlords (a company) and I are butting heads about both these issues.

 

 

Claim damage to furniture:

I have had to destroy 3 pieces of furniture due to mould. The mould I believe was caused due to a poor sealing window in our bedroom therefore letting in moisture. The landlords knew about this within a couple of months of moving in and never corrected it. I tried every year before winter to add my own seal but that ultimately fails. And heating the room was so expensive, as I believe there was no wall insulation as there were black spots of mould on 3 out of 4 walls and the noise from other neighbours was unbearable.

 

 

I have receipts of the furniture and pictures of the mould but this isn't enough for them.

 

 

 

Early leaving fee:

Yes I know there is an agreement in place in which I must give a month's notice in writing. The fixed agreement had ended and I think I am right in saying I was on a periodic agreement.

 

However, our neighbour was burgled (the building has 5 flats). We have had trouble with this neighbour before and felt unsafe anyway, but this was a tipping point. We so then started to view flats and found one which began the process of registering and references. We asked our landlords for a reference and said some of the following in an email "Due to the recent burglary we feel the time is right to move to another property.....". They did actually phone and mentioned they were surprised that we are leaving them after such a long time.

 

 

 

I know this does not constitute a formal acknowledgement that we are leaving, but it wasn't until about 3 and a half weeks after this we moved out. They have then charged an early vacating fee but I am contesting this due to the circumstances of the burglary - they keep saying this is not a valid reason. The burgled tenant also implied I had something to do with this, which the landlords disagreed with.

 

 

 

 

All in all, with some deductions which I do agree with BUT without the early vacating fee, I am asking for a small amount of money back from them. They do not agree.

 

 

A case was opened with the TDS but based on what I have uploaded as evidence and the damage to furniture, they felt it was best that I not agree to this process and take it to court if I choose to do so.

 

 

Not sure if I could also add this to a claim, but after a couple of years in that property and with complaints regarding noise etc, both me and my partner are now on anxiety medication - could I not add a claim against them for this?

 

 

 

 

Any advice would be appreciated.

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What did you say in your NTQ? Dated?

Expiry date?

You are liable, as T, to full rent until end of the Rental Period in which your min 1 rental period NTQ expired.

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Please no acronyms....

 

 

So landlord wins again???

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Black mold on internal walls is caused by poor ventilation and humidity is at a very high level.

 

Open your windows, ventilate.

 

Because you felt unsafe after a neighbours burglary is of no concern to the landlord. You cannot transpose your fears onto someone else to forcibly change a contract.

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Sorry to give you bad news but if it was their furniture you best action would have been to take it round to their offices and leave it there when you were a tenant. As for rent, i agree with Mariner, it will be a monthly cycle so if you didnt give a months notice you pay the next rent cycle.

 

They can take this out of the deposit so now any argument is about the value of the furniture. You will say it is worthless, they will say it was worth £999 being brand new etc.

What was the deposit and how much are they claiming out of it and why? they have to show some accounting method so tell us the figures all round

Edited by Andyorch
Paras

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