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    • It's a very simple answer It,s a tradition me and a few of my long term mates go the pub to watch the football all day on boxing day and on new years day and our number one rule is we don't take our phones.! We don't see each other as we used to with us all leading different lives and having families but that is the one thing we have all promised too do until the day we die.! So it was quite normal for me not to have my phone and no need to worry about it because xmas and new year is the inky time of the year that I get a complete break from work zero emails zero phone calls.Its the only time in a whole year I completely have a break.
    • St Greta would love a canal with solar powered narrowboats.........
    • Name of the Claimant ? Erudio Student Loans Ltd   Date of issue – 9th Jan 2020   Particulars of Claim   What is the claim for – the reason they have issued the claim? 1.The claimant claims £10,100 for monies due from the defendant   2.The debt was pursuant to a regulated agreement(s) between the defendant and The Student Loans Comedy Limited. Each agreement had an individual account number as follows  XXX XXX XXX XXX   3.The defendant failed to make payments as per the terms resulting in the agreements being terminated. Notice of such is served by a Default or Termination Notice subject to the terms of the agreements.   4. The debt was assigned to the claimant on XX/XX/2013, with a notice provided to the Defendant. A new master reference number XXX was also applied upon assignment 5. The claimant has complied with the Pre Action Protocol for Debt claims.   What is the total value of the claim? £10,100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent to my home address   Did you inform the claimant of your change of address? No, I have never heard of Erudio before I received this claim form.  I did notify The Student Loans Company Ltd about my address change though. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Student Loans   When did you enter into the original agreement before or after April 2007 ? Before.   Do you recall how you entered into the agreement...On line /In branch/By post ? I think I signed the forms in person, although it would have been about 25 years ago so I can't be positive.   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   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 says that the debt was assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I have never received any notice of assignment   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I always returned Deferrment notices to The Student Loans Company as I never earned enough to have to start repaying these loans. I still haven't. But the SLC stopped sending deferment notices to me, and in fact stopped sending anything to me. I don't know when the last time I had any communication from them.   What was the date of your last payment? I've never paid     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not   This is for a huge amount of money, and I've never heard of Erudio before I received this. I do sometimes have problems with my post at my home address.  I really appreciate all help that anyone can give with this. My ideal outcome on this would be that they drop the court action and I send them Deferment notices for the future.
    • Hi Andy,   We were never notified with regards to this holiday no communication after they went into Admin. last week was the first time we heard anything at all and it was from RC themselves. I called them last night and explained everything and it looks like everything going to be okay we will only  lose the deposit which is a small price to pay I guess compared to £2000 I will update if I hear any more.   thank you Hb and Andy both for your  help   regards otb
    • yep, the UK is a bumpy twisty crowded ISLAND whos layout and transport infrastructure is best suited to Sea and Road. The rivers are generally to narrow and shallow, let alone steep, and the flat plains are simply to small and crowded to house a big rail system like Europe, China, India, Africa, Australia ............   So its smaller lots via road or ship em to the nearest port   Our railways are narrow and a bit cramped because they NEED to be. Canals were our infrastructure   When putting in just a couple hundred miles of track disrupts half the country for a decade or more, and costs a not so small nations national debt - its the wrong choice.
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RyanB96

AirBnB: Claiming without a Security Deposit

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Hi,

 

Recently some friends and I went on holiday to a villa rented through AirBnB. While there we cracked a plant pot, and some soil leaked into the pool. We spent the penultimate day cleaning and scrubbing the place because we felt guilty and left the place in pristine condition.

 

We left at 8am, the host had guests in at 12 noon the same day.

 

Upon being home a few days, the host put through some damages for us to pay amounting to a staggering 684€. This included;

- Cracked Plant pot (80€)

- Damaged IKEA towel and damaged IKEA bedding (50€)

- Pool Cleaning (50€)

- Cracked pool tile (500€).

 

We were shocked.

- Despite scrubbing the place clean and actually checking for damages, we did not see any cracked tiles and do not believe it was us at all.

- The plant pot was heavy, so we are assuming shes damaged the tile herself replacing the plant pot. Regardless, we think this should be covered by insurance.

- We payed a £237.49 cleaning fee up front; we think the pool should be covered by this

- The IKEA towel and bedding was damaged by bleach that the host left on the floor. This also ruined all the girls bikinis, by bleaching them!

 

We refused to pay the sum the host demanded. She then responded with "We just had an email from the tile constructor who thinks that the tile would cost 250€ instead of 500€".

 

At this point, her costs include 0 receipts or proof of cost of any kind, and we found the IKEA towels online for £4.84 (IKEA website).

 

 

 

Anyway, we declined the payment and she went to the resolution centre. The resolution centre is supposed to ask for both sides of the story and come to a fair settlement. The "expert" got in contact to say she was getting information from Hilde and would then contact us.

 

We then went to support and asked about the Security Deposit. There was no security deposit set on the property, and from research, to us this means anything we pay is on our sole good nature.

 

The expert never contacted us; the next message from her was a breakdown of the costs she told us we must pay and our AirBNB account is deactivated until we pay. There was still no proof at all of any costs either, no receipts, nothing.

 

We will not pay for absurd damages that we did not cause, knowing she has tried to ripp us off and certainly not when the "expert" never got in contact with us!

 

- Can AirBNB force us to pay without a security deposit?

- What can we do here?

 

Please help,

Ryan

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Without any quotes or evidence of costs they can't get anything.

I suppose if they really want to be compensated they'll eventually have to get quotes and send them to you.

A cracked tile at £250 is truly absurd, unless it was an ancient Greek one.

Max £50 fitted by any tiler in the country.

I don't know if airbnb gets involved with disputes of these kind , you need to look at their t&c, however my feeling is that they could foot the bill knowing that they can lose customers over this and get bad reviews.

Reply to them asking for quotes and highlighting that the only thing you admit is cracking the pot, no other damage.

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