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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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Problems with perfect home, wrong info on credit file.


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Hey guys hoping you can help.

 

Perfect home causing me no end of problems.

 

firstly I changed address two months ago,

emailed perfect home (still have the email) and got no response,

 

 

I got a really angry call from my dad today saying perfect home had been at my door.

My current balance is £21.22 outstanding.

The man drove all the way from Glasgow so a 100 mile round trip for £20.

 

It's caused no end of grief with my parents as I've had debt problems previously and actually managed to get on top of most of it, but now obviously they doubt my honesty which is really frustrating.

(in their defence as they said "why would someone drove all the way from Glasgow for £20" something I'm yet to figure out)

 

I've called perfect home and updated my address,

also removed their implied right of access to both property's. I

 

 

s there anything else I can do?

I've been paying £45 a month for a ps4 since last October and I currently still have £580 to pay!

 

 

That's two more brand new ps4's

I just want nothing more to do with them,

they have embarrassed me and my family and haven't at all been helpful.

The man on the phone said the home visit was "too help me"

 

Anything else you can help with or offer advise id really appreciate it.

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well tell your dad they aren't bailiffs and have no legal powers whatsoever

 

 

no point in following the useless implied rights stuff on those freeman of the land sites either

total waste of time.

 

 

WRITE to PH and legally tell them of your new address

I bet if you reclaim all the compulsory insurances you owe them nothing

and get back the unlawful penalty fees too

and I bet they charged your account with a visit fee aswell.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Hey guys hopefully someone can help me. 

 

I'm currently going through the process just now of trying to get a mortgage (very early stages)

my mortgage advisor pointed out that perfect home had not logged a default on my credit file but instead had it marked down as a late payment,

it's been like this for 14 months now,

she advised maybe we could catch it before the mistake is realised and obviously knock it off. 

 

I contacted perfect home who advised the debt had been sold to JCI accusation, who then sold it to imfs, imfs offered me 50% off the settlement and I have accepted and cleared this (i don't dispute the debt btw) 

This was cleared on the 30th of April and as yet absolutely nothing has changed on credit file,

I have contacted perfect home who have been absolutely useless to be honest.

 

Perfect home say they haven't received anything to say the debt has been paid and Futher to this are just planning to mark is as defaulted anyway which sort of has made paying it a bit of a waste of time.

 

Is there absolutely anything I can do to rectify this or to have any kinda of outcome here where the default isn't logged.

 

I should say as well I've already tried disputing the information on credit file with two agency's and have received a flat no that the info is correct and that it shall remain, even though it isn't correct. 

 

Any help is greatly appreciated

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opps spoofing DCA fleeced you.

even if you pay it off

it wont remove any past markers

 

so what is your actual problem?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not sure what spoofing DCA fleeced me means exactly? 

 

I'm not suggesting it should remove the marker but clearly it's listed incorrectly on my file. That's what I'm looking to rectify. 

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who is IMFS?

 

old and new threads merged

you should have sorted this in 2017, but you appear to have just vanished.

 

has the mortgage lender told you it will help your situation?

if you mean the marker is showing [1] for 14 mths then its just a single late marker

he shouldn't be paying attention to that at all

or does the summary line just say late payment

[he shouldn't have access to the monthly calendar markers anyway ...unless you gave him a full copy of your file??}

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They are completely different items, the one I mentioned previously is paid in full so i may have vanished but they are unrelated 👌

 

Well it's one less potential default, the summery line says late payment, it keeps ticking over month by month. I gave them full copies. 

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opps you should never give them info they cant find themselves.

 

would of though you'd have learned your lesson in 2017 to stop using these treble the price on credit companies !!

 

a late payment marker should not harm a mortgage at all.

 

id be more interested in where your money has gone...

probably paid for a staff holiday for whomever IMFS are?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm sure your just trying to help but your assuming I've just went and taken out another item, I had them both at the time, I don't need any education on how terrible these company's are 👌 

 

IMFS bought the debt from JC international or whatever they are called. 

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pass the parcel.

 

what ever made you think paying a powerless dca was ever going to help you?

a dca is NOT a bailiff 

and have 

ZERO legal powers.

 

how long ago did you pay them?

and how

did they phone you up or you phoned them?

 

have you a copy of the settlement letter and proof you paid it?

that might encourage your mortgage lender to ignore the debt.

 

a late payment marker is far better than a default !!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know this. I phoned them, I was happy to pay it. End of April. 

 

Yeah I have it in writing that it is settled. 

 

It is I agree,

but there's absolutely nothing stopping that being changed to a default surely?

 

They should have done it over a year ago, would paying it now make any difference?

 

If not it's not a big deal, wasn't much.

 

Just thought paying it might be a bit of a preventive measure should they notice that it is listed incorrectly.

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in the calendar section 

these 14mts 

are they all showing [1] or does it progress to 6 and its been that way for months?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so PH have sold the debt

a debt is typically defaulted before sale to a debt buyer regardless to any markers if there is an outstanding debt.

 

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

not that I can see

a late payment flag is certainly better than a default.

 

unless the defaulted date should have been almost 6 yrs ago and if registered then, would soon cause the whole account entry to vanish from your file.

the fact that you paid it, is of little matter, unless the mortgage advisor would rather see proof of it being settled??

 

pers i'd say he is using this to poss bump up your mortgage rate.

we've seen defaults ignored before so a late payment marker should not even be a problem to him.

 

if this were me i'd be demanding the fleecers you paid this debt off too remove it totally but me thinks that's not gonna happen.

 

the only ref I can find is:

 

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for all that, really helpful. 

 

Yeah I think it's just to help us both get a slightly better rate to be honest, don't think it's a deal breaker. 

 

Yeah I think that's them, spoke to them a few weeks ago and just referred me back to perfect home so a dead end there. 

 

I'll just leave it as is,

the last thing I want is to push perfect home too much and they just retroactivity put on the on the default marker,

if they were gonna do it I'm sure they would have by now. 

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JC international are a debt buyer

I cant see how PH still own the account now so cant default you.

have you not previously gotten notice of assignment from JCI?

 

and what date was that?

 

who is shown as the owner on the credit file 

Perfect Homes or JCI?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

so looks like full circle and the debt was sold back to PH?

ive not know JCI etc to just chase

but never mind.

 

send PH a copy of the settlement by royal mail

 

I would suspect there is no marker in the calendar for MAY?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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