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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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Tesco Bank - CIFAS Placed 2016 - Advice On How To Handle?


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I'm very troubled by this proposed particulars of claim – mainly because it is far too detailed.

I'm always very much in favour of a minimum particulars of claim which give as few hints and cues to the defendant as possible so that there is a greater likelihood that they will disclose interesting information in their defence.

I have to say that I've been thinking about this for some time and I'm finding it difficult to come up with a suitable form of words – but I do think that what you're proposing here is not what is needed and effectively amounts to throwing in everything including the kitchen sink.

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Always best on line...more secure...cheaper fee to submit......unless you prefer walking to the Post Office and paying postage everytime you have to submit a document...and there will be a few.  

Good Call - They are full fledged bank with full permission to trade and covered by FSCS Ill be back this weekend to finish off this and create a plan of action.

They need to provide you the number to which the SMS was sent - Its important... It can then prove whether it was you or not. During that time - Do you remember anything like your phone going off

I am happy to be led by your expertise and judgement on this. I have never been down this road before so your guidance is much appreciated happy to revise it if you think it will be more effective. 

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This is very new for us as well. But my instinct is that you should keep this very short and let them respond with detail.

I know that your letter of claim expires tomorrow – but a few extra days won't matter

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I would suggest something like this:

 

Quote

The defendant suspected the claimant of fraudulent abuse of his bank account number XXXX. They carried out a flawed investigation without observing proper procedures and in all the circumstances treated the claimant fairly in their manner of their investigation and in their manner of communication with him. The defendants disregarded a recommendation by one of their managers Tom O’Donnell that there was no basis for finding that the claimant was fraudulent. As a result of this unfair treatment the claimant is now the subject of a CIFAS marker. The defendant is fully aware of all of the facts. The defendant has failed to inform the police of alleged fraudulent activity by the claimant so that the claimant has been deprived the opportunity of participating in a fair and open and impartial investigation by outside authorities. The claimant is suffering damage as a result and at the moment claims £200 but the damage is continuing.

 

 

Which sort of says it all – but in fact says very little at all.

Please can you have a look through it and see what you think in principle – and then let me know if there are any features which you think should be included or which should be taken out and if there is anything that is not correct.

 

Please can you doublecheck the name of the person that I have entered in red and correct it

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Yes I am more than happy with this if you feel its a better approach   the name was Tony O'Donnell which i can amend 

 

                                                               

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Okay. I wanted to give a few more words of caution before you actually did that.

Just so you know that very few BCOBS claims have ever been issued although they have produced successful results before any hearing and under conditions of confidentiality.

However, a claim on the basis that you are bringing yours is very unknown. I would hope that the bank would want to avoid trouble and would simply review what they have done and correct everything.
However, they may well rise up and decide to crush you.

How much did you actually claim for? What figure did you put in as the damages you are looking for?

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well lets see what happens now I suppose. you would think given the ICO and FOS have and Tesco them selves acknowledged the investigation was flawed that some common sense will prevail. but like you say who knows it may well stir up a hornets nest instead. 

 

claimed for £500 as that was only £35 to do that 

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It wouldn't surprise me if they offer you the £500 plus your costs in order to get you to drop it – but without them taking any further action.

They may well try to contact you in confidence – and if they do then may be you would like to contact me on our admin email address.

Paying the amount of money you want is easy for them and it means nothing. Of course you want something much larger so we'll have to see how it goes.

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Thanks I will keep you informed - fingers crossed! thanks your all your help so far 

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  • 3 weeks later...

**Update**

 

Tesco yet to issue any response. 

2 working days left to do so.

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Well don't get your hopes up too high – but keep on monitoring the money claim site very closely and be prepared to put in for a judgement at the very minute that it allows you.

Thanks for the update

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on Deadline day and Tesco has responded asking for extra time to respond. 

Tesco Bank has been given an extra 14 days to respond to your claim.

They need to respond to your claim before 4pm on 21 June 2021.

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Bless!

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Have you given your permission to extend ?

 

See CPR 15.5

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part15#15.5

 

We could do with some help from you.

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It all seems automated online no where i can refuse this etc . I certainly haven't given any permission to extend you would thing a corporation the size of them could reply within the specified time wouldn't you!

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Have they only used the 14 days or the full 28/33

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I submitted the claim 17th May giving them until 7th June to respond the message i got when i completed it was as follows

 

Your claim against Tesco Bank was issued on 17 May 2021.

The defendant needs to respond before 7 June 2021.

The defendant can ask for an extra 14 days to respond. If they do you will be notified of the date you need to respond by.

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CPR 15.5 is applicable only after the full 28 days...the 14 days they refer to is after acknowledgment of service to submit their defence...not beyond the 28 days. They must have the claimants agreement to extend further and add a further 28 days...56 days max allowed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Hmm l would ask why you was not asked permission. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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