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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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XS Direct insurance company


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Hello, my husband had an accident last year in April where a boy cross my husband way from left side to the right where my husband was driving.

 

It was not a big deal but my husband call the XS direct and open a claim where we did not know for three that the first £3000 from any incident are from our pockets. Then the investigation starts but we have received a letter from a solicitor of the X's direct where it's says that the boy start a legal claim.

 

No one told my husband what is it about and why, they explained over the phone that both insurance companies cannot decide the fault and they bring the case to the court. As we agreed to the solicitor letter and signed that will be a defendant side and go to the court as a witness for telling the accident story again.

 

However, after six month , in March this year, we received a letter from the solicitor of xs direct that the case is settled and it s on 50/50 basis. Afterwards, the XS direct sent us a letter where they say the case is settled 50/50 and they paid the amount agreed of £8000 and the breakdown include £6450 of personal injury and the insurance company want all the amount payable from us. So, no one sent us any detail for court or any case even.

 

The whole one year since the accident we did not know that there is a personal injuries included in the claim. What can we do know? Thank you for reading this long writing.

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So your husband owes XS Direct the £3000 excess and that should be the only amount, no more.

 

If your husband did not know about the £3000 excess when he arranged the Insurance, he needs to raise a complaint with the company he bought the Insurance from.   Suggest that he writes a letter of complaint to the company he bought the Insurance from.  He can also send them a GDPR subject access request letter asking them for all information they hold.

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Thank you, I have received today an email from xs direct complaints department, where they said:

When you purchased your policy you accepted the terms of the policy which include the condition that you are financially responsible for all costs up to £3000 (your excess).  However, you never submitted your driving licence (and other requested documents), so you now owe the full costs of the claim. Please ensure that you have your finances in place.

 

Can you submit your driving licence today?

Can you confirm your telephone number please?

 

I can advise you that we are required to issue a final response to you within 8 weeks of receiving your complaint (3 June).  If we are unable to provide you with a final response within this time frame, we will write to you explaining the delay and advise you when you can expect a final response.

So I have found the email that my husband has sent his driving licence on 8th of May last year a week after the accident. Which means they are saying incorrect information that we never have sent them , also we were for three years with them and when they hit him he called first and open claim as he doesn't know about the £3000 and plus he doesn't speak English. So, please, please help me how to answer on the last email as I don't want to send his driving licence to them. Many thanks

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Truspilot reviews for this company are terrible with 97% of 64 reviews giving just 1Star !

 

Get the SAR sent to them quickly and tell them you require recordings of all telephone calls as well as paperwork.

 

Did they respond to the email your husband sent enclosing a copy of his driving licence. If yes, did they acknowledge receipt of the copy or maybe demand sight of the actual licence.

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Because I can't trust them anymore and plus I have found the email where we have sent them the driving licence, the last mot for the car and even the registration letter form from DVLA for the car. And my husband said even the investigator has had a picture of his driving licence. They have sent him a letter three weeks ago where they stated that he is liable to pay the full amount because they defense him to the court matter and according to their terms and conditions he would be liable to pay the amount that is agreed on the settlement (which is 50/50 and we did not receive anything plus we did not know anything about), however, in the last correspondence they are saying that he has to pay them the amount of the agreed first £3000 exceed cost and because he never sent them his driving licence and other required documents, he is liable for the full amount of £8000. He had insured his car for three years with them and all this years no one asked for any documents, except for the accident where we have sent them the driving licence and the required documents on 8th of May 2019 and I have this email recorded.

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Hi Rita,

 

I suggest you send them a SAR immediately. Click on the "SAR" link to see what's involved. This should help you find out all that XS Direct have on file for YH. 

 

No more phone contact - keep it in writing only from now on.

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Hi, guys, thank you so much for your help. I did send the SAR's to my husband insurance company, however as I have said he doesn't know English and I am dealing with the case from my email. So my question is, can I just send an email that I am acting on behalf of my husband and is this ok to do so, or they could use this against him? Do I need to do anything particular to state that I am acting on behalf of him? Thank you so much

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So did you send the SAR by email ? If so I suspect it will be declined.

 

Read through the SAR guide and you'll see YH should send the request himself by a signed letter and get a free Certificate of Posting at the PO when you send it.

 

There are times when you can act on YH's behalf but this request should come from him, so get this sent off by post asap.

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On 23/04/2020 at 22:23, unclebulgaria67 said:

Thank you for your reply, but on their Web right now it's says that during the pandemic they are working from home and we do not have to send any letter by post. And I have read the new condition so it's says I can send through the email. However, today they have send me an email that ask if I am acting on behalf of my husband and I want to know shell I says just yes and if they require a letter from him to proof it and just do it and send them, or shell I say that he is sending the email but will appoint me from now on... They do not have my email address on their file and that is why they are asking I am acting on behalf of him.

 

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Do they have any email address for YH?

 

If not you can type the SAR request using YH's name and you don't have to say you're acting on his behalf.

 

But be warned, they could use YH's failure to make the request in writing to delay complying properly.

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Yes, actually they have my husband email but he is working ten hours six days and I prefer to use my one for this correspondence, however if it's stated that the clients must not send any letters to the company, how can we avoid this warning from you?

 

Thank you so so much for your time

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Best that the SAR is sent from YH's email address. It doersn't matter who actually types the email as long as it is his name that signs at the bottom of the email.

 

 

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We could do with some help from you

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Hi slick132, last for today, can you just say if this email would be ok to send them as I am really worried the way I am answering this stuff and doing some grant mistakes. May be if I state that I will act on behalf of him would be better for the situation. Thank you for your time, this is the email:

Dear Emma,

 
I am xxxx xxxx's wife (RitaRita) and I am helping my husband with the translation of the correspondence, however as of 8th of April 2020 complaint email he has stated to reply any future correspondence to this email and from today date he is willing from me to act on behalf of him. Please, feel free to contact me if you are required to ask for written permission from him or any additional information from me.
There is another request for today, kindly acknowledge a receipt that you have received his request for personal data and information the Subject Access Request from the date 24th of April 2020.
 
Thank you for your time and consideration
I am looking forward to hearing from you
 
Yours sincerely
RitaRita
Edited by slick132
names removed
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Hi Rita,

 

I've taken out your names - don't use things that identify you online.

 

No, the email needs to come from YH using his email address and see here for what to say - https://www.consumeractiongroup.co.uk/topic/332398-full-subject-access-request-under-the-new-gdpr-2018-regime/?do=findComment&comment=4904407

 

 

If you are able to access and use his email account, and you have his permission to do it, you can send it off now. If not, YH can send it later.

We could do with some help from you

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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