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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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sure no rush

 

lets get all your ducks in-line with the correct info, then the forum can advise you properly.

 

have you all the statements for everything to date?

inc the old OD debt and old loan debt rolled into this consolidation loan you are still paying?

 

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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Thanks dx,

 

As for copy paperwork. 

 

The original loan which was consolidated I have not got a copy of. 

 

The consolidation loan was done by phone, if I remember correctly I was sent a form which they marked for me to sign and return but I have never had a copy given to me. 

 

As for statements on the consolidation loan I have never been sent any. 

I was just sent a proof of earnings letter or request to settle letter form whatever solicitor they were using at the time.

 

The only Statements I have end when the consolidation loan was paid into the account

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get an SAR off to RBS tomorrow its free

and could well reveal some very damaging information.

 

 

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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never ever use email concerning any credit or debt matters

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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Oh ok.  I have emailed them beforehand to get contact info but that's it.  I will check deeds and send off SAR tomorrow.  Will update with deed info as soon as possible and then when SAR  comes through.

 

Thanks for the help.

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not sure what you mean by secure the debt:noidea:

 

they have already secured the CCJ by way of the Restriction k

 

 

 

 

 

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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no bailiff has any right of entry on a civil debt CCJ nor any CCJ for a debt covered by the consumer credit act

DCBL are commercial bailiffs.

 

 

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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  • 4 months later...

open

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Apologies for the delay but everywhere is in lockdown and it is taking forever to obtain information.  Had to go to land registry for copy of deed and they had issues with their payment system.  Hope this is the part you needed.  I have erased personal info and solicitor details just in case.

 

 

I sent SAR request but stupidly did not do so by recorded mail as i thought no one would sign for it being covid 19.  Got no reply.  Sent copy to their solicitor and they acknowledged the email but said that their client had not requested any info from them.  Sent one by recorded mail and got a reply today saying they have received it but can not continue unless i send them a scan confirming my identity.

 

driving licence

Passport

EU national ID card

UK armed forces card

Police warrant card

 

I do not have any of them.

 

All the while I have made 19 phone calls to the number they have provided.  6 unanswered and the ones they answer I am told that the person on the other end is just a receptionist who directs the calls.  every single time  I request to be put through to the case manager dealing with me she is not in office.  they send an email to her to confirm my call and a copy email to her manager.  Not had a return call to date.  Did get a letter to say she is having "telephone difficulties" but no explanation.

 

Still awaiting my return call.

 

What do i do if i dont have the ID they request??

 

Many thanks and again sorry for the delays but im not getting much help from the bank.

Land REg.pdf

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so as post 25.

stuff and all they can do to you.

 

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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  • 2 weeks later...
Posted (edited)

You really need all the data that the bank holds on you.

 

First time I've heard of their collection centre arranging a loan to refinance.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi

 

The issue you have with the SAR as you have previously sent a SAR and they have requested the information to verify your Identiy in post#39 the Time Limit of 30 Calender Days does not start until they have verified your identity and sending another SAR will not change this as they will still ask for that same to verify your identity.

 

What I would suggest as you do not have the documents they are requesting is to simply provide the following if you have it to verify your identiy again remember the Time Limit does not start until they have verified your identity and they are playing hard ball and know what they are doing:

 

1. Birth Certificate.

2. Council Tax Bill.

3. NHS Card with your NHS Number

4. Letter from your Doctor confirming your Identiy. (note there may be a cost for this so always check with your GP first)

5. If on any Benefits as these are via DWP provide these letters.

 

If they still refuse after providing the above and ask for the specific ID in post#39 again report this to the Information Commissioners Office (ICO)

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/right-of-access/how-do-we-recognise-a-subject-access-request-sar/

 

 

 

 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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the op has not moved, hence the charge on the present property.

can't see why the bank are asking for any details tbh..just being obstructive......

 

 

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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Hi guys,

 

I did include birth certificate in last letter.  Also copy correspondence I have had with debt management team and their solicitors to prove my identity and remove any questions they may have about sending information to me.

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one multipage PDF only please

post hidden

 

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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read our upload guide

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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  • 2 weeks later...

Have had the SAR returned to me. 

 

Strange that they have not included any signed copies of loans.  Especially the one i am disputing. 

 

Have sent lists of what I am assuming are details of previous loans but they have blocked out the financial details. 

 

They list the final loan as being administered by telemarketing unit and list it as a home improvement loan. 

 

The full and final investigation into this matter as they stated in the letter consists of 2 small paragraphs. 

They are saying I should have brought the complaint to them much sooner

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so you now have all the statements of all the loans from day one?

 

 

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 never included statements.  Just a list of each loan.  Date taken out and amount.

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