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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help!! Dispute over deposit!


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Can anyone offer advice here...

 

My sister has just moved out of her rented flat and is now is dispute over the deposit.

 

The landlord wants to charge her for repair of a few scuffs on the walls for which he now wants to completely redecorate. However, apart from these minor scuffs on the walls, the flat had quite bad damp which the landlord had to treat whilst she was in occupation and which also left damps marks all over the walls througout the flat. Would the fact that he wants to charge her for redecoration be seen as betterment as I would have thought a few scuffs may be 'wear and tear'?

 

He also want to charge to replace for lino in the kitchen, which includes charging to remove the fridge and oven in order to put lino underneath these items. However, there was never lino under these appliances as it was cut around them.

 

None of this work has been carried out - in fact he has now re-let the flat for six months which is when they want to carry out the works - is this allowed?

 

Any advice would be appreciated as the estate agent to which this letting went through seem very unhelpful and also seem to be actively helping the landlord??

 

Many thanks!

 

:confused: :confused: :confused:

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Did you receive an inventory at the start of the tenancy? Did you sign it?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hey MrShed,

 

Yes the was an inventory that was signed. The check-in inventory does refer to some patches on the wall and that the kitchen wallpaper had started to peel. It also refers to the damp in every room.

 

Surely then, my sister cannot be liable for the entire cost of redecoration?

 

:confused:

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I do not believe so - that would be a classic case of betterment. She is responsible probably for a percentage of the redecor costs. Bearing in mind the obvious age of the current decor, and the small areas of damage, this percentage should be quite small.

 

With regards the lino, you are right - again betterment.

 

And yes, he can perform the works whilst the tenants are there. However, he must actually perform the works, and must provide you with receipts.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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The landlord and agent said that the work will be carried out once the current tenant has moved out in June.

 

I have asked the agent to say what proportion of the quotes do they want to charge as no doubt they would like to get away with charging the whole amount!

 

We'll wait and see what they have to say to that. In the meantime, what happens to the deposit - will she have to wait until the works are actually done??

 

Thanks for your help!

 

;)

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Ah, they cannot do that. That would require a clause in the contract with regards compensation for future repairs, which I doubt it will do. It would be wholly unreasonable for her to withhold the deposit until June, and the deposit can only be deducted from with receipts. Therefore, you can legitimately claim the entire amount.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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