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    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
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Mazamarie vs Abbey


mazamarie
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Hi All,

Thanks spoonerlee, lula & charley...

this is my letter I would like to send in response to the letter I received today - any suggestions or changes you think I should make please let me know... Maz

Response to Gesture of Goodwill.

 

Dear Gerry Kane

 

Thank you for your letter dated 20th March 2007.

My total claim amount was £779.00 in charges this is now reduced to £729.00 a reduction of £50.00 in reflection of the gesture of goodwill payment which was credited to my account in the form of two separate payments of £20.00 and £30.00 in miscellaneous charges.

I have revised my schedule of charges and a copy is enclosed with this letter which I am also sending via first class recorded/signed for delivery.

My Letter Before Action was sent via first class recorded delivery on Tuesday 13th March 2004 in which I gave your organisation 14 days to respond with a full settlement of my claim. You now have until Tuesday 27th March to respond with repayment of my claim in full.

If I do not receive full settlement by Tuesday 27th I will have no alternative but to issue a claim via the county courts small claims procedure. The Court will allow me to reclaim interest at a statutory rate of 8% from the date each charge was incurred plus court fees and also I could charge for my time in preparation of my claim.

I fail to understand how your organisation or any banks can expect to continue getting away with the unlawful practice of applying excessive penalty charges to their customers accounts, and I will be very pleased when this practice is ruled out by law.

I trust this clarifies my position.

 

Yours faithfully

 

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Hi all!

I updated and reworded slightly my letter above and have sent it via first class recorded delivery today....

Had no response to letter above so I hope that everyone will think it is ok!

maz - - revised letter below

Response to Gesture of Goodwill.

 

Dear Gerry Kane

 

Thank you for your letter dated 20th March 2007.

My total claim amount was £779.00 in charges this is now reduced to £729.00 a reduction of £50.00 in reflection of the gesture of goodwill payment which was credited to my account in the form of two separate payments of £20.00 and £30.00 on 21st March 2007 as miscellaneous fee refunds.

I have revised my schedule of charges and copy is enclosed with this letter.

My Letter Before Action was sent via first class recorded delivery on Tuesday 13th March 2004 in which I gave your organisation 14 days to respond with a full settlement of my claim. You now have until Tuesday 27th March to respond with repayment of my claim in full.

If I do not receive full settlement by Tuesday 27th I will have no alternative but to issue a claim with the County Court.

I will point out for your benefit that I am fully aware of my rights. The Courts do allow individuals to claim back bank penalty charges in full and any interest charged as a result of charges taking them over their credit limit. Also if a claim is taken to court Statutory Interest at the rate of 8% from the date each charge was incurred plus court fees and up to £9.26 per hour for time taken in preparation the claim are also claimable.

I trust this clarifies my position.

 

Yours faithfully

 

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:( I have posted a letter which I have fully printed out and signed - its on my thread Mazamarie vs Abbey...

 

Please could some of you very experienced and helpfull people give it a look over and let me know Should I post today as it is or would you recommend some changes?

 

Also Im currently £450 overdrawn with a £700 overdraft limit - should I be getting this overdraft paid off sharpish?

 

Any help greatfully received!!

 

Maz

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Guest louis wu

It looks ok, but I am unsure if you should include the 'costs' of £9.25. As your claim is in the small claims court, you are not automatically awarded costs (as you would not be liable for abbeys costs if they contested).

 

Apart from that, it looks fine.

 

Louis

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Hi all - I'm still waiting for a bit of help!

 

I Have the letter here! with the registered post stickers etc - I am waiting to post it because I want to make sure that I am not saying anything wrong in my letter..

 

I have been pretty daring in what I have said and I am now unsure of myself...

 

I hope someone replies to my thread http://www.consumeractiongroup.co.uk/forum/abbey-bank/76038-mazamarie-abbey.html today/tommorow before 11:00 am otherwise it will be in the post and it will be too late..

 

Pllleeeeese ;) Help

 

maz

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why have you started another thread?. the last paragraph i personally wouldnt put. dont make it complicated, just send the tried and trusted rejection letter off. thousands before you have been using this. :rolleyes:

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Hi again - - think I'm talking to myself here

 

Now I have sent letter but ommitted the last sentence

 

Also if a claim is taken to court Statutory Interest at the rate of 8% from the date each charge was incurred plus court fees and up to £9.26 per hour for time taken in preparation the claim are also claimable.

 

Now I feel much better about the letter, not that it will make any difference but at least I said it...

 

I'm getting nervous now --- got to get my N1 sorted by Tuesday 27th.

 

The template looks really good but I'm a bit confused? do I need to go to court and pick up the N1 form itself or can I find it online i.e. HM Courts website?

 

maz

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I have merged 4 threads into one.

 

Please keep all questions in this thread. If noone answers and the thread falls down the front page of the forum then post 'bump' into it and it will return to the top of the page.

 

Keeping all posts in one thread helps us to keep track of your case and helps you as you won't need to keep repeating the same questions.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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Hi there, the letter is OK. The 8% applies at the stage where you take your claim to court after the 14days in LBA run out. As to payment of costs, as said before this is not automatically awarded. it would be at the discretion of the court and would be on the basis that Abbey have acted unreasonable by allowing the case to go so far when your claim is the same as thousands and that Abbey has been able to settle other cases with costs aso your claim would not be any different.

 

You can claim costs and time spent at a much later stage after AQ and a court hearing date has been given along with directions from the judged. You claim for the time spent doing a court bundle. As i've read somewhere, Abbey (inga) has admitted that the average court bundle takes around 20hrs.

 

Hope this helps

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Help please - you lovely people!!!

 

I'm now filling out my PDF N1 to take to court tommorow as today Tuesday 27th is my deadline for reply to LBA:-

 

When I fill out the bit at the bottom of the 1st page of the PDF N1 form????

 

In the blue bit where there are the boxes for amounts should I put the amount of the claim including statutory interest at 8% and add court fees to give a total amount to date at the bottom??? or should I just put the charges not including statutory interest???

 

I think I should include the statutory interest 8% in the Amount Claimed..... Just double checking...

 

As I said I'm actually filling the form in right now as I write so a quick answer will be really helpful

 

Iv'e swapped days at work especially to do this....and I'm a bit unnerved..

 

Is there a checklist to ensure that I send everything I need with the 3 x copies of N1?

 

maz

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Bump

 

from particulars of claim N1:

 

5. Accordingly the Claimant claims:

a) the return of the amounts debited in respect of charges in the sum of £729.00 and any interest charged thereon;

 

I take it this means the basic amount without any interest added....

 

thats why I'm confused about filling in the bit at the bottom of the N1...please TAKE A LOOK at my previous thread...

 

Im really quite nervous now :eek: - filling in the N1 and I won't submit it until I know I've done everything right...

 

maz

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"bump"

 

Hellooo!

 

bump, bump, bump

 

Anyone out there?

 

bumpety bump

 

Help I've fallen down a hole!

 

Everyone seems to be ignoring me :( and my "daft?" question/s...

 

I just want to make sure I've filled my N1 in right thats all - then I can take it to court tommorow!

 

Please look at last couple of posts on my thread

 

maz

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Thanks Karnevil

 

Your da man - wow I did it right!

 

Just one more question - in the spreadsheet including interest at 8% which I'll sending with the N1 (in triplicate)

 

How do I deduct refunds...

 

wont refunds affect the interest for the charges they should be applied to... (Ive not applied them to specific carges and just gave the date and description of what they were for as given on the statements.

 

I have put the refunds at the bottom of the list as -(minus amounts) before the amounts are added up but removed the interest calculation... how does that sound?

 

Sorry to be a pain but just don't want to get anything wrong when submitting to court...

 

maz

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A1 - Tripple Star advice as usual Karnevil!

 

Just off back into my spreadsheet to undo the damage, then all should be well for tommorow when I submit to court!

 

I'm nervous and excited now!

 

maz

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Hi all,

 

Thanks for all the best wishes, Burnley County Court now have my 3 x copies of the N1 and schedule of charges I have receipt for £80.00 court fees and off we go...that felt so good!

 

Big up to leecabs, kidneybeaner, knellyk, fendy and everyone else who's on the

 

I even told the courts clerk what I thought about the banks and their charges and she was in full agreement and said that the courts were getting a high volume of claims for penalty charges!

 

So a waiting game and then . .

 

From what I gather - this is whats happening next - - -

 

Abbey now have 28 days to respond with a defence or settle, or they loose by default - - - If they respond with a defence the case will then proceed to Allocation? Then the court send me an allocation questionnaire to fill in? and I will need to prepare the court bundle (all letters, statements etc)...

 

If Abbey contact the court at the last minute they can have another 28 days to prepare their defence? Is that right?

 

When Abbey write to me regarding their defense I can then contact them offering to take settlement in full out of court (including court fee?)?

 

I'm off to do a bit more reading up just so I can feel a little more confident as to how it goes from here....

 

Maz

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No abbey will have 14 days from date papers(n1) deemed served which will prob be friday to state if they wish to defend or not

 

if they defend they then have 28 days from date the N1 was deemed servered

 

if they do not respond with in the 14 days you Supposedly win by default and can apply for judgement

 

it will be come clearer when you get copy from court saying your n1 is deemed servered

 

the info in regards defense or claim for judgement is on it

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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OOOOH Newbody - Thats Friday the 13th April :eek:!!! - lol

 

I'll bump and let you guys know when they let me know re defending the claim...

 

I dont understand why they bother defending at all when in the end they give in before court what a waste of their time and resources - wonder how much they pay their legal team....?

 

When I think of what they did to us fining me £350 in one week just before Christmas 2005 - I still get really angry I will think about that any time I feel nervous or worried re whats to come..

 

Maz

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That's exactly why alot of us are doing this Maz, coz it's made us really angry...... I recall the exact same thing happening around Christmas time - being really hard up for cash and then getting about £300 in bank charges as an extra Chrissy Prezzie.

 

Now is the time to wreak our revenge!

 

Good luck dooder!

 

:cool:

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