Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

miss_angie1 v LloydsTSB


miss_angie1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6564 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've been reading these boards for awhile and picking up loads of great tips and advice regarding claiming back unfair bank charges and have decided to start a new thread to track my own progress.

Steps taken so far:

10.03.06 Sent DPA letter and received statements about 3 days later (no charge)

20.03.06 Sent preliminary request for repayment of charges £345 + overdraft interest.

23.03.06 Received standard response saying they won't pay back charges, must keep account in line etc....

03.04.06 Posted letter before action recorded delivery to Recovery Services department who sent me the standard letter and copied in my branch.

05.04.06 Received second letter from Lloyds refusing again to repay charges which states:

 

"Unfortunately, I am unable to add any further information to my letter dated 22nd March 2006, although I do respect your opinion about our charges.

 

This letter is the banks final response, which means that if you remain dissatisfied you may now refer your complain to the Financial Ombudsman Service."

 

I am going to file my claim just need to know from others who have already done this process whether I wait 14 days from my last letter now that I have received the response or can I make the claim immediately following their refusal?

 

I just want to make sure I follow every step correctly so that I don't get tripped up later down the line.

 

Any advice much appreciated!!

Link to post
Share on other sites

I asked the same question.

 

If that is their response and they have stated they have nothing to add, then they have made their position clear, so no need to wait 14 days.

 

You are giving them in effect upto 14 days, and they choosen to repond sooner, put the claim in.

 

Good luck, I've just put in my LBA, so I hope they repond to mine as quickly as they did yours and don't forget to add the 8% interest as well.

Link to post
Share on other sites

I've got a claim going against nationwide as well, and you do keep wondering if your the one they'll go to court with, but you just need to keep reading the forum and posting your progress, people are very supportive and helpful.

 

At the end of the day it's your £400.

Link to post
Share on other sites

I've been reading these boards for awhile and picking up loads of great tips and advice regarding claiming back unfair bank charges and have decided to start a new thread to track my own progress.

Steps taken so far:

10.03.06 Sent DPA letter and received statements about 3 days later (no charge)

20.03.06 Sent preliminary request for repayment of charges £345 + overdraft interest.

23.03.06 Received standard response saying they won't pay back charges, must keep account in line etc....

03.04.06 Posted letter before action recorded delivery to Recovery Services department who sent me the standard letter and copied in my branch.

05.04.06 Received second letter from Lloyds refusing again to repay charges which states:

 

"Unfortunately, I am unable to add any further information to my letter dated 22nd March 2006, although I do respect your opinion about our charges.

 

This letter is the banks final response, which means that if you remain dissatisfied you may now refer your complain to the Financial Ombudsman Service."

 

I am going to file my claim just need to know from others who have already done this process whether I wait 14 days from my last letter now that I have received the response or can I make the claim immediately following their refusal?

 

I just want to make sure I follow every step correctly so that I don't get tripped up later down the line.

 

Any advice much appreciated!!

 

Hi

have you had replies from your branch ?

 

Krystyna

Link to post
Share on other sites

I initially wrote to my branch and they forwarded my request to Mandy Horton in the Birmingham Recovery Sercives department. They only wrote to me a standard letter to say that my letter was being dealt with by another department. I haven't heard anything from my Branch since.

I'm going to complete my claim today so will keep you all posted.

Link to post
Share on other sites

Okay claim is now filed for a total of £460.34 including the £50 court fees

Roll on 14 days....

It will be great if they don't reply to my claim but I have a strong feeling that they will. Right I'm going back to reading up on the What next section of the Hmcourts website!!

Link to post
Share on other sites

Hi miss_angie1

 

At least you got one reply albeit the standard one.I posted my claim to the court,just phoned them now it will be served on Monday.The girl at the court said they were very busy, I can see why lol.All steam ahead now.Good luck with yours keep us informed with the good news.

 

Best wishes

 

Krystyna

Link to post
Share on other sites

Claim Number 6QZ22841

Quick update I recieved my Notice of Issue from moneyclaim today which states that Lloyds will be served on the 12th April and that they have until 26th April to reply so watch this space... I will let you know if and when I hear more from Lloyds soon!!!

Link to post
Share on other sites

Fortune favours the brave Angie.. keep us informed..

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

Link to post
Share on other sites

I'm about to start the process of claiming back my charges with Lloyds as well.

 

Good Luck.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

Link to post
Share on other sites

Claim Number 6QZ22841

Quick update I recieved my Notice of Issue from moneyclaim today which states that Lloyds will be served on the 12th April and that they have until 26th April to reply so watch this space... I will let you know if and when I hear more from Lloyds soon!!!

Looks as though we're on exactly the same time scale Angie. I got a letter yesterday with the same dates on. Wouldn't it be wierd if we ended up at the same court.

 

All the best. Let's get our money back.

 

HD

Link to post
Share on other sites

Thanks for all of your support guys. Have you got a thread going too HD? I will keep track of yours too as we should hopefully get the same FAVOURABLE response for our claims at the same time!!

See you've found it:D

I'm expecting it to be on the steps of the court. We should hear what they intend to do soon.:D

Link to post
Share on other sites

Quick update - I have received a Notice that Acknowledment of Service for my claim has been filed. It states that Lloyds intends to defend all of the claim. They now have 28 days from the 13.04.06 to file a defence so watch this space....

Link to post
Share on other sites

  • 2 weeks later...

The way I understand it, you should shortly recieve a Court Allocation Questionnaire, and as outlined in the FAQ:

 

Fill this in (very simple and very quick) and return it to the court (you must do so within 7 days of receiving it). Pay any additional fees (mentioned earlier) at this point. Send a photocopy of the questionnaire to the bank - it is debatable whether you need to do this or not, but it's better to be safe than sorry over the price of a stamp.

 

The FAQ goes on to suggest that the Bank will more likely than not fold before they actually come to defend their case. However, the court will then set a date. You're best off reading through the related threads here.

 

Hope this helps some!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

Okay I've received my Court Allocation Questionnaire which has to be returned by 27.05.06. Must admit getting a bit nervous now but am still prepared to take it the whole way. I am seriously out of my comfort zone now. eek!!!

Link to post
Share on other sites

Chin up Angie, just keep it in mind, you are in the right, the banks are not !!

Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

 

Statements recieved 5th May 2006

Claiming back = £3913.65

 

Preliminary Letter Sent 5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

 

Letter Before Action Sent 9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

 

Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

 

Acknowledged 15th June (28 days to defence)

Time up on 13th July.

 

Defence Recieved 7th July

 

Going Before the Judge 15th September

 

Court Date 5th December

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6564 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...