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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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poorkaren v LloydsTsb


poorkaren
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Hi

I just wanted to check (and seek some reassurance) that the reply from Birmingham after a preliminary approach for repayment that everyone is getting is the same as mine. I was surprised to recieve a two page letter that went on about me being aware of charges as they are available for all and that they are entitled to charge for additional work and that I have a responsibility to manage my account within their terms and conditions... they may withdraw cheque books etc and they will support referral to the Ombudsman...?

 

Is this standard and is doing nothing til the 14 days are up best?

Also, if they are suggesting me moving my account, can they close it down, i have an overdraft facility at the moment and wondered where i stood with being forced to repay it?

Any support and/or reassurance appreciated

Thanks

Karen:-?

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Hi Karen,

 

Looks like your at the same stage as me! I received that very same letter this morning, so yes, looks like its a standard one. As they have replied, you should probably go ahead and send the LBA straight away. Thats what im doing anyway, it'll be in the post first thing tomorrow morning.

 

As far as your account goes, yes they CAN close it but as i understand it they very rarely do. Keep looking round the site, im sure you'll find all the answers your looking for.

 

Good luck, and let me know how you get on.

 

Gary

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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Karen,

Yes I got the same reply as you so dont worry your not alone. I waited the full I4 days before sending the LBA in today.

Theres mixed feelings on this, you can send LBA in after getting the sod off reply from them but some prefer to wait the 14 days. I read a remark from B/F somewhere " to be as good as your word, no more no less ". So I was did what I said I would in the prelim letter.

Hope this helps and good luck what ever you do.

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I would wait until your 14 days are up. The point of that is to show the court (should it get that far) that you have given the bank every opportunity to respond positively to your request.

 

You stated that they had 14 days to respond. They have done, but they still have time to change that response. Now, we know they probably won't, but in court, you will be able to show that you gave the bank a full 28 days (i.e. 14 days after the prelim letter and a further 14 days after the LBA) to respond before issuing action. Both you and the bank have a duty to try and resolve the matter before going to court. Issuing an LBA 4 days after sending the prelim letter might be viewed as being a little hasty, and not giving the bank ample time to "see the error of their ways".

 

My advice would be to wait until your initial 14 days are up.

... a little

Mahala is a powerful thing ...

 

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Barclays:claiming £908. Defence filed

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I agree with mahala and StoneLaughter.

 

At each step, work to your own stated timeframe and do not be swayed from it. By responding prior to 14 days you show the bank that their actions influence yours, and they should not - remember that you are in control of your claim.

 

Regards,

Bean

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

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Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Hi Karen,

 

Yep, pretty much identical down to the letter. I've been writing the full text of the letters I've recieved out in my own thread, if you want to double check it against the one you've recieved :)

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.

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I would wait until your 14 days are up. The point of that is to show the court (should it get that far) that you have given the bank every opportunity to respond positively to your request.

 

You stated that they had 14 days to respond. They have done, but they still have time to change that response. Now, we know they probably won't, but in court, you will be able to show that you gave the bank a full 28 days (i.e. 14 days after the prelim letter and a further 14 days after the LBA) to respond before issuing action. Both you and the bank have a duty to try and resolve the matter before going to court. Issuing an LBA 4 days after sending the prelim letter might be viewed as being a little hasty, and not giving the bank ample time to "see the error of their ways".

 

My advice would be to wait until your initial 14 days are up.

 

But the letter says this:

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect.

 

They respond negatively within the time period. IMHO, you are justified in sending the LBA following their reply, since they could still be reflecting AFTER the LBA has been sent.

 

You are not starting action yet - just entering dialogue. Letters can overlap in that period. In fact, I would go so far as to say you are being courteous by responding promptly ;)

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thanks everyone. i feel very reassured. I think that i should stick to what was stated in my letter and not be swayed. therfore will wait the for the 14 days are up before sending LBA letter.

will keep you posted.

karen

:rolleyes:

 

timeline:

prelim letter to lloyds sent 14th may. claim for £1190

first " we are forwarding to someone else" reply on 16th May

second "really sod off" reply on 17th may

lba to be sent on 28:rolleyes:th may

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Hi Karen

 

I'm a couple of days behind you & can't wait to get onto the next stage with the LBA.

 

But like you I've decided to wait till the 14 days are up.

 

Good Luck!!

 

Karen

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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  • 3 weeks later...

Hi all

I am filling in my claim form for Lloyds on moneyclaim, but am confused over what to fill in in the interest part. I have copied the section on claiming my right to the 8% interest from the date of the charge, then it continues " and from this date to the date of judgement at a daily interest rate of..." what do i put in here? (I did not leave in the section on claiming interest charges back in my letters as i felt it was too complicated to calculate.) Please help! Hopefully nearly there!

Karen

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Total Claim Amount (excluding Court costs etc) x 0.00022 = daily rate

  • Haha 1

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 1 month later...

its been a long time since i last posted... everything went quiet, i sent the claim off, it was acknowledged and Lloyds said they'd defend.

Today i had through a letter from the court with an allocation questionnaire and the defence from LLoyds, 9 points of defence, signed Alan Ingledew, recoveries Team Leader. Is this what everyone else has found?

My questions about the questionnaire are:

Do i need witnesses?

Do i need an experts report?

An has anyone written anything in the "other information" box?

Appreciate any advice as Im pretty scared to read their defence. Do i need to get anything else together ready other than all the statements and letters etc?

Thanks in advance

Karen:-?

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Mr Ingle fellow was busy, you are the 4th person (me being one) today who have received the AQ and defence from him. Just looking myself and found guidance on the AQ in the Bank Templates Library.

 

Still looking myself for the evidence and cases to mention, but time on our hands for now as I assume your date for reply is 25th Jult too?

 

Good luck be watching and supporting.

Steve

Slightly disgruntled but getting happier as LTSB squirm!!

steve1145 v lloyds-tsb

Data Protection Act done

LBA done

Claim issued 5/6/06 - 6QZ35417

Reply due by 24th June

Responded so further 14 days now 8th July

Defence filed 6th July ......bah humbug!!!!!!!

AQ and defence received on 7th July

AQ filed 21/7/06 12.30pm

Court date set for 16/10/06 - D DAY

***** Settlement Paid 12/10/06 Nearly the whole amount *****:D

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thanks Steve,

i found the library notes and i have completed the form. Wondering now if it is worth calling the defence solicitors, looking at some other threads, this has speeded up teh refunding, offer them the option of not paying teh court fee?

Is anyone going to do this?

I ahve had no telephone contact with tehbank through this process and am happy to not start now, however, anything that makes this move quicker must be a good thing!!

Karen

Moderated : threads merged , please keep to your original thread ,thanks

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Phoning the solicitors is not recommended by CAG.Following the step by step guide is.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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