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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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I thought I had posted but I must not have pressed the button, hope you are ok ! best get checked out though just in case, you never know.

Do we have to call you miss whiplash now?:D

and check out your house insurance as well see if you can something back for you freezer and wasted food ! take care Enaid x

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Wow enaid!!!! Up there for thinkin', down there for dancin' indeedy methinks!!! Clever little stalyvegas bird you!!!!!!! xx

Can't find what you're looking for? Please have a look at Michael Browne's

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I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Miss whiplash pmsl :D ok that did the trick I'm laughing now :D


did check out insurance as suggested! can't claim anything for the machine itself.... was to old, but can claim for food! probably won't bother, as food loss was minimal. discoved it was'nt working before it actually stoped working.... if ya know what i mean! have tempreture sensor in fridge, when it said it was to warm, we pulled it out and discovered a pool of coolant on the floor behind it.

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If you have a 50quid access on your insurance it doesn't take much to make £100 quid in food in a freezer, I'd have a do any way thats what you pay insurance for! They don't know what was in your freezer do they? As for the whiplash it was a couple of grand I bet it's more than thet now!

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Ooooo looky I have a guest! ........ wonder if it's cobbets??

here's something to take back to yer clients.


example of how a company "should" work


Auto Trader Insurance......... oh your in trouble.......... ok mrs Tempty......sit back and relax..... let us take care of it!!!



Natwest........oh your in trouble......sit back while we make it WORSE LOL

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If you have a 50quid access on your insurance it doesn't take much to make £100 quid in food in a freezer, I'd have a do any way thats what you pay insurance for! They don't know what was in your freezer do they? As for the whiplash it was a couple of grand I bet it's more than thet now!



Blimey really!!!

well I'll get checked out, but I'm not gonna say I've got whiplash unless I really have, It's just not in to lie about it. would be nice to get a little something though.


anyway, I really gotta get out of this chair, getting quite uncomfortable now. think I may go for a nice long soak in the bath!


catch you tomorrow :)

nighty nightxx

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morning enaid


very sore, back not as painfull as it was yesterday, but neck feel like it want's to drop off..... not nice....... have decided I don't want to be in another car crash...... they make you hurty ;)

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am waiting for doc's to open, will give em a call I think and see what they say. if they want us to come in and get checked out, that's what we'll do

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lol sitting here with hot towel wraped round my neck! gotta take youngest to school in a min, so i'm trying to free it up Hehe.


loads of pain killers me thinks..... that's the ticket

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You should do really you never know ! and even if you only get pain killers and the all clear, better safe than sorry. There was a lad on tv yesterday, he has had a broken neck for I think 18 years and never knew.

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Hi Tempty..just popped in to say hello and hang in there! Tell your other half it works! I received an offer from Natwest yesterday after no communication over 3 months! They have offered ALL bank charges..as I live in scotland I had to complain through FO but that was only 2 weeks ago so I am jumping up and down at the moment. Hope you have a good day :)

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right doc's have been called.

gotta wait for the duty doc to call me back, may have to pop into local hospital for check up by the sounds of it. Hubby in a prety bad way this morning..... think he's worse off then me... poor hubby :(

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Hi Tempty..just popped in to say hello and hang in there! Tell your other half it works! I received an offer from NatWest yesterday after no communication over 3 months! They have offered ALL bank charges..as I live in scotland I had to complain through FO but that was only 2 weeks ago so I am jumping up and down at the moment. Hope you have a good day :)



That's fantastics news green :)

hubby has read through the site a bit now and is back on side Lol.

specially after last couple of day's! he want's me to go for it now :)

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Morning Tempty. Just wanted to say, threads closed and possibly deleted later today, so I will catch up with you on the other site hun, only for the fun stuff. Keep your thread here too for the serious stuff, the more heads working on helping you, the better. Take Care Tempty. See ya over the road.


Fendy xxxxx


ABBEY BANK - £5500.00 WON




*************************************************:D :D









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After last weeks shananagans I've finaly managed to get my head together enough to write to coblers!


I think this covers everything I want to say at this point, let me know if there's anything I've left out (or should have left out).


Dear Lynsey Burgoyne

In an effort to keep negotiations open at this point I am willing to provide you with all information I have to date in support of my claim against your client Natwest Bank PLC.

I had previously tried to resolve this matter directly with your client to no avail. In fact Natwest offered no communication until after I had filled my request to reclaim charges with the court!

I feel I must take this opportunity to inform you of my decision to amend my claim. This in part is due to a failure on behalf of Natwest to provide a complete list of all information when requested to do so. I have included a copy of an email sent to Mr. Higley on the 11th June at customer relations, as it explains my reasons for wishing to submit an amendment to claim via form N244. I am awaiting communication from my local court before I submit this form. I have also included for your records the revised schedule of charges containing the true and total amount that I now wish to reclaim.

I would like to bring to your attention the section of the email relating to Benefits paid into the account! And to the law protecting these benefits

Tax Credits Act 2002.

45 Inalienability

(1) Every assignment of or charge on a tax credit, and every agreement to assign or charge a tax credit, is void; and, on the bankruptcy of a person entitled to a tax credit, the entitlement to the tax credit does not pass to any trustee or other person acting on behalf of his creditors.

(2) In the application of subsection (1) to Scotland-

(a) the reference to assignment is to assignation ("assign" being construed accordingly), and

(b) the reference to the bankruptcy of a person is to the sequestration of his estate or the appointment on his estate of a judicial factor under section 41 of the Solicitors (Scotland) Act 1980 (c. 46).

I can and will provide proof in the form of full statements in support of this serious breech of the law on Natwests part If and When I am requested to do so by the court.

As you will also notice in my mail! I have since had to take out a personal loan with Natwest to clear “Debt to this Bank” A Debt the bank themselves created by taking funds that were legally protected!! I feel that I was left no choice but to accept the loan to protect any further funds being levied from my account, leaving me without the funds to provide even basic necessities for my family!. I am seriously considering given the banks behavior bringing this complaint to the Financial Ombudsman for their consideration.

I would also like to take this opportunity to Decline an offer made by your client directly, dated 5th June and thus not in response to my communication by mail on the 11th June.

The offer is not given as an admission of liability of error! And has been offered as full and final settlement of my complaint, as a gesture of goodwill. The amount being offered is £3,005.00 paid directly into my account. While I am willing to accept this amount, I will not accept it as full and final settlement And will only accept it as part payment and will continue pursue the full amount now standing at £5,608.87 inc 8% interest (the standard the court will award) + court fees (currently standing at £120)

If your clients are unable to agree that this amount is made as part payment then I shall decline the offer entirely and continue my claim through the court process.

Finally I have also included my response to your request for CPR part 18.

I hope the information I have provided Clarifies my position.

I look forward to your future communications

Yours Faithfully

Mrs. Tempty

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