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    • So sorry it's took me a few weeks to respond back to you. Thank you so much for your response. My grandfather is clear about the pension deductions on his pay slips.  As I mention before all these went missing in the burgarly. We have tried Willis Tower Watson but they were not to helpful. I am stuck what we can try next. Thank you again.     
    • 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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Harleypups V Lloyds TSB


harleypups
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hi sorry to be a pain, I've got the acknowledgement through the post should I send a copy of my charges to there solicitor, I sent a copy of the charges recorded delievery the same day when i put in my claim to the courts

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I've actually answered it myself and yes I do, I found the template what should I say about the overdraft intrest which I'm claiming but I know is wrong, as I didn't work it out and just put the follow amount what they said in the schedule of charges? lol

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  • 2 weeks later...

I've finally got the defence through, it is being transfered to Swindon County Court and they are doing with out questionaire

 

The defence

1 and 2 are just standed points about the accountand the bank

3. By mainting the account in credit, or within any limit agreed with the bank. the customer may avoi most if not all charges, If the customer faoils to ensure that there are sufficient cleared funds in the account to cover payments whether by chq, dc,st or dd the customer makes a request for a payment to be made from the banks own fund. If the bank makes a payment, or returns he payment, it provides a service as specified ibn the leaflet and makes a charge in accordane with the terms of the contract. on page 1 of the leaflet, the Bankexplains that ? there are normally no charges for everyday banking at lloyds TSB when your account is in credit. When you use an agreed overdraft, there is no monthly fee and we only charge intrest on the amount you are overdrawn each day. Where you go overdrawn without an agreement or where you use special services such as copy statement, we will make a charge. This guide explains how these charges work, and when they will apply. If you want to use a service that we haven't listed, we'll tell you the cost of that service before you give us the go ahead".

4. There is no breach of contract, the charge cannot be a penalty, consquently there is no requirement that the charge be a pre-estimate of the banks loss.

5. is all about the warning and prior notification

6. the charges are fair and reasonable, and it is denied that they are unawful.

7. the customer is notified of the charges in plain ittelligible language at the the conclusion of the contract, and on each monthly statement The charges are terms which relate tothe price payable by the customer for a service provided by the bank, and pursuant to Regulation 6 of the Unfair Terms in the Customer Contracts Regulation 1999, are not subject to the assessment of fairness.

8. In the premises

8.1 the charges are for banking services, and are not damage nor a penalty;

8.2 The bnk is entitled by contract to impose the charges, which are fair and reasonable;

8.3 it is denied that the charges are unlawful or contravene any statue or regulation.

9. The claimant's claim is denied in its entirety. It is further denied that the Claimant is entitled to the sum claimed or to any sum from the bank.

 

 

I don't know what most of it means so help please:confused:

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  • 2 weeks later...

Still not heard from the court, but got a letter from Andover today, basically saying they are still not in a position to respond fully to the complaint, and I'm ensure you undersand your rights ect... please bear with us for a little while so they can try to reach an amicable conculsion.

 

What does this mean then? do they not realise that its going to court and is this just another bob standard letter sent out automatically

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Hi got a letter from the cc today.

 

It is ordered That

the is stayed to enable the cc to file and serve a schedule setting out how the £4849.24 ha been calculated. If the claimant fails to do soby the 15/08/07 the claim shall be stuck out.

 

Is this just a case of posting my spreadsheets with the list of charges on? or somethink more

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Ok being totally thick.

 

I've printed off my schedule. Just about to write a letter it says please address letter to the court manager. I have a district judge name but do I literally address it to "the court Manager" and please find attached a scehdule setting out how the money has been calculated

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Hi

Yes send a copy of your schedule to the Court and one to the Solicitors.

Barty:)

 

Why do I send one to the solicitors, I did send one as soon as I filed my claim, which a copy was sent to me when i got the defence

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