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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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cariP v Abbey National


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Hi all, I have been referred here to claim bank charges back from Abbey but I think the first step is to open a new account in case they get difficult and take my money? Unfortunately I have defaulted on credit cards and loans in the past so the banks I have tried will not let me open a new account. Does this mean I have to accept the charges and just carry on? Any advice would be great.

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Have you tried to open a 'basic' account?

 

Natwest have a basic account called a 'Step Account' - only takes a couple of minutes to set up online. Has facility for Direct Debits etc, even comes with a Debit Card. Several users on this forum who have what they would refer to as a bad credit history have opened these accounts without difficulty.

 

Other banks offer similar 'basic' accounts so you may want to shop around.

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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I opened a step account online. They were really fast and I received my solo card and pin in a few days. It may not be an account that has all bells and whistles but it will suit me fine for a bit.

Good luck.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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I fully endorse what Pam says. They don't appear to do credit checks which is really good.

 

Good luck.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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i would just like to point out that i have been refused a

nat west step account and a co op cashminder account, and this is to do with my credit file as i was told by the peeps on the phone.

 

I phoned them and they said that something may be on my credit file which made the "computer says no" (i can just imagine them being like that at the bank as little britain portray them LOL)

 

im going to have a look at my credit file, I must admit as i moved i stopped paying on my debt management plan, stupid mistake i know but have come to my senses and restarted it, im assuming that this is probably why no one at the banks will touch me with a barge pole, oh apart from barclays and they were one of the creditors i owe and one of them i stopped paying, im a bit afraid to put money in it for fear they may take it to cover my barclaycard debt, but i have added them to my dmp now.

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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I'm sure I saw a post where somebody said if you apply for a 'Step Account' over the phone they can't do a credit check just for that account, they just do a general credit check for a current account.

 

I've not yet come accross any posts where somebody has been refused a Step Account when they applied online - please correct me if I'm wrong.

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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BTW nat west step account do do credit checks! ive just opened one and its on my credit report!:roll:

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Well, I have a cr** credit report and I applied online and got one no bother.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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I'm sure I saw a post where somebody said if you apply for a 'Step Account' over the phone they can't do a credit check just for that account, they just do a general credit check for a current account.

 

I've not yet come accross any posts where somebody has been refused a Step Account when they applied online - please correct me if I'm wrong.

 

 

barracad i have just been refused a nat west step account and i applied online. it could be that i have stopped paying on my dmp that has caused the problem when its all up and running again i will apply again.

 

they did say that once i get my credit report, and if everything looks in order(as it can be on my credit file) then i am to go into the branch of natwest with my credit report and my debt management plan details and they will look at it again.

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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I must admit as i moved .

 

blinkyblinkyblonk

 

Are you on the Electoral Role? at your new address? if you are not after your move I doubt you would get any account in my experience anyway!! I cannot see a Step account being refused for bad credit, so it has to be something else. Get a copy of your credit file, you can get one online from Equifax, that will probably tell you why.

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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It should be possible for almost anyone to open a basic bank account. The Coop Cashminder account is even available to undischarged bankrupts.

 

There are three main reasons you may have problems:

 

1) You have no means of proving your address. Banks have to receive suitable ID information to prove who you are and where you are. They may well use a credit check to do this but they shouldn't credit score. In other words what's on your credit file shouldn't affect your application.

2) Important exception- if you have a CIFAS (ie fraud) record on your credit file this may count against you. If you are having problems getting hold of your credit report is important,

3) Bank staff will often put you forward for a full account and not a basic account. This may be a mistake but it may be that they get more commission if they sneak you through.

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blinkyblinkyblonk

 

Are you on the Electoral Role? at your new address? if you are not after your move I doubt you would get any account in my experience anyway!! I cannot see a Step account being refused for bad credit, so it has to be something else. Get a copy of your credit file, you can get one online from Equifax, that will probably tell you why.

 

Chris

 

hi chris, i have a council tax bill if that puts you on the electoral roll i dont know, come to think of it ive never had a polling card so maybe you could be right, it could also be that i sent my halifax statements with umpteen charges on it, perhaps that was it,

and unfortunately i dont have a debit/credit card to do the credit file online but i will send them a postal order and get it that way, I dont suppose i could use my mums debit card to get the file??? that may be seen as fraud

thanks for your reply chris

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Share on other sites
I dont suppose i could use my mums debit card to get the file???

 

I'm fairly sure you can. I know an independent mortgage advisor and I think they pay for credit file requests on behalf of their clients.

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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It should be possible for almost anyone to open a basic bank account. The Coop Cashminder account is even available to undischarged bankrupts.

 

There are three main reasons you may have problems:

 

1) You have no means of proving your address. Banks have to receive suitable ID information to prove who you are and where you are. They may well use a credit check to do this but they shouldn't credit score. In other words what's on your credit file shouldn't affect your application.

2) Important exception- if you have a CIFAS (ie fraud) record on your credit file this may count against you. If you are having problems getting hold of your credit report is important,

3) Bank staff will often put you forward for a full account and not a basic account. This may be a mistake but it may be that they get more commission if they sneak you through.

 

1) ive only been at this address for under a year but gave them my previous address which i was there for 7 years.

2) never done fraud

3) definitely a basic account applied for.

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Being registered for council tax is not the same as being on the electoral roll. Ring up your local authority and ask for a form.

 

 

 

thank you so much i will do that

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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Share on other sites
1) ive only been at this address for under a year but gave them my previous address which i was there for 7 years.

2) never done fraud

3) definitely a basic account applied for.

 

You don't have to have done fraud, you could be a vicitm of it. Huge numbers of people are having their credit reports screwed as a result of ID theft.

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thank you so much i will do that

 

Yes you need to be on the Electoral Roll.....and get a copy of your Credit File, it would be hard to go any further without that, there may be lots of things on there that you are unaware of, or just not correct which could affect you.

 

But proof you actually live where you say you do is a big one. Electoral Roll I think is very important, make sure you are registered.

 

I think you could register online using,your mums card, but if they have just recently turned you down for the same account I think you would be wasting your time.

 

Maybe best taking care of the above first then trying the CooP or another bank, you could always then go back to the NatWest in maybe 3-6 months time if you had too.

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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  • 2 months later...

Hi all, haven't really done anything to push my claim but they have just charged me £30 for going £0.40 over so it's full steam ahead now. Trouble is my Dad used to work for Abbey so he is against me pushing this. Will let you know how we get on.

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