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    • Click letter of claim follow post 2 But you obv dont issue a new cca
    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
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I've **WON** my claims as well...


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I sent the Data Protection Act letter a couple of weeks ago and have so far received a reply that they will be sending me the required information and that they have waived the fees that are normally charged for this... ironic that, isn't it...?!

 

Now I am patiently waiting for the information. In my case, the charges for the last 18 months (checked on-line) are about £1000, so goodness knows how much it will be for 6 years...

 

Will keep you updated.

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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Great stuff and good news about waiving the fee.

 

Nationwide used to do that before they became all uppity :-D

 

Keeps us updated.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 4 weeks later...

Got all the statements.

 

Have sent the preliminary letter to HSBC Visa yesterday. That's only just £40... but that's £40 more than nothing.

 

Am currently working on the charges for the HSBC current account which will come to approx. £3500 ... I'll hopefully finish the list tonight so I can send it off tomorrow.

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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Superfast response from HSBC Visa on Friday... the usual fob-off letter. So will send my PAL this week. It's only for 40 quid, so surely they won't cause too much of a fuss about it... :(

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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  • 3 weeks later...

Nothing heard at all since PAL on 18th July... Moneyclaim done today... It's only £40 this time round, but hopefully they will take me a bit more seriously when I go in for the big money on my current account... LOL I can't believe they let it get to this stage, they now have to pay back almost double the original amount...

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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Just a list of charges with the Preliminary letter and the Preaction letter, no need to send list of charges again when filing a claim at the court.

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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  • 4 weeks later...

Got my money back a week after default judgment. Just over £77 have been paid into my account today... as yet, haven't got a letter from them yet though... LOL

HSBC Visa - Full Settlement £77

Capital One - Full Settlement £405

HSBC - Action started

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wd congrats

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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