Hi All, Just to clarify things, I paid weekly by standing order, paid 4 weeks rent in advance + £500 deposit and paid rent from the first week. The LL said today that I didn't pay the first 4 weeks, so I need to get the statements from the bank and prove him wrong. I didn't know abou the law change in April 2012, will have to look that up. Thank you all for you contributions.

No, I didn't

Before I moved in I paid 4 weeks rent in advance and £500 deposit by two separate cheques. When I moved in I started paying from the 1st week.

I have the copy of the agreement and it mentions £500 deposit and 4 weeks rent in advance to be paid.

That was my understanding too. If the rent was increased last year and I signed that then did the deposit fall under the deposit protection scheme?

But, if he had taken the deposit before the law came into force, did he still had to protect it?

Hi LaughingGirl, Thanks for your reply. The deposit isn't protected. When the tenancy started in 2003 I don't think the deposit protection scheme existed. Will I be able to get statements about 10 years back?

Hi messycess, Thank you for your reply. I have statements from 09/12/05 up to December last year. He is just saying that their ledger is showing I am in arrears. I've asked him to send a copy of the full ledger. As I mentioned before I never missed a payment since the start of the tenancy and it was paid by standing order. When I signed for the rent increase he never gave me details of the deposit scheme. Regards

Hi Everyone, I moved into my previous flat in May 2003 and I paid 4 weeks rent in advance and £500 deposit, both by cheque. The rent was increased once in 2012. I have never missed a payment during my tenancy there. I duly gave 4 weeks’ notice on 10/12/12 and moved out on 05/01/13. I didn’t pay any rent after giving the notice. Now the landlord is saying that their ledger is showing that I am in arrears and if I can’t prove otherwise I owe them 4 weeks rent. I don’t have the old bank statements or the cheque book anymore nor do I have an account with that bank. Can anyone please advise me how best to deal with this? Also throughout November/December due to a leak in the water pipe and boiler problem, for some time I had no hot water or running water at all and I had to go to a B n B and pay from my own pocket. Thank you all.

Thanks citizenB

Hi All, Could someone please check the Payplan IVA proposal and advise if it is OK. Regards iva-proposal.pdf

Hi, I need to write to Lloyds regarding my current account to hold action, should I write to the branch manager? If not, then could someone give the adress to send the letter to. Thank you

Hi all, Sorry for taking so long to give an update. I had my telephone discussion with Payplan yesterday morning and the Payplan lady advised me that they could get an IVA set up for me. She calculated that I could make a monthly payment of £75, but according to my calculations I could pay around £150 and I really didn’t want an IVA. She also said that since I am around £900 overdrawn on my business account that’d have to be added to the debts and I’d have open a business account with another bank. But I think opening a business account with another bank won’t be that easy. Do I really need to include my business debts on the DMP/IVA? Is Bankruptcy better that IVA? I don’t have any assets. I had a phone call from Lloyds card services on Friday and I was told to make a payment ASAP. I told her that I was seeking advice from Payplan and asked her whether they could stop all charges and interests. She said that since there wasn’t any payment plan setup they wouldn’t be able to do that. Sent a letter to Egg on Friday asking them to hold any action. BTW still can't find sequenci's blog. Thanks for reading. Your thoughts please.

Thanks Ghost for your reply. Haven't contacted Lloyds yet. I'm not sure whether to contact them first or contact CCCS or Payplan first and then contact Lloyds Fortunately all the utility bills and council tax bill are up to date. Paying my last years income tax by monthly plan. Opened a basic account with Natwest last week. @ dx100uk. The link is still not working. Getting an 'Invalid Blog specified' error

Hi dx100uk Thanks for your reply. Unfortunately the link in your post is broken and the link in your signature is broken as well. I can't seem to find the guide. My brains aren't working