just for anyone in the same boat, the application went through fine and no issues. The landlord was happy to let before the credit check had even gone through 100% from work references, so it seems for rental DN's are not that big a deal, thanks for everyone's advise, moving in 6th June!

thanks, i spent the morning reading into this and it seems the credit check is mostly of public records to check for no bankruptcy or CCJs and address history ect. My recent credit history is good with no late payments so i decided not to declare the defaults, fingers crossed it goes OK!

have found a property to rent (currently at home with parents), i used to have very good credit history, but got 3 defaults about 2 years ago due to illness and job loss. One was for £500, £680 & £800, all credit cards. I have cleared most of my debts now (bar the default amounts as there was no credit agreements for any or issued defective default notices) and earn and average wage with little out goings at the moment. I'm just about to drop my rental application for to the agents but it states to list any bad credit, such as bankrupt, CCJ ect but does mention any other adverse credit history? Do i need to mention these defaults? I got Vanquish credit card last year (balance £0.00) and a HSBC credit card (who i bank with) in January this year fine and existing Argos and credit cards keep increasing my limit as balances on them are low. Thanks for your advise.

Thanks, we can not ask the LL though as we do not have his\her contact details. We have worked out that for admin and credit checks with this letting agent is a minimum £475, i have just had a e-mail earlier from another letting agent who charges £140 (connells) for the same checks and admin, so as far as we can see we our being over charged and will not proceed with the property unless they are significantly reduced reduced.

Myself and my girlfriend are looking to rent our first small house\flat together. We have found something that we deem reasonable for the area, but shocked at the fee's involved! So far its to apply; Admin fee £50 each = £100.00 Referencing fee £75.00 each = £150.00 Half of the first months rent for holding fee: £300 (this is then deducted from deposit if accpeted) If the credit check is failed, the only refund would be the holding fee. My parnter had a CCJ (long story) but soon as she knew about it she paid it off and is marked as satisfied. (we are in the process of requesting it to be moved due to the creditor iseing a address never registered to her to sent all documents to relating to this CCJ) If we were accepted the following fees would apply; Tenancy Agreement Fee: £150.00 Inventory Fee: £75.00 Pet Charge: £75.00 1 months rent in advance (standard practice) Deposit to the value of one ones rent (standard practice) Now its been about 3 years since i last rented, but I'm pretty sure all i had to pay last time (for a joint application) was about £150 to cover admin and credit checks. Is this now standard practice or are we being taken for a ride? Thanks

well a year on and the odd letters pop through the door. Never had a termination letter from M&S though unfortunately

after offering me in real terms 50% off the alleged debt, and advising me that December is a hard time, Credit Management Consultant 'may' now be proceeding with legal proceeding. They 'may' instruct there solicitors to 'consider' legal proceeding. Did i mention legal proceedings, and possible legal proceeding? Anyhow i can confirm without doubt that i 'have' filed the letter for any future requirements just in case there reading. I suspect your letters will be in the post shortly, they kindly gave me 7 days to pay balance in full on alleged account, that was dated on the 21st December over the Christmas period via 2nd class........make your own assumptions

Without a CCA they would be very silly to apply to the court for a CCJ, if they did at any time your first reply to the court would be to obtain and view the CCA on the alleged account, and then take it from there in case of defence such as faulty DN's ect. But this all cost the DCA money and as you will probably know they buy for fraction of cost of debt and these court costs would each into there profit if the debt was ever repaid in full. But this company like the ones prior to them in my case will eventually give up and sell this alleged debt on to someone else and the circle will continue, hence why i don't even reply to anything any more, just file in case i need to refer to in future, as the damage to your credit file has already been done with the default notice, so your best effort is to start rebuilding your credit profile with a Vanquis card, mobile phone contract, catalogue accounts and pay in full each month.

snap!

and very much like Brown, in a few years these debts will disappear anyhow

Just to let you know i got a letter from Credit Management COnsultants saying December and January are very hard times, and that for every £10 i made they would match it, so effectively 50% off the alleged account balance. I would not even bother replying to them any more, if they had enough to take you to court and recover the full balance why would they ever dream of offering 50% off!?! This, like all the other letters from various DCA's has been filed in my ever increasing section for MBNA

Mini result, after making clear that TUPE must at least meet or better all conditions of previous contract, a minimum call out fee of 4 hours pay (at what ever the time\daily rate is at the time) was agreed. We were all very happy that an agreement could be reached. Thanks for everyone's comments.

I have received exactly the same letter, i was going to forward them my letter accepting MBNA's unlawful rescission of contract from whay back in the year, but thought why bother, all they will do is sell on to another company who will send you a very similar letter

Thanks for your reply. Yes overall we are better off on new contract, but obviously trying to get them to match all aspect where possible, were not talking much in terms of pay (£25 call out payment + 2 hours pay) the council will only pay us 2 hours pay and no call out fee but we feel this £25 fee is justified as the hours are unsocialabe and there is a risk element involved . We made our point clear with them today and the manger seemed to let on there could be some flexability, but we will wait and see.

Long story short, myself and small team are transffering from a private company over to the council (we run a customer service bulding) and car park We are protected under the TUPE regulations, and was on the understanding that a new contract (council) could be offered as long as it was at least the same or better conditions than we are currently on, or have the opttion to stick with exisiting contract. The Council contract is just about better on all apsects apart from car relsease fee payments (which is less than we currently receive), can anyone please just confirm that the the council under the TUPE need to at least match the payment that our current contract offers? Many thanks

Thanks for the replies, just had time to follow this up. I had a reply from Alasdair Stewart, Senior Business Associate, Tay House Glasgow. I shall reply to him requesting this is now a formal compliant until I see the overdraft agreement i signed up-to along with the original T&Cs and include £10 cheque and the SAR Request, does that sound about right? thanks

I opened a student account with them 4 years ago with a 2K overdraft, this was interest free then moved to a graduate account. I was out of a job after Uni and ill and could not have worked even if i had found one. I started paying back the over draft at what i could afford (£35 a month) and have got it down to £1800, now the account has changed into a standard account and interest has gone from £6 a month to £29 so of my payments £6 will reduce the balance Is there anything i can request to see what terms and conditions i signed up for as i can't find my original paper work. I have written to RBS with my concerns about the high amount of interest rise and they basically told me it was what i signed upto. Thanks

Thanks for your reply. I have sent them a e-mail through my o2 section on my account requesting pac code and address to write to, this was its in writing twice, if no reply in couple of days i will call them, thanks again for advise

My 18 month contact comes to an end, from o2 web account details on: Contract renewal date 31 October 2010 i do not wish to renew, do i just give them 30 days written notice and request my PAC code at same time within the letter? Is there a template anywhere or address to write to? Thanks

Hi all, i need to contact RBS via post following up my overdraft rate, it has gone up from £10 a month interest to £30! Does anyone have postal address as i think the or is it still this? As heard they where closing some down? thanks 5th Floor, Tay House, 300 Bath Street, Glasgow, G2 4RS

they can take out of overdraft and thus create a second debt if they really wanted (p.s i only use my over draft as back up (99% of time i'm in credit these days thank god!)

i had same problem with HSBC and a M&S card, i got offered a bank account with Santander but despite sending them prof of my overdraft with HSBC they would not match it, so i'm chanceing it with HSBC atm for a while will i can get a bank to match my overdraft as i do use it a bit

yes if they really wanted to as there part of RBS, it will be in your T&C's

Arrah, i see. Nope, no reply from MBNA, sent 1st Class Recorded so i know they got it. I will send doorstop callers letter ASAP I have no idea about the phone part, and its not true anyhow, it not even in my name at home address and never spoken to them over the phone.

Can anyone please look at letter i received from Experto advising that they had bought the interest and outstanding balance on my MBNA account. I subsequently sent MBNA a letter of Unlawful Rescission on my account with them due to faulty DN. Today i received this from Experto, nothing unusual as had a couple similar, but this one struck me as it refers to acting on behalf of MBNA and mentions them as a client? I though letter i got of them in post number 19 said they had bought debt and were legal own? Anyhow here it is: http://i35.tinypic.com/zmmrvc.jpg Should i advise them now of the faulty DN notice and letter of Unlawful Rescission sent to MBNA? I would also send letter requesting no doorstop callers and mybe a letter advising that any litigation would be defending on the back of the faulty DN? thanks