Hi I would really appreciate your help I rent out a single bed flat and used a letting agency back in December. They found a tenant who paid 5 months in advance on an assured residential contract. I agreed as I was 8 months pregnant with a lot in mind I did not do appropriate checks. After the 5 months the tenant was late with the rent for two months and on the third month he is just not contactable. I asked the agency to go and have a look as I am not local and found that the property was empty. The property was filthy, some furniture was missing, keys and entrance fobs were not returned. there was no evidence of anyone being in the flat for a while. fridge empty, wardrobes empty. I have the following issues: - I cannot relet the property as the tenant has not officially abandoned the property - I cannot claim rent arrears from the deposit as the tenant in not contactable The letting agent is no willing to refund me part of their fees I also asked to see what reference checks they did and it was a joke. As a profession the tenant gave an address is berlin without a postcode. An their income was -£1. No next of keen, o work address nothing. If I was ever told that I would not let them in. Arent they also liable or at least obliged to return me their fees from when he left? Any advise? I am struggling financially, I am not a typical landlord but rent the house as I have moved away from London. Also my mortgage is quite high, it is a 400k property. help please

It would be difficult to prove other than I do not live in London and eventhough I am the registered keeper I do not use the car

I have today received 2 orders for recoveries £185 each which include the court registration fee. The alleged offences took place in July 2009 but I have not previously received any notices. What do I do? I know that I was not the driver but I am the registered keeper of the car so what do I do? thanks for the help in advance!

I was wondering if someone can help me I have Hire purchase agreement with a balloon payment. I have made alla payments and now the balloon payment is due, I tried to re-finance but they said they have stopped offering these type of loans. I do not have to make the balloon payment so offered to return the car. The form they have sent me to sign states that they will sell the car and I will be liable to short falls. The initial amount was 43K I have paid 35k and the balloon is 19k. What if they sell undervalue which is very possible say for 10k will I be liable for the remaining 9k? That does not seem right to me. I would appreciate your views. thanks

Ell, Great news! Thank you so much for your help, as soon as am better I will definatelly donate to this site! Today: The other site approached me and said they are happy for me to continue paying my monthly payment without paying anything towards the arrears as long as they get the suspended order. As if they were doing me a favour. I told him that I want a respose as to why they are not honouring the agreement. He went on that I missed payment in February (the one I tried to pay 4 times but they were not asking my bank for the funds). Anyway I said lets see what the judge says. I have to say this time they were very prepared, he started talking ans not stoping saying lies and saying that we are almost in agreement for ther repossession. He said that the agreement was broken by me by not paying in time for feb thats why they went to court. I told the judge the history of trying to pay and could't and said that what he is saying is incorrect as the payment due in feb was 14th feb and the 1st court was on the 17th so how did they know i would not pay. Anyway the bottom line is the judge (what a nice lady ) told them that they did not act in lne with some protocol, she denyied their proposal for the suspended order and said i have done everything reasonable to make payments. She adjourned the matter for 24 months and hopes we will sort it out ourselves. She said they should not apply again unless i stop paying. I was scared today as they came very well prepared. You are great, a star! and this site is such a hekp to all of us in trouble being bulied by this sub prime m providers. I just hope I will be able to keep the payments and wont need your help again I can go to sleep now!

Ell, Great news! Thank you so much for your help, as soon as am better I will definatelly donate to this site! Today: The other site approached me and said they are happy for me to continue paying my monthly payment without paying anything towards the arrears as long as they get the suspended order. As if they were doing me a favour. I told him that I want a respose as to why they are not honouring the agreement. He went on that I missed payment in February (the one I tried to pay 4 times but they were not asking my bank for the funds). Anyway I said lets see what the judge says. I have to say this time they were very prepared, he started talking ans not stoping saying lies and saying that we are almost in agreement for ther repossession. He said that the agreement was broken by me by not paying in time for feb thats why they went to court. I told the judge the history of trying to pay and could't and said that what he is saying is incorrect as the payment due in feb was 14th feb and the 1st court was on the 17th so how did they know i would not pay. Anyway the bottom line is the judge (what a nice lady ) told them that they did not act in lne with some protocol, she denyied their proposal for the suspended order and said i have done everything reasonable to make payments. She adjourned the matter for 24 months and hopes we will sort it out ourselves. She said they should not apply again unless i stop paying. I was scared today as they came very well prepared. You are great, a star! and this site is such a hekp to all of us in trouble being bulied by this sub prime m providers. I just hope I will be able to keep the payments and wont need your help again I can go to sleep now!

Thank you so much for your help I am now putting together the documents I need to take with me. and have a few questions if you dont mind. I was thinking to take a bank statement which shows that the funds where there when they will say that the card was declined, shall I make copies? I do not want FT to have my statement on their files Do I need to re attach by budget sheet to the defence statement? To be honest I was being over optimistic for the 150 per month but cannot back down now as I will lose reliability. What do you think? Last time I was not able to pasd the deence statement to the judge beforehand and was getting nervous as I was told that if the other side does not see it first I cannot submit it. She was late arriving and was also on the case before me so just managed to give it to her before. Is that a risk? I do not want to upset the judge but how much do you think I can push for the agreement to be hounoured? I am afraid the suspended order will go to eviction as soon as i delay a payment for a few days. what do you think? thanks again!

Thank you so much for your help I am now putting together the documents I need to take with me. and have a few questions if you dont mind. I was thinking to take a bank statement which shows that the funds where there when they will say that the card was declined, shall I make copies? I do not want FT to have my statement on their files Do I need to re attach by budget sheet to the defence statement? To be honest I was being over optimistic for the 150 per month but cannot back down now as I will lose reliability. What do you think? Last time I was not able to pasd the deence statement to the judge beforehand and was getting nervous as I was told that if the other side does not see it first I cannot submit it. She was late arriving and was also on the case before me so just managed to give it to her before. Is that a risk? I do not want to upset the judge but how much do you think I can push for the agreement to be hounoured? I am afraid the suspended order will go to eviction as soon as i delay a payment for a few days. what do you think? thanks again!

I have copies of the bankers drafts Ive send for the payments, together with the letter to them asking why they where not asking for the payments and saying they were declined. I have a copy of the previous statement I will take an extra copy with me. I hope its going to be the same judge!

I have copies of the bankers drafts Ive send for the payments, together with the letter to them asking why they where not asking for the payments and saying they were declined. I have a copy of the previous statement I will take an extra copy with me. I hope its going to be the same judge!

Thank you so much! You are my star!

Thank you so much! You are my star!

Ell Will you please help me with my defence statement for Monday? thanks!

Ell Will you please help me with my defence statement for Monday? thanks!

Ell I have send a bankers draft for the March payment and they should receive in on Monday. The letter from the first hearing that came through stated that I should have evidence for the payments I have made and for them to say why the agreement was not honoured. Since them I have written again asking for a response in terms of the agreement and received a response from their solicitors thst they have sked the question to FT but of course no response since then. Can you help me with my defence for the court on the 23rd? I do not know if it possible to reinforce the agreement and not go for suspended repossession as I am sure that as soon as I miss a payment they will go for posession. Last time on my budget sheet I sain I can pay 150 per month but my monthly payment is already 3320 which is already a big amount for my in my current circumstances. what do you think? thanks