OK I think I will do that, thanks for the help. I can scan and upload the front page if anyone wants to have a look at it themselves

I called Shelter yesterday and they said £32 was an unacceptable fee. The bit below is in my let agreement but I thought it was to do with the amount of rent charged, I now believe it's ment to mean that I will get charge interest on anything that is owed.

bump

I found this over at OFT if anyone is interested http://www.oft.gov.uk/shared_oft/reports/unfair_contract_terms/oft356.pdf It's been a good bit of help to me. --------------------------------- OK I may have been reading this missive wrong: If your a letting agent surely you would have a clear readable and understandable bit about late fees that read something like: Now this makes it clear that a late fee is going to be charged. Now there is a small line in brackets on my missive that reads: is this refeering to late fees? After reading the OFT guide above I believe it should read:

OK so on Friday we recieved a letter from a sheriff officers , here its what it says: So as far as we know we are only in £32 rent arrears, which was them that put us in arrears. So why are they trying to get £64 from us plus it isn't even 2 weeks since our last rent payment which is when they took this payment from our rent. Going to call Shelter

Well we are giving them till Friday to send out all the relevent documents that we've asked for (with late fee details highlighted), so they have two days left. After Friday I will take the appropriate action.

I'm already aware that Scottish law is different, thanks for the website. I've had a look at it but it's not got everything I'm looking for.

BUMP! There appears to be a lack of people that can help with housing matters in these forums.

OK so it appears going to the CAB was a waste of time, the person thats supposed to be dealing with doesn't seem to be intersted. Now over the last few months we have been paying our rent by cheque via the post, not once have we recieved a letter/receipt for those rent payments. We do have a rent book but whats the point in sending them a cheque and them paying bus fairs to travel to them and get it filled in? So my parner called them today and asked them to send receipts for the rent over the last few months, they said that they can't send any receipts and we would have to travel in to get the rent book filed. Also she asked them for a duplicate copy of ALL the document that was signed when our lease was renewed with the part about late fees highlighted.

The last time I spoke to Regal Credit I requested that they stop calling the house number they have for me, so what do you think they done? Now they are calling my house phone first and if they don't get me there then they call my mobile.

So I jumped over to Equifax to check my credit file and I'm suprised to find that there appear to be no entrys from Kleeneze or any of the DCA that have been contacting me! Infact the only default I have is from Studio and thats from December 2008. Where do I find my over -all credit score?

@ Bazooka Boo: Yeah they are all asking me for the same amount, not sure what OC is short for sorry. Does it make any difference if there is 1 or 4 seperate entries in my credit file?

OK, I got another phone call the other day from Regal Credit Consultants, I explained to the person about all this crap I've been getting. Now they've asked me to send proof of the letters I claim to have recieved and then he tried to pull a fast one and told me that I'd already been told by his supervisor that it was Regal Credit that was dealing with it and I was also asked to call Kleeneze. Now I've already called Kleeneze and they told me it was out of their hands and it was now with the DCA, they never gave me a straight answer as to which DCA was currently collecting the debt. Now I've also already asked Regal Credit I want proof that it's been passed on to them but I constantly get told that no DCA has to send proof or send letters advicing that the debt has been passed on to another DCA. Now what do I do here? Do I send them a copy of all letters I've recieved this year or do I carry on send the relevent letters to Gothia? and just for the record I've now started recording the calls from this company.

Admin fee's are legal and Agents do charge them, how much are they charging you?

I will be sending them all relevent letters today, my first port of call is to get a copy of my agreement.

I went and spoke to Citizens Advice so it's now in their hands and yep sure enough their is nothing on the missive about late fee's so fingers crossed. I'll keep this thread up-to-date till this issue is resovled.

The debt exists but the problem is there is more than 1 DCA contacting me, re-read my first post. If anything isn't at all clear please ask. I'd like to add a few thing I forgot in my first post. 1. The account in question was a joint account, both myself and my partner signed the agreement. Yet it's only me they are contacting. 2. We (myself and my parter) live in Scotland. 3. We are both unemployed at the moment, which makes it hard to repay anything to any of the DCA's that are contacting us.

July 2007 Myself and my partner joined Kleenze, coming up o around june 2008 we packed it in as we were making no money. Now we tried to send goods back to them that was ordered but I think we were just outside the returns peroid, after charges were added the total debt grew to £208.81 This debt was passed to the Debt Collection Agencys, now I know this has went on for a but and it's my own fault but now it seems to have gotten out of hand because I have no idea who owns this debt, let me explain. Now i think I've kept all letters from this year. 24/03/2009 - recieved a letter from Gothia informing me ignoring them is not in my best itnerest yet I spoke with them on the phone on many occasions. 06/03/2009 - I recieve a letter from Regal Credit Consultants LTD informing me that they have been instructed by theor client to demand the immediate settlement of the debt. 08/04/2009 - Recieved a letter from Gothia With a big bold bit saying "NOTICE OF INTENDED COURT ACTION" yet letter only says that if the account isn't settled by 5:00pm on 18/04/09 the following action may be taken: BANKRUPTCY PROCEEDINGS. COUNTY COURT JUDGEMENT. ATTACHMENT OF EARNINGS DOORSTEP RECOVERIES. 23/04/09 - Recieved a letter from Resolution Legal Servies telling me that I have not resolved this matter and the sum of £208.81 is long over due". 29/04/09 - Recieved a letter from Regal Credit Consultants LTD saying "Final notice, account must be settled immediately". 04/06/09 - Recieved a letter from Regal Credit Consultants LTD saying "Legal Notice, your account has been passed to us in view of the above amount remains overdue" and goes on about what leagal thing they can do. 06/06/09 - Recieve a letter from Corporate Financial Services LTD saying "We would like to inform you that wehave been appointed as an authorised collection agent for Gothia LTD and we have been instructed to recover the outstanding monies due to our client." Now you can see why I'm confused! I recieved a communication from Kleeneze telling me it was getting passed on to the DCA, I have recieved nothing from any of the agencys telling me it's been passed on to any other companys. I called Regal Consultant and they say the debt has been passed to them, I called Corporate Financial ansd they say that Gothia passed it on to them. I have also contacted Kleeneze and they said it was out of their hands. Now I've asked Regal Credit for this in writing and they keep telling me to call Kleeneze and Gothia. I'm at a loss as to what to do next, Regal Credit called today (15 June) and I told them that untill I recieve some form of communication in writing from Gothia I wont be dealing with them, I was told that they had contacted Gothia on the 03/06/2009 and confirmed that the account was passed on, yet I called them on the 6th and was told different. At the end of the call the guy I was talking to them told me that he will just get a Door-to-door collector to pay me a visit and hung up. I'd like some advice as to what I can do about this as it's clear Regal Credit dont seem to care that there are other DCA's trying to get this money of me as well as them. Thanks in advance.

Bump! Anyone?

Ok so my partner called the letting agency today to ask them a few questions and I would like your opinion, here is what transpired..... Once again I appreciate the help and advice people are giving me.

The top of the "AT 6" document reads - So what is the best course of action on not paying this fee? I don't think telling them to go stick it is the best action some legal means perhaps

Sorry for the late reply, there is nothing in the Tenancy Agreement about being charge for late payments. In fact there is nothing at all about late payments fullstop. Can someone please explain in clear english what an AT6 is and what should happen when on is signed by the tenants?

BUMP! Anyone?

Hi My partner and I stay in a private let with our 2 year old daughter and we would like some advice on several things if possible. We have a short assured tenancy. 1. Over the last few months our rent has been late on several occasions, we have suffered two late payment fees both £32. Now on the first occasion our rent was 10 days late hence we were charged what we were told was a fixed fee of £32 which you get charged if the rent is 10 or more days late, on the second occasion we were only 3 days late and again we were charged £32 but this time the fee is apparantly 10% of the rent! (rent being £320 a month) There is nothing on the missive about late fees. Can someone advise us on what is the proper conduct for charging late fees on rent? 2. We have renewed the lease twice, both those times we have been charged a fee of £12. Now another letting agency has told us that they can't charge us a fee for renewing our lease, can someone shead some light on this matter? 3. On our missive the W. M Cumming, Turner & Watt is referred to as Landlord' Agents' and George Wilson Property Company LTD as Landord', now after a check both companys appear to be listed at the same address! Is this legal as it would seem W. M Cumming, Turner & Watt is possing as this other company. Thank you all very much, we appreciate all the help that you can give