bowcreek
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Everything posted by bowcreek
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So in case if he doesn't respond to the court letters etc. later on, what happens? Just his credit file reflects that ? What are the legal actions/penalties?
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My response as below. Please feel free to add anything which you think is worth adding. (BTW the solicitor word etc. was added by me in my last e-mail to him just to put little pressure on him). -------------------------------------------------------------------------------------------------------------- Hi xxxx, Its not about the deposit itself anymore but it's about you fooling me for a year and keeping my money unethically while giving me false assurances every time I asked to return the deposit. 5th Feb is not acceptable to me as I have waited long enough already. Just to let you know it is a small claim and if I sue you and get judgement, along with legal action this will affect your credit file for 6 years (on the assumption you don't pay up immediately) and the cost of taking you to court will be added to the bill in addition to other expenses incurred by me and interest on the deposit. Let me know what your thoughts are before end of day tomorrow. Regards, xxxxxxxx --------------------------------------------------------------------------------------------------------------
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Hello Guys - I got landlord's reply on e-mail today. His response is as below which looks same as his other responses for last 1 year. Should I respond and let him know he doesn't need to worry about what I will have to spend and its not a matter of getting the small deposit of GBP 125 back but its about him fooling me around while keeping my money unethically for a year and wait till 5th Feb? Or should I not respond at all and wait if he deposits the money? Or just carry on with LBA ? i will send your money on around 5th february. if you want to go to solicitors and court its up to you. you will pay lot more than the deposit. anyway. my work is sometimes is good sometimes is bad and i have not been well for 3 months to work properly your money will be in your account in this date
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thanks a lot . In that case I will just await response from our fellow members on forum if they would like to say/highlight something. Cheers
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Hello Guys ! Please could you have a look and advise when you have some time... Regards
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---------------[ATTACH=CONFIG]48569[/ATTACH]Lodger Agreement Attached. -------------- Lived there from May till dec end, have 4 contract copies (look same with different dates).
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Great ! thanks guys for your help. I sent him an e-mail (which I would call last mail from me) requesting to return money last friday the 3rd Jan 2014 stating that this is my last personal request to return the money without forcing me to take a legal action and gave him the deadline as Friday the 10th Jan. As expected, he hasn't responded to my e-mail at all, which indicates he doesn't wish to return the money. As advised by you, I now want to proceed with LBA via an e-mail and a recorded delivery letter to him giving him a formal notice of 14 days. Would you like to review the lodger agreement and other docs etc. which I have? Would someone be able to suggest how that letter should look like. I have no experience in dealing with court/legal issues and hence the lack of confidence. I wouldn't hesitate in appreciating the help and advice fellow members/experts on this forum have given me during another instance few months before when I asked for some help on another matter ! many thanks in advance .
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Can this LBA be sent over an e-mail to him ?
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Thanks both - Someone suggested to send him a "Letter Before Action" giving him a "reasonable" amount of time to return the money, or let him know I will take him to court. suggested duration is 14 days, then anytime after the 14th day, lodge a court claim for the money. Till date I have been communicating with him over e-mails and if anyone reads those, it can easily be figured out that he owe me the money and been delaying it with lame excuses. Also as I mentioned he wrote 2 cheques to me, one of which he asked me to hold, so I still have that one. I would imagine cheque and e-mails alongwith other agreements etc. will hold some credibility ? Cheers.
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Hello fellow members - I am looking for your help and advice here on the below matter. I along with my wife stayed as lodgers in a property with live-in landlord from May 2012 to Dec 2012. I paid GBP250 as deposit in cash to him and paid the rent monthly via bank transfer. He wrote me a receipt of deposit on a simple A4 paper with his signature on it. When we left the property in end of Dec 2012, landlord said he will return the deposit in full by 7th January to which we agreed due to the trust I had on him. But I didn't see any money coming through to me, When I contacted him via e-mails he mentioned about some personal problems and promised to pay in sometime. After repeated reminders via e-mail when I knocked on his door one day in April, he gave me 1 current date and 1 post dates cheque of GBP125 each. The one with current date went all okay and got GBP125. But when the date of other one was about to come, he asked me to stop as he had some financial issues and asked to me if I can wait a bit and I agreed. After that I have been requesting him via e-mails to pay back the rest and he is just giving me a new date every time since May. He comes up with excuses like he is not in town and busy or missed to go to bank, or his bank card got lost / blocked and what not. we have exchanged around 40 e-mails since then and I think I have been considerate enough with his problems for past so many months. One thing to notice here is he never mentioned about any damage etc. and always said he will return. But I have waited enough now. I can't wait anymore for my money to be paid back to me and hence looking for some help. We have agreement renewing every 2 or 3 months and I have all the Lodger agreements, his hand written paper mentioning confirming that we left in december and also the hand written receipt of deposit given to him GBP250. Many thanks
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Just registered on Experian - They will send me a PIN by Post which I would need to use to see detailed report.
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I can recall TW mentioning name of Experian - When I asked them how they got my data on their records.. Would it be worth checking on experian reports? They offer 30 day trial period credit search option with no charge if you cancel your account within 30 days.. Okay to give them my current address?
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Okay - tried registering on noodle - But it said - Sorry, we haven’t been able to verify and validate your identity and can’t provide your credit report.
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I have never had a credit card .. Can it still affect my credit histroy/report?
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Thanks Brig - How do I do that ? Is their a fee involved?
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Brig (for the letter), Dotty50, donkey B and all others whose names I have missed to mention here...THANK YOU SO MUCH !!! It reminds me of the day when I first posted here in this forum, frustrated and hopeless..! And then you all came one step forward everytime I needed your help and understood the details closely before suggesting next step. You all are really doing great job and are stars ! Once again thank a ton !!
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Okay guys - here is the good news...got this e-mail from TW this morning..at 09:00 AM .. Reference Number: xxxxxx Property Address: xxxxxxx Dear Mr xxxxxx We are writing in response to your e-mail of 29 April 2013 informing us that you are not responsible for the water service charges for the above property. We are sorry for the inconvenience caused to you due to this. We can confirm that we have closed the account in your name with effect from the same date it was set up for the above property. There is no outstanding balance due and we request you to please ignore the correspondence you have received. If you need any further help, please do not hesitate to get in touch. You can visit our website, www.thameswater.co.uk/contactus or you can call us on 0845 9200 888 between 8am to 8pm Monday to Friday and 8am to 1pm on Saturday. Yours sincerely xxxxxxxx Customer Agent
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Just sent the e-mail to customerservices@thameswater.co.uk and received auto reply confirming receipt of my mail. It states that they will be responding within 5 business days.
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Will surely do !
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Thanks Brig - and Sorry for responding so late . I was travelling with very limited access to mails. I will e-mail TW on the address they gave to me during my telephonic conversation, soon alongwith scan copy of my first 2 months contract. Should I also paste a line from Prove it letter as given below? "I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question."
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hey Brig - Did you get a chance to put down the letter? thanks
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Yes Brig - Please could you do the favor?
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Agree ! Got your point.
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Lived there from May till dec end, have 4 contract copies (look same with different dates). By saying "see more" - did you mean that they would want to see contract copies covering the whole period?
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done !
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