This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I remember when this scheme first came out there seemed to be wins coming in at a good rate, even when the LL had protected the deposit after finding that they were being prosecuted for not doing so. Judges were saying that protecting after the fact was no defence. Seems some LL have now taken on legals to help and they have found the wording of the act actually helps them out. No point in this act at all then, as soon as you pay £150 to start procedings, LL knows he/she is being procecuted, protects your deposit, you lose £150. MrShed, I am sorry I did not understand your previous answer. The wording confused me. I understand now

So are you saying that it doesn't matter if it was finally protected, it was out of timescale (ie, tenant having to have notification of which deposit scheme it is in within 14 days of occupancy) and therefore is a straightforward offence? SP, have you yet received the notification of which scheme it is in? You say it is now covered, but you haven't received anything yourself. And I think you have to have the energy efficiency certificate as well.

The CC companies I received the charges back are not listed here, so I hope that I have done right by posting here, if not, then give me a clue as to where to post. I have today received the statement from Morgan Stanley, and Halifax card services, because of my insistence that they refund my charges, both of them have informed me that my interest rate has been increased, from 15.5% to 21%, and 16.9% to 24%!!! respectively. They have not said that this is the reason, but the bank of England rate has not increased, so this is the only conclusion I can come to.

last month i had to go out of the country for for awhile, i was in such a rush that i forgot to schedule my credit card payments. On returning I had amounted over £100 in charges!!. Thanks to this site, i phoned up all of the credit card companies today, and after reading them the info i gained here, everyone of them credited the charges back to my account, stating that it was "a goodwill gesture", funny that, I remember asking before, when i had forgot to pay by the due date, but was given short shrift. Thanks for all the help, and I have today fired off 4 requests for info under the Data protection act. I will keep you informed of my progress.