Hello everyone I hope someone can give me some advice on how to resolve a dispute we are having with our landlord and estate agent. Mid-July my girlfriend and I signed an Assured Shorthold Tenancy Agreement to rent a one bedroom flat with sole use of an external store room/study (outside flat but still in building) and sole use of a terrace. Since then everything has started to go wrong. The landlord came in the day after we signed the tenancy and removed the keys for the store room/study, post box and terrace. We returned to the property a few days later and found these keys missing so asked the estate agent to enquire as to where they had got to. The estate agent acquired the terrace keys and brought them round to the flat about a week later. About a week after this the estate agent came round again to remove some furniture that had been left in the flat, even though we let it unfurnished, so we asked about the remaining keys. They became very shirty and said that they were not even managing the property and they were doing us a favour in removing the furniture. Once we managed to calm them down they said that the landlord had posted the post box key to us! This was obviously a problem and we asked about the store room key, to which they did not give us an answer. This is a problem because the landlord has stated that she does not want to let us use the store room, even though it was advertised for our sole use and the estate agent has confirmed this in writing. Eventually the landlord conceded that we can share it with her but this is not what we agreed and now she is storing her belongings in there and will only let us have a key if we agree to her terms and go and get a copy cut (at our expense) from another estate agent she is trying to sell the property with. We rented the property under the assumption that we would have sole use of the store room as there is inadequate storage space within the flat. Additionally neither the estate agent nor the landlord is accepting responsibility for managing the property and we have contacted them stating that we no longer wish to live there and have tried to negotiate terminating the contract. They have flat out refused to negotiate and now want to take us to court. So: Do we have grounds to terminate contract due to misrepresentation and insufficient keys being provided? Are we obliged to get our own keys cut at our expense? Can the estate agent take us to court when the rent is paid directly to the landlord's bank account? Any help/advice would be greatly appreciated whether it is in our favour or not. Thanks in advance

Sent a debt collection agency the letter with regard to "a formal request pursuant to s.77/78 of the Consumer Credit Act 1974 etc". They have written back asking for my last three addresses to confirm who I am. Any suggestions what to do next. Thanks.

Hi all, Although this is my first post I have spent the last 3 month reading advise givien to other members on this forum. On 20/02/09 I sent CCA requests to 12 creditors (11 creditcards & 1 unsecured loan). So far I have recieved 1 signed agreement form Liverpool Victoria. The responses from the others so far are listed below. Abbey: None Halifax: Returned request as Postal order didn't have a Payee Name on it. Barclaycard: Sent me a photocopied leaflet of Barclacards Conditions. Mint: None RBS: None Tesco: None HSBC: None Egg: Refused to issue as my letter was not signed. MBNA: None Capital One: Sent me a leaflet of Terms & Conditions. Post Office: None I am under the impression that as 12+2 days has now passed I can dispute the debt. I have a standard letter to send those who have not responded or have sent T&C's. However can anybody give me advice on how to deal those creditors who have refused to process my CCA request (Egg & Halifax)? thanks. Me against them!