Hi All, can anyone give me some advice on my legal right regarding the below please? I have a standard tenancy agreement with 6 month break clause (1 month notice) a the condition that "the heating in the flat is not enjoyable for the Tenants as mutually agreed by the Landlord and Tennant" This clause was put into place as the flat don t have central heating neither double glazing (back in 80/2010) - following cold winters I have requested in several occasion to have the window replaced or for a secondary double glazing to be put in place but nevertheless the management agency attempts to insulate the flat with other cheaper solution no much did improve - secondary double glazing were not put into place as the landlord want to sell the flat this summer. Due to the very low rent I still have put up to live in the propriety and to pay more on heating to try to keep warm. This anyway did result in me been ill constantly and having to take time off work consequently. Following been diagnosticate with Cervical Artois and Chronic Sinusitis I have tried to give my notice as I did not want o jeopardise my health any further. Unfortunately the Management agency don t agree with us giving notice and they are stating that now is warm. I am challenging that in the break clause isn t specificity that the temperature has to be agree to be enjoyable or that I have to allow additional time for repairs as this "has already been mutually agreed" Can anyone give an opinion on our right? Many thanks

I just want to be sure of this fact for my defence. Does a credit agreement need to have the address(es) of the debtor(s). if this answer is yes, what is the effect iof it does not. I have been referred to regulation 2(1) to check this, but I don't know 2(1) of what? Any help will be appreciated.

Hi, My partner has been pursued by Mackenzie Hall for a credit card debt we know is not his for years. The first and surname is correct but the middle name incorrect. We have asked them a number of times to cease their harassment and requested a copy of the agreement and who the debt is owed to. Today an agreement arrived but it is NOT my partner's as we knew because we have never had a credit card. This agreement lists the other persons date of birth, no of dependants, address, previous address and bank account details!!!! It also has a letter attached to it that the debtor has written to the credit card company also including personal details about their financial status, employment and savings. This cannot be legal or ethical! We are furious and want to take some advice form you guys so that we handle this in the best way possible because these people need to be stopped!!! Who do we complain to first, and would it be an idea to contact this person's bank (not the same bank they held their credit card with) and let them know personal accounting details are being passed to strangers? We really want these people stopped so want to calm down and then take the appropriate action against them. Cheers,