Hi Everyone, I moved into my previous flat in May 2003 and I paid 4 weeks rent in advance and £500 deposit, both by cheque. The rent was increased once in 2012. I have never missed a payment during my tenancy there. I duly gave 4 weeks’ notice on 10/12/12 and moved out on 05/01/13. I didn’t pay any rent after giving the notice. Now the landlord is saying that their ledger is showing that I am in arrears and if I can’t prove otherwise I owe them 4 weeks rent. I don’t have the old bank statements or the cheque book anymore nor do I have an account with that bank. Can anyone please advise me how best to deal with this? Also throughout November/December due to a leak in the water pipe and boiler problem, for some time I had no hot water or running water at all and I had to go to a B n B and pay from my own pocket. Thank you all.

Hi, I have a general query concerning a PPI claim that I have submitted and I'm looking for some advice. I had a claim with MBNA from a loan 10 years ago that went staright through in about 4 weeks. I received the cheque and that was it. I did have the original paperwork, though. Thought it was easy. Then I had my claim from LLoyds TSB denied. This was from PPI added to a credit card. I had not "demonstrated that there was a problem with the sale of the policy." I was a bit confused. The credit card ended within the past six years - 2007 - and the PPI was actually cancelled by myself in mid 2007 when I noticed it on the monthly statements. I even had a letter from them warning me that I would be at risk if I continued with the cancellation as I would not be able to avail myself of the benefits of the policy etc etc. I do not recall ever agreeing to the policy, I was self-employed and probably could not have claimed on the policy, and can not find any paperwork in relation to the policy. This was the basis of my complaint. I had asked LLoyds to provide me with the terms and conditions of the policy and a copy of my agreement - whether by telephone transcript or application form. I would assume that they should have all this because the policy was cancelled within the past six years. They have provided me with nothing. They seem to have placed the onus on me to proof it was miss-sold. My question, at last: Is the onus on LLoyds to show that the policy was suitable for me and not miss-sold, or is the onus on me to show that it was miss-sold. Surely if it's been in place within the past six years they should be highlighting where in the terms and conditions it shows I could claim, a copy of any agreement etc. I have written back to state that unless they reconsider I will send a SAR and request all the documentation that way. And that if they do not provide it I will progress to the FOS and inform them of their failures to do so. Would I have case with the FOS if I had to go down that rouete? Any pointers very much appreciated.