Credit Rating: How it works and How to improve it discussion area

marcellep

never-in-doubt wrote: »

Then update my thread mate - lol.... wondered why you never got back to me!

Well done matey - excellent news - told you i'd get em for you :rotfl::rotfl:

By the way, re your question - do not order the credit file as it will flag to debt chasers (there is an entry on the CRA called trace searches) these will link to the dca that placed the search and they last 2 years.

If he knows its 4/5 years then wait - dont push it Bear in mind if he's in scotland like you mate, its 5 years to be statute barred.

Thread updated, Sorry I would have been about before now just busy @ work

That's the problem he does not know and can't remember how long ago the debt was, he has been back in Edinburgh for 6 years and never been chased for it here

never-in-doubt

marcellep wrote: »

Sorry to sound thick!

My friends has never applied for nor had any credit at his current address which he has been for at for 5 years. So no link is current if that makes sense.

But when he applies for the CRA report they will place a "Linked address?"

A linked address will only link if he took an old account with him from the old address to the new address and done a change of address otherwsie, no - there will be no link.

Is he in scotland? If so and he last paid 5+ years ago send this:
14. Statute Barred Debt (England & Scotland)

never-in-doubt

marcellep wrote: »

he has been back in Edinburgh for 6 years and never been chased for it here

Right so it does not matter then mate - send this and case closed:
14. Statute Barred Debt (England & Scotland)

Easy street :rotfl::rotfl:

marcellep

never-in-doubt wrote: »

Right so it does not matter then mate - send this and case closed:
14. Statute Barred Debt (England & Scotland)

Easy street :rotfl::rotfl:

Thanks so much for that

I will tell him to apply for copies of the CR and see what happens

gothmaz

never-in-doubt wrote: »

you are allowed to retain the last month/two rent to recoup your deposit if you feel the landlord will not return it.

Is this definitely legal? This is what I would like to do but I don't want to do it unless it is definitely legal to do so. I know she hasn't protected my deposit but still....two wrongs don't make a right!

never-in-doubt

gothmaz wrote: »

Is this definitely legal? This is what I would like to do but I don't want to do it unless it is definitely legal to do so. I know she hasn't protected my deposit but still....two wrongs don't make a right!

If you suspect the landlord will not return your deposit then you should retain the rent due to cover it (take photos of rooms to prove there was no damage) then meet landlord when you move out and agree in writing that they are happy then return the difference or just walk away - nothing they can do especially as she was an illegal landlady anyway! :rotfl::rotfl:

harryhound

gothmaz wrote: »

It's a complicated situation now with the landlord. She has eventually got a new boiler put in, but left us without heating for 5 weeks. She then gave me 2 days notice to vacate the premises for 4 days with my other half and 2 children. There are so many things that need doing in the place, including dodgy wiring that we think it's better to just move. It's one of those places that looks lovely but is a nightmare underneath it all.

Thanks for the suggestion though, I think I will approach the bank first.
I will ask my parents if I can go on the electoral roll there as it seems a lot of hassle to change all my correspondence to my address for 2 months, only to change it all again.

I'm not sure I can believe what I'm reading?
How have you ended up with the landlady from hell?

Your local council will tell you to sit tight (stop paying the rent) until you are legally evicted.

There are threads on here which will tell you your rights and explain what happens in real life. Help yourself to 3 months rent free accommodation.
You need to check your rights over not being given a certificate to show your deposit is protected - that is worth considerable money to you.

I write as a former agent of a landlord.
Landlords expect to be ordered about by their lovely tenants and dread the Christmas eve phone call to say the boiler is on the blink.

Has the landlady's mortgage company been writing to you at Fawlty Towers?
If so open it and read it.
If not invest a pound or ten at the land registry to find out who is the mortgage company (and if there is a second charge).

This is not 1966 "Cathy come Home" land any more:
http://england.shelter.org.uk/about_us

Democracy has given you all sorts of rights - some of which are exploited by nasty tenants - but you are letting down other tenants (and maybe killing them) if you let land lady from hell walk all over you.


Now tell me this is not a tenancy but simply a rent a room arrangement in a shared house?

gothmaz

harryhound wrote: »

I'm not sure I can believe what I'm reading?
How have you ended up with the landlady from hell?

Your local council will tell you to sit tight (stop paying the rent) until you are legally evicted.

There are threads on here which will tell you your rights and explain what happens in real life. Help yourself to 3 months rent free accommodation.
You need to check your rights over not being given a certificate to show your deposit is protected - that is worth considerable money to you.

I write as a former agent of a landlord.
Landlords expect to be ordered about by their lovely tenants and dread the Christmas eve phone call to say the boiler is on the blink.

Has the landlady's mortgage company been writing to you at Fawlty Towers?
If so open it and read it.
If not invest a pound or ten at the land registry to find out who is the mortgage company (and if there is a second charge).

This is not 1966 "Cathy come Home" land any more:
http://england.shelter.org.uk/about_us

Democracy has given you all sorts of rights - some of which are exploited by nasty tenants - but you are letting down other tenants (and maybe killing them) if you let land lady from hell walk all over you.


Now tell me this is not a tenancy but simply a rent a room arrangement in a shared house?

To be honest, I just want my money back and to get the hell out. I took the house through an agency. However, the landlord chose to manage the property herself. I have called the agency a number of times the past month when my patience ran out. He has tried to call her and she refused to answer his calls. When I did eventually speak to her she swore about him and said he was useless.

ALL of her post comes to the house, mobile phone, store cards, credit cards, bank statements. The lot. When my partner and I got back together I asked her if it was ok for him to stay and she said 'yes oh and by the way if anyone asks you're a friend of the family.'

I have investigated my rights with regards to the deposit and I know I can take her to court over it. I told her as much this weekend and she said I was being threatening. I told her that all I wanted to do was live in a nice house and pay my rent every month, as I already do.
She has told me she'll give me back my deposit in full before I move out, but I just don't want to rely on it.

I did look at the land registry site after some advice I was given elsewhere on here, but I've yet to pay the £4 to order the file as I also read that just because MY address is on there doesn't mean that she hasn't told them. Is that correct?

Apologies for being completely off topic. But this was generated by me wanting to borrow money to cover a new deposit as a back up!

gothmaz

harryhound wrote: »

Now tell me this is not a tenancy but simply a rent a room arrangement in a shared house?

This is indeed a fully legal tenancy. I have the signed tenancy agreement at home.

never-in-doubt

gothmaz wrote: »

This is indeed a fully legal tenancy. I have the signed tenancy agreement at home.

Having a tenancy agreement and having a LEGAL one are two totally different things lol. You'd be better to move (as planned) but stay long enough to retain rent to cover the deposit.... Of course the landlord will say they will give you it back, when you've moved out it's a little hard to force them to - thus you're better to retain rent until it repays the deposit amount.

Then get the hell out of there :p