Abusive Landlord Taking Money From Credit Card without permission

adg1

Milliewilly wrote: »

I have a short fuse for people getting themselves into Debt and then whingeing about it. People nowadays expect to be cut some slack when they get themselves into a mess.

I fully agree with you. We are only in the state we are in economically because people thought they could borrow more and more and never have to pay it back. I'm a stickler for living within my means as I have responsibility. I have, though, developed that over a long period of time.

The difference is that OP knows she owes the money and is trying to get it sorted.

Jowo_2

keith969 wrote: »

Really? In other posts you claim to be a mature student (you were asking advice on claiming jobseekers allowance despite being on a grant, hmm).

And strangely you were sharing in London, not Scotland, in March this year, and wanted to get out of paying your contractual obligations (http://forums.moneysavingexpert.com/showthread.html?p=19911475&highlight=#post19911475).

Not only can they not remember their age and how long they've studied, tried to claim JSA as a full-time student and tried to wriggle out of their tenant obligations before, they also have a history of not managing their budget and not prioritising their spending.

A year earlier he/she was planning to travel around Europe across the summer and debating the merits of opening an ISA with their savings.

http://forums.moneysavingexpert.com/showthread.html?p=13637851&highlight=#post13637851

They also considered applying for a hardship grant the moment term started last year, too.

http://forums.moneysavingexpert.com/showthread.html?p=13637851&highlight=#post13637851

And they've also sought advice how to claim back overdraft/late payment charges run up with financial organisation and store cards.

The OP is wasting our time with tales of non-existent woe and self-inflicted cash flow problems. Get a job.

samsong_1234

this thread is about the landlord harrassing me and what action i could take


not about the economic situation of students, reasons for being in debt, previous posts made under the account etc

Milliewilly

Busted!

Draw the money out of the ISA to pay the Landlord and forefit the interest. Harrasment stops. SIMPLES

Beans on Toast anyone ?! :rotfl:

Jowo_2

The action you should take is to pay your landlord and follow the advice given by previous posters in dealing with your frustrated landlord.

Get a job, live within your budget, prioritise paying your rent rather than going on holiday, appreciate that the only way out of poverty is through employment rather than benefits, loans and grants.

Check your birth certificate for your age.

property.advert

Troll !!!!

gorgeouslatinrose

To be fair, we have no idea on what the financial situation is, and if it like many students in the UK this year, the student loans company have not been paying any money as promised to those who need it then this could be why. Many of us use or have used student loans to pay our rent, . The OP should have contacted the Landlord and explained, and made efforts to pay with other methods - having said that the landlord does not seem like someone who would have been understanding or helpfull in the first place! To the OP though, get an overdraft from your Student bank account at least to cover untill a hardship fund could become avaliable.

Fire_Fox

samsong_1234 wrote: »

this thread is about the landlord harrassing me and what action i could take

How rude. :rolleyes: The action you can take is to (a) pay your rent on time as per the legally binding contract you signed or (b) communicate formally with your landlord (in writing by recorded delivery) so that he doesn't feel the need to verbally abuse you. You shouldn't be needing hardship funds this early in the academic year, and you have no guarantee that you will be granted any money. Do you have a 0% student overdraft you could dip into?

I am not condoning your landlord's unprofessional actions, but you should appreciate he may not be able to pay his mortgage without your rent, he could end up repossessed and certainly with a tarnished credit rating for up to twelve years. The fact that money has been taken off a credit card AND you still owe £600 for just one room rather suggests the current situation is not a 'first offence' on your part.

prudryden

Taking funds from anyone, whether cash, credit card, debit card, or any item of value without express permission would border on the edge of theft.

Nitha

You need to fess up to your parents get this sorted and when your contract is up for renewal move into an agency managed property. I appreciate it's hard managing on student loans but you need to pay rent.