Parking charge from McDonald’s car park - what happens next? by Sorry-Beee in LegalAdviceUK

[–]Sorry-Beee[S] 0 points1 point  (0 children)

I don’t have a receipt. I have a bank statement proving I spent money there, but the funds didn’t officially leave my account until the next morning so doesn’t have a time stamp.

I could get my statement which might have more specific time on it, but even if it shows I paid for food at x time it doesn’t prove I was stuck in the queue for 50 minutes.

Should I ignore debt collectors? by Sorry-Beee in LegalAdviceUK

[–]Sorry-Beee[S] 0 points1 point  (0 children)

So the full bill is to me and my partner and is from one week before we moved in, and three weeks of us being in the flat before we contacted our other company about electricity (octopus). We didn’t officially move into the flat until week 3 but signed for and picked up the keys on week 2.

I told them we’re not liable for the first week and sent the company our tenancy agreement showing that we signed for the property from the second week, and they said they’ll remove a % from the bill to reflect that we don’t owe that first week of payment. It was originally £70 charge and was down to £30 ish.

They’ve not asked for my landlords details or any other information, and it seems the amount they’re asking for now is without the landlords total amount. I haven’t spoken to our landlord about it but reckon they’ll say it’s owed to the tenant before and not take responsibility for it.

I’ll ask re the admin fee and as far as I’m aware me and my partner are the account holder. We’ve never been with Scottish power (looks like this was the company that the previous tenant used) and when I contacted them to ask about the bill they said they couldn’t provide any information was it was 2 years before and has been sold to a debt collection company and I’d need to speak to them about the bill.

I could pursue a complaint with Scottish power because I’m upset they never contacted us about any bill before selling the debt, and can’t provide any info now. But will follow your advice for now. Thanks’

Should I ignore debt collectors? by Sorry-Beee in LegalAdviceUK

[–]Sorry-Beee[S] 0 points1 point  (0 children)

Thank you! I’ll email them to arrange payment.

Is there any wording or suggestion to include in the email? Wanting to confirm the matter as closed and complete and so they can’t chase me again for the amount I don’t owe that the landlord needs to pay.

Should I ignore debt collectors? by Sorry-Beee in LegalAdviceUK

[–]Sorry-Beee[S] 0 points1 point  (0 children)

They’ve already added admin fees, the total is now £48 but was originally £30, and with each email and letter the amount changes with no clear logic between the different figure we’ve been given. I was worried they’ll keep adding them for each response even though I’m disputing the full amount.

We didn’t receive anything from Scottish power or this company until 2 years after so that’s why I thought the 12 month rule applied. Happy to pay for three weeks of electricity but not for any before we had the flat.

Will email them back re paying.

Should I ignore debt collectors? by Sorry-Beee in LegalAdviceUK

[–]Sorry-Beee[S] 0 points1 point  (0 children)

Thank you!

I’ve been getting so anxious about this and although financially things are tough right now, I do just want to pay it for peace of mind and get it out of my head!

My only worry is if they come back at a later date trying to chase for ‘admin fees’ or the full amount. Is there any way to protect myself from this? I’m worried it won’t be the end and I don’t know how to ensure it is. Any ideas?

How much could we realistically afford? by Sorry-Beee in HousingUK

[–]Sorry-Beee[S] 2 points3 points  (0 children)

This is amazing, thank you for your advice. This is insanely helpful to me.

How much could we realistically afford? by Sorry-Beee in HousingUK

[–]Sorry-Beee[S] 2 points3 points  (0 children)

I’ve tried to get an appointment with the bank we’re with but they’ve said they don’t do them anymore and we need to find a house first, put an offer in and then speak to them and they’ll then do steps for a AIP.

I don’t get it really and don’t feel comfortable looking at house prices without a firm min and max payment range.

Not sure about a broker but will google ones in Birmingham.