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debt monkey

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Everything posted by debt monkey

  1. Hello My girlfriend and I moved into a private rented flat on 14 January 2012, being managed through local estate agent. When we viewed the property 3 weeks before, the carpets had just been cleaned and a cleaner gave the place a quick once over just before we moved in. There was however a heater plugged in and a dehumidifier running, when we got the keys. Within 2 weeks the external walls were damp at the top, and within 3 weeks mould had started to appear. We have been running the dehumidifier and the flat is suitably heated (sat here in just a tshirt) and airing the property whenever possible, but the problem is getting worse. I have no experience with damp, could we of caused it so quickly? Is it more likely to be that after the carpets were cleaned and the property was left cold for 3 weeks that the damp set in? I have phoned and advised the agent who suggested I clean it with a mould killer spray. This has been done, and photos were taken before and after. I suspect that the property has always had a damp problem due to the look of the walls and that the landlord/agent knew but did not let us know. Where do I stand? Is this something the landlord should be fixing? Sorry for the long post, but thanks for reading.
  2. Theres no reason for JD Sports to purchase JJB as the company does not do anything unique that JD Sports couldnt do after buying selected assets from the administrators. Its not as though JJB has any contracts, goodwill, intellectual property or highly skilled employees that they wouldnt want to risk losing in an insolvency process. They are probably just being nosey, and having a look at the books before they step back, wait for it to go pop and then purchase the assets they want from the administrators.
  3. Yep, he just gets a handout from mummy and daddy whenever he fvcks up. His company (nightclubs & property) was placed into administration, and then he went bankrupt. Refused to go to the Official Receiver as he didnt want to be seen going into their office. Received a lengthy ban from being a director and now works as a 'consultant' for his former employees nightclub. Rumour has it he ransacked all the clubs of cash the day before the administrators were appointed and gave it to his mate to look after.
  4. I was under the impression that Sheff Utd are in serious difficulty. I dont think West Ham have paid the £18m and cant pay as they are owned by a bust Icelandic bank. The people that want to buy West Ham are put off by the fact that they owe this amount to Sheff Utd. If West Ham cant/dont pay Sheff Utd could go bust , which is a bit embarrassing for football.
  5. Its well know in the industry that Dorset County Hospital is fvcked and has serious budegt problems. This is likely to be the first of many changes to turnaround the finances.
  6. The lawyers in this article act for a big sub prime lender and also deal with bankruptcy and insolvency. They are probably doing quite well at the moment.
  7. A sign your employer could be in trouble: Me turning up at your place of work.
  8. Its run by Paul Staines. http://en.wikipedia.org/wiki/Paul_Staines http://www.order-order.com/2004/01/about-guidos-blog/
  9. Key point was the essay ws published in Chinese and English for its intended audience
  10. Theres a suprising number of Insolvency Practitioners on HPC.
  11. Any company with a turnover of £100million that is audited by a small firm is potentially a fraud. The company has so much leverage over the small audit firm that they are reliant on them for fees and therefore do what they want. How can a small audit company have enough resources to work on a job like this. Both Madoff and Stanford were audited by very small audit teams and we know both of them were a scam. I hope Ashgates Corporaye Services have good professional indemnity insurance.
  12. Good call, JJB is virtually inevitable after being unable to sell the Gyms.
  13. 10% of UK companies to 'freeze' pay 80% of UK companies to make redundancies 10% of UK companies to fail
  14. Lehman Brothers Holdings Inc. Washington Mutual, Inc. WorldCom, Inc. Enron Corp. Conseco, Inc. Thats the top 5 currently, not many companies out there bigger. Suspicious that the source is apparently DLA solicitors, Clifford Chance solicitors are advising GM Europe and Baker & McKenzie are advising GM USA.
  15. Whilst it is unlikely to happen to whole cities in the UK, there are a lot of abandoned places. http://www.28dayslater.co.uk/forums/
  16. http://www.sorryfromgordon.com/ "I claimed to have saved the world that was - certainly the case in the nice dream I had."
  17. Its always a shame when 16.3 trillion cant fix a problem. http://v2.ftalphaville.ft.com/blog/2009/03...-suicide-watch/
  18. We keep hearing this, whilst all HBOS policy and criteria is being changed to match Lloyds, the actual business of Lloyds is being kept as far away from HBOS as possible, perhaps so a demerger could be done if necessary/allowed.
  19. The possible penalties are a Bankruptcy Restriction Order or Undertaking. These dont have any implications on how much is paid back. The judge that makes the bankruptcy orders dont look at these sort of things. It is generally done by the Official Receiver. Unfortunately the Official Receivers are very busy at the moment so only the worst cases are purused. I have seen BRU's for taking out loans which the debtor has no possibility to repay but never for liar loans or BTL's. It would be up to the creditor to highlight to the OR that they had lied on the credit application, and creditors would very rarely bring it to the OR's attention. If they did, the OR would be able to do a BRO/U quite easily.
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