Each of these is a refusal this regime lets a counterparty attempt, paired with the answer to it. Reading them before you write is worth more than any amount of polish on the letter itself.
"That was agency fee, legal fee and caution — none of it comes back"
high likelihoodThe landlord or agent characterises most of what the tenant paid as non-refundable fees rather than as a refundable caution deposit.
What answers it
Ask for the breakdown in writing and compare it with the tenancy agreement and the receipts you were given at the time. Whatever was described as a caution or security deposit when you paid it is refundable on the terms of the agreement, and cannot be retrospectively renamed. Where the sums were never itemised at all, that is the landlord’s problem, not yours.
Tenancy Law 2011 (Lagos State), s. 4 — s. 4 (unlawful for a landlord to demand or receive from a sitting tenant more than six months’ rent from a monthly tenant or one year’s rent from a yearly tenant)
"We are still working out the costs"
high likelihoodThe landlord holds the whole deposit indefinitely while quotes, invoices or utility bills are said to be pending.
What answers it
The statutory return period exists precisely so the landlord can obtain quotes and final bills inside it. It does not restart because they left it late, and it does not licence holding the whole deposit against one unquantified item. Ask them to return everything not genuinely in issue now, and to quantify the rest by a stated date.
"The property needed cleaning and redecorating"
high likelihoodThe landlord charges for cleaning, carpet wear, scuffed paint or tired fittings and treats the deposit as a refurbishment fund.
What answers it
Fair wear and tear from ordinary use is not a recoverable loss in any of the regimes this product covers — a deduction must reflect damage or a breach beyond ordinary use, must be evidenced, and must be reduced for the age and remaining life of the item. Ask for the invoice, the check-in and check-out evidence, and the calculation.
"Prove you did not cause it"
high likelihoodThe landlord asserts damage and expects the tenant to disprove it, often without a check-in inventory.
What answers it
It is the party seeking to keep the money who must justify keeping it. Where there is no dated check-in record to compare against, an adjudicator has nothing to measure the alleged damage from, and the deduction generally fails on that ground alone.