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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Party Wall Notice - Changed planning


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Hi,

An elderly family member has received a party wall notice and we would like some advice before contacting a surveyor see if we just being rediculous.

 

The bits we would like help with are as follows:

 

1: adressed to the owner not him personally even though his name is known and shown further in notice.

 

Should it be addressed to him personally?

 

 

2: they give less than a months notice NOT minimum 2 months.

 

As it is a Party structure notice we understand it should give a minimum of 2 months notice.

 

3: the notice says to build a bedroom above the garage.

 

Original plans were for a gym above the garage not a bedroom, can these be changed without notice?

 

4: they say no special foundations needed.

 

The garage is joined to his by single skin breeze block wall and they have not as far as we are aware checked the foundations. They do say they will strengthen the wall but we have doubts about foundations as the neighbour the other side had to have foundations dug.

 

5: They want to erect the scaffolding over his garage.

 

If they do then he wont be able to use it for a minimum of 4 weeks, bearing in mind he does park his car in it can he claim compensation as in effect his insurance could be invalid as car wont be garaged as declared instead it will be at the end of his driveway.

 

We look forward to any responses.

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Hello there.

 

I'll move your thread to the local authority forum, hopefully people there will have information for you.

 

HB

Thats great thank you.

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The notice is not addressed to a person, because the ownership of neighbouring house might br changing.

 

In regard to notice period, where does the 2 months notice come from for this type of work ?

 

If your relative is not happy, why have they not registered a formal dispute with the local authority ? I don't think your relative has to give consent to scaffolding over their garage. If they don't want to assist the neighbour, then i am not sure they have to. It is not essential works to repair a property.

 

There should have been planning details posted on the local authorities website ? What is showing about the changed usage, what restrictions if any applied ?

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Not an expert on planning but

If plans state a gym and they are creating a bedroom then their is a difference between a habitable room and non habited room.

 

They must seek consent to place scaffolding on your property.

No consent, no build.

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You do, however, have recourse to the Access to Neighbouring Land Act 1992. The Act allows the court to grant an applicant a temporary right of access in order to carry out basic preservation works - works necessary to repair or maintain the applicant’s property.

 

However, The Act draws an important distinction between preservation works and works which are simply about improving the property: the court will not grant a right of access for the latter.

 

Be aware too that the court will not grant right of access if that access can be gained via an alternative route – even if that route is less convenient or more expensive for you to take.

 

The court is not obliged to grant a right of access if it would cause unreasonable disturbance or interference to your neighbour and, if a right of access is granted, the court can award compensation based on a measure of the inconvenience and damage to the neighbouring property.

 

Easy find on google.

No consent, its not preserving a property, its improvement

 

No consent=no build

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Thank you Sgt Bush your post is quite informative.

 

 

In regard to notice period, where does the 2 months notice come from for this type of work ?

 

If your relative is not happy, why have they not registered a formal dispute with the local authority ?

 

I don't think your relative has to give consent to scaffolding over their garage.

 

There should have been planning details posted on the local authorities website ?

 

In regard to the 2 month notice this is laid down in legislation??????

 

They did register an objection at the initial planning stage.

 

As far as we are aware they do need approval for scaffolding over the garage.

 

There were planning details posted, the plans were for a porch ext, garage converted to bedroom for carers? New Extension above garage to be a gym, single story rear ext.

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Hello.

Just so you know - if a neighbour serves a Party Wall Award on you - for work they intend to do to their property - you have the legal right to appoint a surveyor to represent you - at the neighbour's expense.

The neighbour's surveyors details will be on the Award they gave you.

Google a local to you surveyor who specialises in Party Wall Awards. Call them and give them the details of the neighbour's surveyors.

The new surveyor - looking after you and the condition of your property - will then attend your property and make notes/ take photos of yours to ensure when the neighbour's work is in process/done that there is no structural damage to yours. They will pass their bill on to your neighbour.

It is quite a simple process.

 

In terms of them changing intended use of their own property - that is a planning issue and the council could be contacted. However - does it really affect you how they use that room? You need to bear in mind if you may ever wish to do something similar to increase the value of your own property. Having the neighbour's change of use could be a good precedent. I always like to bear 'karma' in mind when I feel like complaining!!! After that thought, sometimes I back down on my initial angry thoughts.....

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We know he has to unstruct a surveyor of his own, what we were not sure about is what are his rights about the notice being wrong, I read somewhere that he can go back to them in writing and tell them until they serve a valid notice nothing can be done.

 

After reading and re reading the planning approval it states that plans are approved as listed and shall be carried out in accordance with drawings etc. Now they wish to build in the same space etc but change the use from gym to bedroom.

 

It is highly unlikely he or anyone else would want to do the same extension as it would devalue both the properties at the moment they are linked by the garages if the relative copied and extended then they would become semi detatched and in that area worth about £5000 less than the current valuation.

 

We have a surveyor we now coming today to give us her opinion then he is going to do whatever is neccessary after.

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