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Everything posted by Ecossewarrior

  1. hmmm Well she did say that the roof did start leaking however how am I to know she is not lying.. I am just sick of all this worry. Is there any way she can make me pay the £5k ? (the cost to pay me and the cost for the council to do the work).. She's a bully. 1minute she said she wanted me to start paying lump sums then the next minute she wants the full £950 back! all in space of 10minutes... then starts going on about how she could get £5k back if she really wanted to... and no I have never seen any solicitor statements or anything
  2. Ok so should I keep paying her money or what?
  3. I have a car lol but im selling it shortly..? hmm If I ask her for the surveyors report it woud show that I am trying to fight paying her and she might try and hit me with the 5k court case
  4. Very smart paint ball.. however there is nothing I could find regarding that matter on where I show the contractual interest. All I have on my statements is is : Purchase interest 2.570% and Cash Withdrawel Interest 2.570% but no mention of any other interest charges?
  5. Hey, the only problem is that she got a surveyor out who said the work done was not correct. This was only due to the fact that no cement work was finished by us. This was due to the fact that I told her that we could not possibly do that as well due to the cost we were charging. But I am unsure if any other work we carried out was not to the demand either. Also just before the council put the new roof on it started leaking again.....? I am so unsure what to do. I dont want to be in the situation where she takes me to court for all this money however I tried to say to her I would pay around £700 but she thinks this is not enough and her lawyers could claim for all the money easily.. however how could she prove that it was leaking? Also I dont understand how she can even sue me when I dont have a business anymore?
  6. Hmmm thank u for your post dw190 however she states that she could even take me to court for £5,100 which is the cost of the council doing the job plus the money I took off her... HOWEVER! She would only have had to pay half of the council bill if she had pre-approved it with the council. Since she did not she was made to pay the full whack for both her and her neighbour. I am pretty scared as I have just finished my Accounting degree and want to get on with my life however I do not want dragged through the courts for thousands of pounds. Especially when The business has not ran for over a year now? It confuses me how you never hear of any rogue traders being forced to pay money back however I merely tried to help her out since I was her friend at the time and I have been made a complete fool of (((( so annoyed because I was meant to be going on holiday but I cant now until this issue is resolved.
  7. Cash she paid and yes I issued her with a receipt. However she knew I was doing the job dirty cheap since it cost me about £700 for all materials to even do the job! I done it as a favour and shes doing this to me
  8. Ok guys I have found the template for it.. Now I have set up the charges in a spreadsheet.. only problem is how do I show the interest in my statements or do I just put the charges on it?
  9. Ok thanks and what template letter do I use please?
  10. No.13 Vamps Chambers? sorry but what is this please? I calculated compound interest and it nearly doubles my claim from £220 to £435.65 !???? that cant be right?
  11. Should I send it recorded delivery? I read some posts where they pretend that they have not received the letter! Dirty tactics lol
  12. Can somebody please tell me if this is the correct format for sending my A&L letter to the bank for gaining my statements and if it is the correct address. Thanks xxxxx xxxxxxxxx xxxxxxxxxx xxxxxxxxx xxxxxxx Alliance and Leicester Customer Services (DSAR) Bridle Road Bootle Merseyside GIR 0AA 01/07/07 Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: XXXX XXXX XXXX XXXX Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, Craig Inglis
  13. Well it ended up that due to it being a council listed building the council sent her a letter saying the roof had not been done properly and forced her to pay £4000 for the roof to be re-done. She would have only had to pay £2000 since she lives in a flat which occupies somebody else however she did not inform the council I was doing the work so they made her pull the full thing. I was not any form of company due to me just starting up so as I said I did phone inland revenue to let them know however I did not register the business.
  14. Could somebody please help because she is wanting all of her £900 by next week or taking me to court
  15. It did not go through the books because I only operated for 4 months so did not have an Accountant set up etc... and only made a very small profit. She said she could sue me personally though and her lawyers have told her this I told the Inland Revenue that I set up but that was about as far as it went really...
  16. Hmm thats a good point but the council just went ahead and did the work. How would they know if it was me or the business doing it? weird. I gave her an invoice with the company name on it. just gave her another £50 so thats £500. £700 is more than reasonable amount to give her dont you think due to the circumstances
  17. I used to own a roofing company. I got friendly with somebody and agreed to put a new roof on their house for £950 which is mega cheap. Anyway it ended up that the council were not happy with it and they re-roofed it again. The lady then stated to me she wanted all her money back (£950). However It cost me about £700 to do the job in the first place as a favour. I did give her a contract however the business is not operating any more and I have paid her £450 up to now. She threatened to take me to court if i do not pay the rest A.S.A.P however I do not feel it fair to pay the whole amount. And since my business is no longer trading would I have to pay anything anyway? Please help somebody
  18. Big companies like that are going to charge more money in order to pay their overheads etc.. However I do see your point about the charges.
  19. I am slightly confused. aviator. You state "do not use the spreadsheet on here"? Is it a case of calculating the APR then making my own spreadsheet showing the charges?
  20. I find it crazy that you are going to approach a solicitor to make money out of your son's accident? is this fair? You should just be happy your kid is ok!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
  21. Sounds gr8! thanks for the help.. does it take longer for the banks to pay out if you ask for contractual interest as well? Sounds a bit more fun adding more charges lol since they stressed me out I may as well get my own back.
  22. Hello there, I am hoping somebody can help. I have received statements through with charges for £220. Whats steps do I have to take now? Thanks Craig
  23. Becca just to let you know I phoned them tonight and I did not lose the head just told them again about the scenario.. they then phoned me back at 9 at night apologizing for calling so late but saying they would drop all the charges WOOOOW HEHE
  24. hey.. got some good news.. Phoned them and they are dropping the Money I owe them...HOWEVER I am really tempted to puruse them for the damage to my bumper on my car
  25. Dear rebecca, Sorry to bother you, I was with Admiral insurance until a couple of months ago. I asked them if I could cancel my policy due to the fact I was not happy they were not going to cover me for my handbrake failing on my car. The indian guy on the phone told me I would have 0 charges to pay in order to cancel it so I thought it would make sense to cancel it and go with an insurer. However I got a letter through my door asking for £98.36 in order to pay the full premium. They explained that this was due to the fact I had made a claim on the account due to a vandal scratching and breaking into my car and this is in my terms and conditions. One of the advisors then listened to the call in which I was wrongly advised that I would pay nothing if I cancelled and stated he had not informed me of this. Firstly I would like to ask you if it was fair that my insurance company did not take the claim on for my handbreak failing and also do you believe it to be fair that I was wrongly advised of what would happen when I cancelled. Regards Craig Inglis
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