Jump to content

NGEddie

Registered Users

Change your profile picture
  • Content Count

    898
  • Joined

  • Last visited

Community Reputation

2 Neutral

About NGEddie

  • Rank
    Basic Account Holder

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. I was thinking more about this, as yes it does feel like harassment. 1. Parking over our dropped (a couple of years but does it more now) to make it difficult getting in and out - had parking tickets and still does it 2. Playing loud music at random times - witnessed by env officer and warning letters sent 3. At rear of property there is a shared lane, he is at the end facing in and we all face along. Has concreted a bit outside his garage door and gone well into my part (doesn't really bother me but its wrong!) 4. On the broken front fence has previously moved panels so they stick into our garden. 5. The stupid letter about a few screws on the middle front fence. All these things are like an immature teenager/kid/very pathetic idiot but can get to you if you let them. What options would there be for me?
  2. Correct, no absolute certainty as to who owns the actual fence whatsoever. It is all broken and messy hence why the bamboo thing seemed a quick fix to help it. The parking it deliberate without a doubt. But really, who with any sense would get parking tickets…and still keep doing it?! I shall get some photos yes! The anti-social behaviour team are aware of all this going on and deciding how to deal with it, although I don’t really know how much good it would do! Thanks for the advice, yet again!
  3. Really, civil claim for damages? is this one that a judge would groan about and wouldn't go anywhere? At the end of the day I could just take the screws out and prop battens against it, but the person has caused so much aggravation I am loathed to!
  4. Yes it is the same person. I didn't want to start a new thread as is connected?
  5. The front fence (neighbours) is/was falling apart so when my builder was doing work for me I asked him to fit one of those bamboo fence things to basically cover up the messy look. He did this and used four screws and some wire to hold it up, which he attached to the neighbors falling apart fence posts. The fence was there before he moved in, the bamboo thing was added maybe two years ago? It is not heavy at all, so the only damage would be screw holes into a rotten fence. I believe the reason for the letter is retaliation after getting four parking tickets for parking over my dropped kerb and a letter from environmental health after their officer was in our home for a hour listening to his music which was borderline abatement order.
  6. Hi all Just when you think it's safe to go back in the water... I got a letter (recorded but postman just posted it, so not signed for!) from the neighbor asking me to remove the fixings (4 screws and a bit of wire) from his fence within a mo nth as I have no legal right and didn't ask permission and once this is done to not lean anything on his fence... Any damage caused is criminal and I would be liable for costs! Thoughts please?! Cheers E
  7. I am submitting this tonight, but I have just found the mortgage agreement! It states in special conditions: Payment protection insurance being effected by a person or persons (the insured) with the insurer and for an amount and covering all risks to the bank is a precondition of the loan etc... There is also a mortgage loanguard leaflet which mentions Direct Line. I guess this shows I did have PPi as well as the life assurance and didn't even realise?!
  8. Ok, i'll go with ppi/associated insurances then as a blanket cover
  9. Is it better to just submit the PPi claim now (as aware of time) for the loan and mortgage and then address the life assurance/insurance after then? if so I can just do exactly as you say in post 15 and wait to hear what they say. If I use their ppi check for the mortgage side, surely that would delay it beyond 29th?
  10. Ok I'll do it exactly as you say then. The reason I did that is because I 100% had ppi on the loan, but am not convinced ppi was on the mortgage to be honest, although the life assurance was and do remember being told I had to have it.
  11. Better? What happened when you took out the payment protection insurance: In xxxx I had a loan with you which had PPI added to it. When I started my mortgage with you in 1997 a ppi/life assurance was added. Finally, tell us now why you are unhappy with the policy(s) that you purchased: I didn’t know the loan ppi was optional or that as this was added at the start of the loan I then paid interest on this as well. I was told life insurance/assurance was compulsory for my situation and type mortgage and only recently learned this is not the case.
  12. Sound ok? What happened when you took out the payment protection insurance: In xxxx I borrowed £X over 18 months which had PPI/loanguard added to it. When I started my mortgage with you in 1997 a life assurance was added as a separate policy. I also have a mortgage PPi illustration but am unsure if it was added. Finally, tell us now why you are unhappy with the policy(s) that you purchased: I didn’t know the loan ppi/loanguard was optional or that as this was added at the start of the loan I then paid interest on this as well. I was advised I had to have a life insurance/assurance as part of having the mortgage and only recently learned this is not the case.
  13. Shall do as don't ask for any figures! There are two questions with free text they ask you to complete: What happened when you took out the payment protection insurance: and Finally, tell us now why you are unhappy with the policy(s) that you purchased: The life one is easy as do remember them saying I 'had' to have it. The loan one off PPI not sure, because they didn't explain interest is charged on this as well? or? Many thanks E!
  14. This link goes to the RBS form which submits to their portal I think, is that what you mean?
  15. Great to know dx! RBS have their own form, so I guess its ok to submit rather than be posting now? Its been many years since I did one of these and back then was for someone else!
×
×
  • Create New...