Just to update, we have employed a loss assessor to take over our claim. They have advised us to chose our tiles etc and once the walls are dry they will buy and install etc. The situation with the house next door is now with the local council, although they are dragging their heels. Thanks Chica

The situatuion seems to be much worse than we thought. We removed the units that held the hob and oven today to find that the wall behind is completly soaked through - dehumidifier is currently doing its work on that. We spoken to the enviromental health who haven't really said much. The councils enforcement team is now in the act too as they have details of the 'owner' so will be interesting to hear what they say. Nextdoor now has slates moving on their roof which seems to me to be the effects of slight movement in that property as we have had no trong wind/rain over the last two days which could have caused that. We've also spoken to our local councillor who is now championing our case!! The reason for us to locate a loss assessor is that we don't seem to be getting anywhere with the insurance/loss adjustor. They just want to patch up and go rather than get to the undelying problem of removing the water and we thought the loss adjuster could potentially help us. Need to get some quotes from builders this weekend to replaster and retile the whole kitchen wall. Will keep updating here. Chica

Good morning all. I've come asking for help! We live next to an old abandoned property which was allegedly bought by a property manangement company recently. On Tuesday afternoon, we noticed some water dripping from our extractor fan onto the hob. The extractor fan etc is all on the dividing wall between our house and the abandoned derilect place. We called the Property Management company after identifing that the water was coming from there. He said he was going to get in touch with his maintenance man and get in touch with us. 3 hours later and there has been no contact from him or his maintenance man and water is now all over my kitchen floor and seeping out of my back wall. Phoned my insurance, who told me to call the water board, called water board who told me to call the council, called the council who told me to call the police! Police came out and gained entry and tried to isolate the water, they couldn't so the fire brigade were called. They came and managed to turn off the water, which was gushing, like taps on full blast gushing! The fire brigade advised us there was 2 or 3 inches of standing water in the property and they could hand ball it all out but there would be a charge and perhaps it would be better to get the owner to do so. Now the hous enext door, doesn't have floorboards or flooring downstairs. The previou owner dug it up about 4 years ago and has never relaid anything so its just sand/concrete/scree etc. So for there to be 2 or 3 inches of standing water must mean that the water cannot go any further down? Called my insurance company the next day to make a claim (something which I have never done in my whole entire life so have no idea what to do!!) The insurance company said they would send a loss adjustor round. Loss adjustors arrives and tells us the hob and extractor fan is water damaged and cannot be used. That I would need to hire a dehumidifier to dry out my walls/floors and get an electrician in to check if the oven is usable, and that they would try to track down the owner of the next door property as the property management company had advised me earlier in the day that they hadn't actually signed for the property yet as there were missing house deeds and it was in probate. So we have done everything we have been asked to and been advised that the oven is unusable. Where do we go from here? We need to get the water pumped/removed from next door as surely the more time it is in there, the more time there can be damage made to our foundations etc?? I've been in touch with the enrivomental health who won't/can't help me as the property is 'owned' by someone!! Now, I'm stuck with wet walls/floors and no cooking facilities and a horrible stench coming from our kitchen. I'm considering hiring a loss assessor as I really don't know what to do next. Does anyone have any advice or recommendations? Thanks Chica

Cheque recieved in the post today!! 747.17 thankyou Abbey

Update: The 50 pounds was applied to my account as a gesture of goodwill. The Judge gave Abbey a second chance to file their witness statement. It was due to be filed on the 22nd of August. Abbey still didn't file so I rang the court and they told me to request a Judgement by default!! So yet again I won!!! Just waiting for my cheque now!! Thank you Abbey!!

The papers were their witness statement etc. I phoned the court and was told i would have to wait until the 27th when it goes back to the judge for his decision. Should I write to Abbey and say thanks but no thanks for the £50?

Update on the case: Abbey were due to file their court papaers, witness statement etc by 4pm on the 13th. They didn't. This morning, I got a letter from them dated the 12th offering me £50 on a claim of £750. I don't think so....have I not won anyway seen as they didn't file the papers in time? What should I do about this letter? Thanks

Having problems filling out my AQ!!! Need help with N150 Other information: When it says have you attached docs to this questionnaire...is that asking me to attached all letters etc again?

Have recieved the defence from Abbey. Exactly the same from my first claim!!! Do I need to wait for an AQ or do I submit my witness statement now? It's been so long since I've done this!!

I knew it needed about £150 repairs (it was a typo).

Claim issued 20/04/2007. Deemed as served 25/04/2007. Abbey has until 09/05/2007 to reply. Roll on my money!!

Thanks

40 days runs out on Monday 23rd April and still not heard anything. What should I do?

On the letter from Egg it asked me to send further id which would be returned immediately. I sent my passport and council tax bill and still not recieved it back. Should I start getting worried?

Recieved a letter offered full and final settlement of the total amount today stating money will be paid into the account within 5 working days. Letter dated 6th April so I make that the money in my account on the 16th at the latest. I did forget about the default Jonni and I didn't add it on to the particulars of claim. Is it now too late to apply for the default to be removed also?

I'm a bit bummed that it could now take a further month to get my money!! Never mind at least it'll come!!

Well Friday the 30th has been and gone and no defence or acknowledgement from the Halifax was recieved at the courts!!! Am I right in assuming I've now won by default? I filled in the section on the court file paper and sent it off to the courts advising that I want the Halifax to pay immediatley in one lump sum!! Am I also right in assuming that if they don't do that then I can send in the balliffs??? That would be soooooo great!!!

Well I finally put in my court claim on the 13th March. The court deems it as served by the 16th and Halifax have until hte 30th (yesterday) to defend or acknowledge. Will keep everyone posted.

Thats what I thought but didn't have to do it with anyone else. I suppose the other banks aren't arsed over who gets what info!!!

Recieved a letter from Egg this morning, so they have obviously recieved my letter. It reads: Thank you for your request of details of the personal data Egg holds about you. Egg places paramount importance on the security of your personal data, and before we process your request, we first need to see an item of identification. Please forward one of the identification documents listed below. A pre-paid envelope is enclosed for your convenience. If your request realtes to a joint account, each account holder must provide a seperate item of identification. Identification. We will accept any of the documents listed below; A bank, building society or cedit card statement, which should not relate to an Egg account A stord card or catalogue statement A utility bill The document must be a n original, not a photocopy, and dated within the last 3 months. It must show your full name or first initail and surname and your current address. All documentation will be returned to you. If you cannot provide any of the above, we will accept a letter confirming your identity from your employer or another professional person such as a solicitor. It must be an original on headed paper, dated within hte last 3 months and authenticated with an offical stamp if applicable. Does anyone know if they can ask for further id?

Thanks

I recieved my statements and calculated what they owe me..£180 + £30.25 interest. Prelim letter was sent on the 12th March..Royal Mail website shows as not delivered yet I recieved a letter form them dated 26th March re my letter dated 12th March. Letter reads: Thank you for your letter dated 12th March 2007 about charges on your account. Following the OFT statement on 5th April 2006, you belive certain charges we have made to your account (for example, late payments/returned payments/exceeding your authorisede credit limit) are unlawful and have asked for them to be refunded. You'll know that most of our credit card services are completly free, and your card provides a conveninet way to pay that can be used worldwide. We do however make a charge if you pay us late, or if we let you go over your agreed limit, or if we have to tell you that a payment made into your account isn't met. All these matter cost us extra cost. These charges are not hidden. You can find them on your monthly statemnts, on our website or by contacting our branch staff or telephone helpline. The minimum monthly repayment and the payment date, and your credit limit, are also clearly shown on every statement. So you should find it easy to stick to the legal terms and conditions you have agreed to. We believe our chargeing policy is fair. The OFT's statement is their view of the principles they think credit cards issuers should follow. Ultimately, it is only a court that can decide whether a term is unfair in legal terms. As you will know, the OFT recommended that these charges be cut to £12 and we have made a commercial decision to do this with effect from 29th June 2006, even though we do not agree with the OFT's interpretation of the law. The OFT made no recommendation about previous charges and we do not plan to make any alteration to charges we made in the past. As a result we are not in a position to offer you a refund. I do hope you know understand why our changing policy is fair, and how you will be able to avoid these charges in the future. For you information, I have enclosed a copy of our leaflet "How to voice a complaint" which explains what to do if you are not happy. You don't need to reply to this letter unless their is anything else you'd like me to help you with. If you do want to contact us again about this letter, please do so by the 26th May 2007. If we cannot agree on a solution at that point, I can help you refer your complaint to the Financial Ombudsman Service for independant arbitration. Yours sincerly, Graeme Nattrass Senior Concerns Officer. LBA on its way Monday!!

Letter was sent on the 12th March but still not signed for. Royal Mail have until Monday to deliver before I class the letter as lost. I suppose I'll have to send the letter again then?

Letter was signed for on the 14th March. Still awaiting statements.

Well the letter was finally delivered yesterday. Does their 40 days start from then or from the date of the letter?