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Found 18 results

  1. Hello, I had work done by a builder about a year ago, but since then I have had nothing but problems. The beams in the roof have not been installed correctly, causing major cracks in the loft room and below, the windows have not been installed properly and many other issues. Does anyone know if this sort of thing would be covered by a builder's product liability insurance? He built and installed my roof incorrectly and also installed my windows wrong, which in turn has affected by brickwork. Given that he built and constructed my extension, does that mean any faults fo
  2. Synopsis Public Sector temporary employee suffered loss of income due to Sector restructure. Background Lloyds loan taken out November 2008 for £7.5k for 7 years. Failed to make repayments from January 2011. Default August 2011. The debt has been round the usual houses: SCM -> MHA -> Moorcroft-> Iqor-> Robinson Way->Horwich Farrelly->MacKenzie Hall->Arrow Global Ltd->Debt Managers-> Rockwell-> Moorcroft-> Westcot->Arrow Global Ltd/Restons. No communication entered into with any. Claim On 8th May 2017 Arrow Global Ltd issued N1 against me
  3. I have a dispute with Plusnet , going back to Nov 2015. The complaint has been very drawn out by them and focusing on the wrong thing. A breech of contract occurred by them but they focused on cancellation charges. As of 17 March 2016 this is now under adjudication by CISAS. (ombudsman) However the process ended abruptly. Going from "we are sorry its taken so long" (22/2/16) then a few weeks later "we have passed your debt to a collection agency" and added 25% to alleged bill (5/3/16) which prompted me to prepare a claim to CISAS. The wording from the agency letter 24th March
  4. hi, (back from a while ago) One of my creditors has offered a settlement figure, which is within my reach. (done all the CCA stuff, etc, as per earlier advice) The letter I received seems quite generic in its wording. Is there a specific wording I should look for / ask for? If I pay the smaller amount, can they still sell on the remainder to another company? What wording should I ask for, to ensure the settlement means no further sums are due, to them, or anyone else? thanks. (for info, a debt of 4400: offer 1200 accepted)
  5. Hi All, Apologies if this sounds like a daft question but should a NOA contain certain wording to be valid? The sentence I am interested in is as follows: 'has assigned all of its respective rights, title and interest of the above referenced account including the outstanding balance to....' Thanks.
  6. Afternoon Guys, I've been helping a colleague with trying to sort out her debts and creditors over the last couple of years and so far things have gone well. However, 2 days ago, she received a MCOL claim form from a debt from an old bank account not used since 2003. She has said that she has made no payments nor has acknowledged this debt since then so it's statute barred. I have trying to fill in the defence online and a struggling how to word it specifying section 5 of the limitations act. She has already sent a letter, which we got from the national debt line, via signed f
  7. Guys, a family member has a problem with an adult child taking out credit in the family home where she no longer resides and hasn't done so for some months. I advised them to go to a solicitor and 'do a swear' to get some official documents to give to bailiffs, debt collectors etc should they get doorstepped. They went to two solicitors in the local high street who both said that they would need to be given the wording for the swear rather than write it for them. I think it just needs to say something like 'this is a declaration that xxx xxx does not reside at this address' or this i
  8. can i check if this is sufficiant wording or if i would need to change it You can respond to this letter on the above address, I have asked Mr XXX to countersign this letter, this signature confirms that I have his full confidence and authority to act on his behalf, including the rights to bring court action in my own name on his behalf, and the right to represent him in court if necessary.
  9. Good morning please could anyone offer at advice on a clause within a fixed sum credit agreement which reads "we may from time to time increase or reduce rate of interest after giving 30 days notice both as a result in interest rate changes which applicable to all borrowers. We may vary the rate due to changes in our underlying fund or input costs. Variations in the rate of interest under this agreement are not in line or linked to variations in BOE base rate" Is this very dangerous ground ?? I thought fixed sum meant just that? Any advice would be appreciated
  10. I had an insurance repair job done on my car late 2012. I have made several visits to the garage to complain about the work. They made some alterations. During February of this year I called an assessor out to check the work who wrote to me saying the paint did not match and the work was shoddy. I took 5 quotes and chose a repair at £350 to make the paint match better. Although I do not have a case against the insurer because I CHOSE the repairer, I think I have a claim against the repairer under the sale of goods act. I want to write a nice letter explaining that
  11. Hi all If the first you knew of any bailiff action was finding the following on your doormat (capitals/bolding/underlining all original), no bell having been rung.......... "I have attended today with the intention of removing your goods and chattels as are necessary to discharge the above debt and any additional ENFORCEMENT COSTS incurred. PLEASE NOTE - No further arrangements are acceptable and payment is now required in full by CLEAR FUNDS ONLY. "I will re-attend at your address at my convenience and may REMOVE goods even in your absence." would this fall foul of la
  12. Hi all, I have recently had a great time in the lake district, now about a fortnight later I have had a parking charge from parking eye for a car park in Hawkshead. Through the holiday we used many car parks including the one in Hawkshead twice. So of course we had a ticket for every car park visited. surly they should provide a photograph of my car with no ticket. Of course I didn't keep the ticket, I have been driving for forty odd years and have never ever kept tickets. Comments/advise please.
  13. Hi No doubt, lots of people will be aware of the total mess NRAM has caused with regards to the wording in their statement regarding the repayment of interest on loans under £25k. If not, here is an article... http://www.guardian.co.uk/business/2012/dec/11/northern-rock-loan-blunder-270-million-pounds I am myself affected by this "mistake", which basically means that I have paid more money to NRAM than they are legally due. Now according to the wording in the letter received, NRAM will not be paying cash refunds. Instead they will be amending the amount owed on the Loan.
  14. Hi all, I've been reading this forum for a while now and finally decided to register. I'm very impressed with the advice offered here and I'm hoping I can get a little too with some PPI Claims. I'm an Engineer by trade and hopeless at writing letters, I'm hoping somebody could proof read my words before I send them off. Would this be OK? As the title says, I think I have grounds for three separate claims, should I ask for advice using three new posts or should I lump it all in here first? I'm really hoping somebody can assist, both with the wording and also t
  15. Hope someone can help with this problem- i moved into the property 1/1/2006 but the tenancy was renewed every january after that so should have been protected firstly a bit of background i moved out after the bombshell of my landlord wanting to sell the house- thanks to the advise on another forum the landlord agreed to a mutual termination. there was no inventory or pre-move in check on taking out the rental agreement 7 years ago & i moved out reasonably smoothly, had a company come & clear rubbish from the garage & garden, scrubbed the house from top to bottom including oven
  16. dg soli have agreed a settlement of 25%,,, im on token payment, ,no assects so still best 4 them at 25% from 3dr party, ,,but grt 4 me to be rid,, they say there letter will say ,,,they accept £,,,, in settlement of above a/c.....,, does not say full nor partial ,,,they say once settled credit file will show partal settlement with balance at 0,, im thinking the word settlement will be ok,,as that implys the a/c is settled,, your views please,,, has any1 else done f/f with dg, ,,,,,was there wording same???? thks all 4 your antisipated views n help:|
  17. Hey one and all im hoping you can help me with a situation i have found myself in. Yesterday i was given a parking fine for a code 25 "parked in a loading place during restricted hours without loading". I feel i have grounds to appeal on several accounts :- 1 the signage was posted far away from the bays in question 2 the sign (the only one i eventually saw turned out to be the only one around the area) was facing aaway from the flow of traffic on a one way street. 3 the "restricted hours are monday to saturday 10.30am - 4.30pm and my ticket was issued at 7.40pm so not within res
  18. Hi, I owed some mortgage arrears, but have now paid them off (Woo Hoo !!!), but only after the mortgage company had taken me to court. However, the case was adjourned until July and now I want them to stop the case completely. My question is what should I ask for written confirmation of from the mortgage company? - withdrawl of the case - or stopping of the case - or for the case to be stayed / struck of? i.e. if I ever get into arrears again, I want them to have to start the whole procedure from the beginning, not merely re-activate a case against me that they had so
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