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    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
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Warmfront Problem


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Earlier this year I was contacted by Warmfront in relation to grants for Cavity Insulation and Loft Insulation - we were approved and the work was carried out a few months ago.

 

Since then, we've had a real problem with damp and condensation, mould is growing around my windows, the sills are constantly wet and the window frames and sills are starting to rot.

 

I've heard and read that cavity wall insulation, if not completed properly can lead to the airflow around the building being stopped, and this causes any wood to rot.

 

I'm currently unable to work due to serious illness, and I'm worried about the health of my 6 and 3 year old. I cannot afford to get double glazing installed, is Warmfront responsible for this? had I known at the time that I might lose my windows I would never have agreed to get the wall insulation.

 

Any help would be most appreciated.

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Hi

 

If doing wall cavities they should make sure that the airbricks ventilating the joist and board ground floors are not blocked by insulation; this can happen particularly in older houses and sometimes leads to dry rot in floors.

 

There is a good guide here on the procedure which may help to see if they did things correctly:

 

http://www.energysavingtrust.org.uk/uploads/documents/housingbuildings/ce16.pdf

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Do you use a tumble dryer indoors? There is always some moisture in the air, even if you cannot see it. When moist air hits a cold surface it cannot hold it and tiny drops of water appear.Drying clothes in an un-vented tumble dryer produces a massive amount of water.

 

Have you tried ventilation?...

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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We had the loft insulation/draught proofing and cavity wall insulation done at our last house. Pretty much the same, my husband got IB and DLA so we qualified to have the work done free of charge.

 

We never noticed much difference with the draught proofing and loft insulation, we still had to put sellotape around the back door to stop the wind coming through. What we did find though is that the condensation was awful, not just on the windows, we had pools of water on the bathroom floor after steam collected on the toilet cistern and dripped off. The wooden window frames were covered in mildew and had started to go rotten.

 

We bought a dehumidifier (it was about £90) and had that on 24/7. All in all, I think the cost of the dehumidifier and the electricity to run it outweighed the benefits of the cavity wall insulation.

 

Have since moved to another old house (over 100 years old) and apart from having double glazing here, not much difference apart from having solid walls (no cavity to insulate) but we are warm, dry and condensation free. I think the Warmfront people should include, as part of the deal, extractor fans in the kitchen and bathroom of any house they recommend should have cavity wall insulation.

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We don't use the tumbledryer in the house, and the condensation has started to rot the windows in the kitches, hallway, bathroom, my bedroom and my kids bedroom - I need to replace the windows and can't, I also can't afford to get dehumidifiers for upstairs and downstairs.

 

I have the central heating on for approximately 2 hours a day and have the window open in the kitchen when I'm cooking.

 

Can anyone tell me if I am in a position to ask Warmfront for compensation?

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I very much doubt it, if it was only a few months ago any rot would have already been there as it don't come that quick, but you can clean and paint the window frames to stop the moisture getting to the wood, like they are on the outside.

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Yes but I have to clean my windows every day - and mop up puddles of water. I'll see what Citizens Advice have to say.

 

I just can't believe that in this day and age it's ok for a firm to say - here have a government grant - then arrange for a company to carry out their recommendations, and ruin your home!

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I completely sympathise with you, you have to be in that situation to know what it's like. We had wooden window frames but they were well maintained (painted inside and out). My tumble drier was vented through an outside wall so we couldn't blame that, plus it had been there long before the cavity wall insulation.

 

Within a day of having the cavity walls done the windows were running in water, not just after cooking or using the shower, all the time. Okay, it was November and it was cold outside but there was no getting rid of it, we mopped it up and there it was again a couple of hours later as bad as ever. Black mould started to grow on the frames so we tried a mould inhibitor - also works as an effective paint remover so that made things worse.

 

The dehumidifier sorted the problem but we could only afford to buy one so we had it on the landing and left all the internal doors wide open. All in all, heating the house with all the doors open and the cost of running the appliance proved more expensive than the amount the damn stuff should have saved.

 

I wouldn't wish cavity wall insulation on my worse enemy and if I'd have known then what I know now I would have been looking to do something about it. I don't think it can be taken out once it's in but I'd be looking for extractor fans (at least) from Warmfront.

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I've spoken to my local CAB who were pretty useless, I at least wanted some advice on what to put in a letter to Warmfront, but the woman I spoke to was more interested in taking my personal details!

 

I'll send a letter outlining the issue, with some photos and see what they come back with.

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I can't see how you are going to get anywhere with this. Condensation is made by you and your family not as a result of having the loft and walls insulated. You need to find a way to get rid of the damp air before it condenses on the windows.

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May I suggest that you look at the evidence to the contrary on Google and other people's experiences, whilst I'm not going to go into detail about my family life I know that the amount of condensation in my home is not caused by day to day activity.

 

If cavity wal insulation is done incorrectly then airflow around the house is restricted and condensation forms on the window sills which is exactly what is happening - I have lived at my address for 6 years and have not had this problem prior to the insulation. So thanks for your advice but I do know what I'm talking about here.

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May I suggest that you look at the evidence to the contrary on Google and other people's experiences, whilst I'm not going to go into detail about my family life I know that the amount of condensation in my home is not caused by day to day activity.

 

If cavity wal insulation is done incorrectly then airflow around the house is restricted and condensation forms on the window sills which is exactly what is happening - I have lived at my address for 6 years and have not had this problem prior to the insulation. So thanks for your advice but I do know what I'm talking about here.

 

That may be so, but you say yourself above 'condensation' and that is not caused by adding insulation. I am just trying to be realistic here, boiling the kettle makes a lot of condensation so does baths and showers or boiling spuds or doing toast, a gas cooker throws out a lot of condensation just by being alight.

Your body puts out condensation by breathing.

I don't want you to be disappointed when they dismiss any arguement you try to make.

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