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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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HSBC Bank - Overdraft Charges


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Just read those pete ......great stuff!

 

With the press explaining to customers that it's not all over ...... this could be a roller -coaster for the banks .....:D . and ,as the Brum Post is saying , the banks knew the implications of the judgement before us and hoped we'd all miss the loophole ... fat chance ! I'm beginning to have a sneaky admiration for Lord Phillips & Co ........:rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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The news at first sight was awful but as always with legal people you have to read exactly what they say :rolleyes:.

 

The banks have won against the OFT but the Supreme Court has also left a huge hole in their argument so we need to make that hole bigger and give it wheel chair access so we can all get through :D.

 

pete

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The news at first sight was awful but as always with legal people you have to read exactly what they say :rolleyes:.

 

The banks have won against the OFT but the Supreme Court has also left a huge hole in their argument so we need to make that hole bigger and give it wheel chair access so we can all get through :D.

 

pete

 

+1 and rep for that mate !

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hee hee ! you'll be in trouble rudy ! :eek:

 

pete doesn't like reps ..... he says it puts green blobs on his castle walls which are a beggar to scrub off .... :rolleyes:

 

but I just think he's modest ! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Nice one Freaky ! :D

 

The banks have been unusually quiet about all this .... I think they know there's a hole below the waterline and are trying to keep it to themselves . :rolleyes:

They also said they'd deal with the millions of 'held' complaints(which have to be dealt with in 8 weeks now that the waiver is lifted) 'in an orderly fashion'

The only way I can see them doing that is by a million template letters saying basically - "The Supreme Court said we won ..... goodbye and don't complain again ......... " . A lot of people , like the gentleman on the TV yesterday will say "Oh,dear ! OK! " and leave it at that .

I think our job is to let as many as possible know that they can still go to court with their claims .:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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HSBC have certainly been quiet about this.

You just know from all the evasive interviews given by the likes of Angela Knight that they are not sure what's going to happen next.

 

I heard one chap on the Jeremy Vine show yesterday ( his name escapes me cos I'm old) who said "if people would just stop spending for a couple of months and build themselves a financial cushion they would not get themselves in difficulty" or something similar.

 

What a genius!!! If only I'd thought of that. :rolleyes:

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.

 

I heard one chap on the Jeremy Vine show yesterday ( his name escapes me cos I'm old) who said "if people would just stop spending for a couple of months and build themselves a financial cushion they would not get themselves in difficulty" or something similar.

 

What a genius!!! If only I'd thought of that. :rolleyes:

 

well I'll write to the council and the gas and electric people and tell them the bank say I cant spend anything for two months, and give up eating :rolleyes:

 

I wonder how big his bonus was freaky? lol

 

pete

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ok im REALLY confused....loophole?

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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ok im REALLY confused....loophole?

 

Read the first three announcements in the Welcome forums, linked below and also Castlebest's links in post 200 above

 

 

Welcome to the Consumer Forums - The Consumer Forums

 

 

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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HI All

Sorry for not getting back to you all but have been so busy over christmas and then just after new year son was addmitted to hospital with pneaumonia but all is ok he came home on thursday so Im back.

Jonny mitch you asked if the court had stayed yes they did but the only letter received from them was to say the court are in favour of them so should we just leave it and see what happens

thank you lisa

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Hi lisa , glad your son's recovering Ok ....hope this year is better for you than last ....... :)

 

Are you saying you've received the standard template letter from the bank saying "we won -you lost -now buzz off and don't complain again ! " - or words to that effect . ?

 

If so , you could send a letter (like pete castlebest's, suitably amended) :rolleyes: to let them know you're not giving up just yet ....

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2664368.html

 

and if you then hang about for a bit , we're hoping that revised POCs will be forthcoming shortly.......

:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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