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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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Cheekiness towards a DCA


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Oh yes the infamous Ms Dyde Lol U suggested I speak to their solicitor regarding my issues Yeah rite lol

 

I think that's because Mrs Dyde is to busy sorting out the piles of paperwork and 3 seperate formal complaints I made about Moorcroft's lack of ability to comply with OFT guidelines, and dodgy business practices. :D

 

I've a feeling she's going to be even busier when the OFT and FOS get to hear about what Moorcroft have been up to.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Just thought I'd let you know I'm around 5 hrs behind and around 5000 miles away from you.

 

As it's heading through 35 degrees, I suppose I better get another beer.

 

This would be even more fun if I was on holiday.

 

David

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From this day forward I wish it to be known that Mr F Bobble is now a full fledged Platimum account holder. .

 

 

Congratulations - Sending you a rep to celebrate with

 

As you are now so rich with platinum I suggest you start despatching the bulk load of keyboards you have purchased

Starting with BabyBear :lol:

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Congratulations - Sending you a rep to celebrate with

 

As you are now so rich with platinum I suggest you start despatching the bulk load of keyboards you have purchased

Starting with BabyBear :lol:

 

Got to get my Celica fixed first. Got probs with the Fuel injection system,and a dent in the back wheel arch due to me and the neighbours van wanting to park in the same place at the same time. :mad:

So, I think I'll be kissing about £600 goodbye in total.

Oh well, I'll just use the money Moorcroft are never going to see. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Oh well, I'll just use the money Moorcroft are never going to see. ;)

 

That could be the new FB currency

Moorcroft Muppets Money :D

 

Edit

Sorry FB I could not give you the congrats rep

I was told to spread myself around

But geeesh - I am not that kind of girl

Edited by vincentfan
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I know VF i was given the same message. Discrassful.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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VERY. lol.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks for the rep FB:D It's I that should send you some and most of you others 'cos once again I'm sitting here feeling low and once again after reading the last 3 pages to catch up, I've tears down my cheeks with laughter again........ 11/10 to you all:)

 

This is almost worth being in debt for:confused:

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I haven't had a phone call from any DCA for ages. I am most disappointed. I am desperate to try some lines on some of them. I just wish I could take CFS to small claims for the invoices I sent them, now that would make me laugh.

  • Haha 1

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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I read the thread and posted my experiences with using that letter template. It's a goodie. It's a CurlyBen special. That guy has a brilliant way with words when it comes to DCA letters. :D

 

:) thanks FB :)

 

I sent it to their offices in Scotland and added on the bottom 'if there is anything in this letter you do not understand please consult a solicitor qualified in ENGLISH law' !!!!!!!!!!!

 

Hee hee. I can just see them reading it and steam coming from their ears and then from the threat-o-matic machine as it struggles to answer that letter... anyone needing anything powered by steam get urself down to Debt Manager's offices as there will be plenty of it once they read that letter :)

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THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Hi Junior,

 

I'm already a few steps ahead of you - and I joined after you ... :D

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hey they've done a TV ad all about me.

 

"Knock off Nigel who downloads knock off films."

 

That's me and damn well proud of it too. Just a shame they don't mention that there's no films or music these days that's worth paying their rip off prices for.

 

I feel ripped off having to use my bandwith downloading a film that usally turn out to be total sticky brown stuff.

 

Can I ask for a refund?

 

Most shops give you a refund if you're not happy with your purchase. Not the movie and music industry. I wonder why?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Thanks BB :D

 

And also to TGM and whoever else gave me rep - thank you :D

 

Ooh yeah, and I have more grovelling from Lowell... a letter confirming my increased payments, and on the bottom.....

 

'May I take this opportunity to thank you for your diligence in paying!!!'

 

Dear me. :D Whats next??? *Looks down to see Lowell monkey grovelling on floor* you can clean the carpet while ur down there, it could do with a bit of a hoover :lol:

Edited by Mrs_Ryan

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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I spose I'm an ole' bag then :p

 

... with a lot of wisdom and experience.:)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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