Jump to content


  • Tweets

  • Posts

    • Hi there. an update for you   1) independent surveyor report was sent to builder on 13 Dec.   2) builder only responded yesterday. They dispute the majority of the issues identified. Claiming for example: that we have influenced the expert witness surveyor, that we have caused some of the issues by undoing work, that that the surveyor is wrong,    3) through trading standards we gave them the month of nov to finish plus put things (known) right, at no point did they say a month was unreasonable, they were onsite for less than 10 days of nov,  early nov building control initially visited and highlighted issues, they claim building control have now signed off their work at the end of nov   4) building control visited last week at my request, there are still issues with their work, it has not been signed off and never was at the end of nov    4) builder now says there they didn’t have time to put known things right in nov (they are always contradicting themselves) and that they should be allowed to return to site  to fix these ‘minor snags’, the majority are not minor snags, they are building regulation contraventions    5) we have quotes from 3rd parties to do the work. We do not want the original builders back because:    a)quality of their workmanship has been called into question by ourselves, building control and a 3rd party surveyor    b) lack of trust in what they tell us - for example they’ve deviated from the plan, used different materials, refused to fix items saying nothing wrong and it’s how they always do it, refused to give deadlines, knowingly cut corners, have said work is signed off when it isn’t etc    c) their behaviour:  smoking weed on site, urinating next to my garden office, swearing, smoking, leaving the house with doors wide open and unlocked, leaving site unsafe with scaffold boards & materials lying across/over paths at end of day/week, all these things were raised with them verbally & in emails    d) they repeatedly said they hate working for us, they can’t wait to leave, none of them enjoy coming here etc   so, my question is.. do we have to allow them to return or can we say that we want a refund or for them to cover 3rd party costs?    im feeling that they have had enough opportunities to do the right thing and put things right, I’m also feeling that we aren’t being unreasonable by not wanting them back..   they say they can’t understand why we are rushing to get 3rd parties to finish the job and that the job is ‘live ‘ with them.   my feeling is that this job should have been finished in July (at no point have they provided a revised completion date despite us asking numerous times), they were given nov to finish & go, we’ve not heard from them over past 2 months so how could it still be live, and that we’ve spent 2 cold months living in a half finished house which doesn’t have heating completed, is damp & draughty, Ofcourse we want to get it finished asap! Any input would be appreciated, thank you.
    • Well, quite a change in stance from the Met after Johnson delays it   From 'We are fine with the report being released in its entirety, to effectively 'don't mention the bad stuff - which is as we first expected from Johnson and Dick before the surprising 'yeah release it'     Met Police asked Sue Gray to remove key details from report WWW.INDEPENDENT.CO.UK Force is running parallel criminal probe into potential lawbreaking at Downing Street     Wonder what self destroying message personal phones that was arranged on?
    • I were recently in an accident with another vehicle earlier this month and swapped details of both myself and the owner of the garage etc no police were contacted and both able to return as normal.   After contacting the garage they then inform me later on, in the day they required my own insurance to cover the cost only to be a named driver on the one being repaired and informed them of this.   I then requested they come collect the vehicle in which they did days later.   Didn't hear much more until recently with the owner of the garage contacting in abit of a panic for insurance details again and explained once more being a named driver on the policy, His insurance has received a '3rd party allegation' in which the garage owner has passed my details on for being the driver.   I and others have used this person for years and when we first used him I would ask him verbally how come we can swap vehicles and he informed me he had business insurance to cover anyone whilst their vehicle gets repaired and this is clearly a lie.   I did get some legal advice and one of them were to wait for a Notice of Intended Prosecution but i am concerned the owner might not be telling the truth to their own insurance or not telling them what happened??   Should I hand myself in the police and tell them the garage isn't being honest?   Any help or experience/expertises would be greatly appreciated.        
    • Tyne Tunnel rescinds 11,000 toll non-payment fines WWW.BBC.CO.UK Norris Atthey said he would "not be bullied", as new figures show 43% are successfully appealed.  
  • Recommended Topics

  • Our picks

  • Recommended Topics

need some help with capital one


beckie1984
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5632 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi becky l am just starting a letter S.A.R. for capitol on can you help me with the wording please

 

this is the first letter you need to sent:

 

 

icon1.gif Letter - Preliminary approach for repayment.

[your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

 

 

 

 

 

 

Yours faithfully,

 

 

 

 

 

[name]

 

Red - only include if necessary

 

DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...