Jump to content


  • Tweets

  • Posts

    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Need advice as now confused with these halifax bods


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5589 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 everyone

 

i will try and explain briefly

 

sent away a sar for my hubby recevied back lots of stuff including a bad copy and paste job of a loan agreement

 

sent a letter back asking for a copy which was readable recevied back the exact same today

 

now the argument is the agreement has a line of figures which dont match up to the colums and the agreement has a different amount of money to which my husband took out but the application form has the correct amount

 

what letter do i send to these people do i point out that the agreement is rubbish as that amount of money was never taken out as a loan?

 

thanks for your help

 

Sarah

Link to post
Share on other sites

hiya pinky

 

just wanted to say hiya unfortunately dont have any experience with loans as such, my initial thoughts are as you are saying different amounts to what was taken out ie the figures, do you have any paperwork ie bank statements where initial loan was credited to?

 

also have you asked for all your info via the sar?

 

im sure others will come along soon to help you

 

just wanted to give you a little support there are other things im sure you can do or someone else will direct you to

 

keep positive laters angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites

Hi Angel

 

yes ive sar and cca them

 

i will look thru the sar and see what amout was credited when he took the loan out , looking further into it it looks like the extra was for insurance not sure how that works!!

 

they have tried to back it up with a statement with figures of the same amount as the copy paste job

 

Sarah

Link to post
Share on other sites

Hi Sarah,

 

did you have PPI on the loan and if so was it suitable for your circumstances?

 

Can't read what they purport to be an agreement (shouldn't think anyone can;)), can you make out anything that relates to separate info for PPI (if applicable) or was the loan part consolidation of another loan?

 

Not being nosy - these could be relevant points that will give you additional ammo on top of the illegibility issue.:)

Link to post
Share on other sites

Hi underdog

 

i asked my husband and hes not sure if he took out ppi just went thu all the sar stuff and the letter that went with it says they havent got copies of his bank account yet so i cant check how much went in when he got the loan.

 

i dont mind you being nosey ask away

 

im just going to send them a letter stating the agreement is unreadable and see what delights they come up with next

Link to post
Share on other sites

:eek: really not being nosy, honest:D Questions were just to establish whether you could hit them with a few other errors on their part:)

 

Yep, tell them their agreement was illegible and therefore they are in default of your s77 request.

 

Will be subbing your thread and will offer any help I can - best of luck with it:)

Link to post
Share on other sites

Thankyou its always nice to have a bit of support

 

my husband gets a bit worried that we will lose the house etc even tho we pay priorty debts and theres no equity in the house

 

i know their just blaggers hence why they would rather phone then write

Link to post
Share on other sites

Please try not to worry - easier said than done, I know. A few months ago I was in the same state you are in now (I think most of us were when we first found this forum), but the more you learn about your rights, the more your worries will ease.

 

Chin up - don't let the barstewards grind you down;)

Link to post
Share on other sites

hiya pinky and hiya underdog, keep missing you on some of my threads,lol

 

anyway hope you are both well

 

 

yes its true about getting to feel better once you get to know your rights a bit more

 

other thing i wanted to ask - so they never sent any statements proving the amount of the loan in the sars? surely if they havent provided you with the info by day 40, you can check out the info commiss office another way to show you are missing vital information - just my own thoughts, laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...