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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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Will scan it up tomoz. Thanks again.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Royal mail 1st.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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I don't think there's anything stopping data being given to a DCA before a DN is issued. Even more so if an in house DCA. Their concept is if they can get their funds back then the DN would not be issued, however it's only data entry to show a DN on a CRA. In the same way often you might see a default of zero on a CRA after a DN is issued however that does not mean the debt is clear and you are doomed for 6 years unless you contest it.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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Royal mail 1st.

 

i think you will find it very difficult to argue as to date of service if they swear an affidavit as to the method of postage,

 

although you may well have received a first class letter 4 days later- the judge will take the view "well he would say that- wouldnt he)

 

what i would do now is get a SAR off PDQ to see if that gives the lie to their date of posting

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I have a repossession hearing coming up, in their POC the freely admit they are relying on a DN that gives '12 days from date of service' Here is the thread

 

http://www.consumeractiongroup.co.uk/forum/repossessions/177130-repo-order-help-defence.html

 

Would appreciate any guidance as how to go about a defence based on this.

 

Thanks

 

Cosalt

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i think you will find it very difficult to argue as to date of service if they swear an affidavit as to the method of postage,

 

although you may well have received a first class letter 4 days later- the judge will take the view "well he would say that- wouldnt he)

 

what i would do now is get a SAR off PDQ to see if that gives the lie to their date of posting

 

A long story short. I have a DN that is out by 1 day, and is missing prescribed text. An SAR was requested on 25/09/09. It did not show. It was requested on 14/01/10. Thats a total of 23 weeks. That has not materialised either.:-D I go to court on 17th of this month to defend a charging order. What should I do?

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i think you will find it very difficult to argue as to date of service if they swear an affidavit as to the method of postage,

 

although you may well have received a first class letter 4 days later- the judge will take the view "well he would say that- wouldnt he)

 

what i would do now is get a SAR off PDQ to see if that gives the lie to their date of posting

 

 

Hi DD. I have scanned and hopefully posted copies of the agreements supplied and DN's issued by both Barclaycard and HSBC. Really grateful for any advice.

Barclaycard - Agreement.pdf

Barclaycard - DN pg 1.pdf

Barclaycard - DN pg 2.pdf

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Share on other sites

i think you will find it very difficult to argue as to date of service if they swear an affidavit as to the method of postage,

 

although you may well have received a first class letter 4 days later- the judge will take the view "well he would say that- wouldnt he)

 

what i would do now is get a SAR off PDQ to see if that gives the lie to their date of posting

 

And the others.

HSBC - Agreement.pdf

HSBC - DN pg 1.pdf

HSBC - DN pg 2.pdf

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Share on other sites

A long story short. I have a DN that is out by 1 day, and is missing prescribed text. An SAR was requested on 25/09/09. It did not show. It was requested on 14/01/10. Thats a total of 23 weeks. That has not materialised either.:-D I go to court on 17th of this month to defend a charging order. What should I do?

 

Might be a good idea to chase it up again, did they cash the £10 cheque?

 

I'm not sure how successful you will currently be with the DN issue as looking at other cases on the forum, judge's seem to side more and more with the claimant on this issue - especially if it is only one day out and despite the fact that is has missing prescribed text.

 

That shouldn't be the case of course, but unfortunately, you have to be aware of how biased these judges can be.

 

Magda

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Royal mail 1st.

have a look on this thread:http://www.consumeractiongroup.co.uk/forum/legal-issues/191784-shakespeare62-nastybank.html

Post 749 onwards for dates/timing info

T

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Cheers for that

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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I have a repossession hearing coming up, in their POC the freely admit they are relying on a DN that gives '12 days from date of service' Here is the thread

 

http://www.consumeractiongroup.co.uk/forum/repossessions/177130-repo-order-help-defence.html

 

Would appreciate any guidance as how to go about a defence based on this.

 

Thanks

 

Cosalt

 

i think there may be a conflict here with the regs and DN if this is a secured loan- hopefully one of the legal bods will confirm- i dont think they need the DN if the loan is secured

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i think there may be a conflict here with the regs and DN if this is a secured loan- hopefully one of the legal bods will confirm- i dont think they need the DN if the loan is secured

 

 

Hi dd, its a HP agreement covered by the CCA, I am 99% sure a DN still applies ?

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Hi DD. Would you mind looking at my post 1667 - this a DN and agreement for Barclaycard. Thanks.

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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Share on other sites

the DN is WELL short on time , evenb if posted first class and missing important prescribed text so it matters not whether they prove method of posting in this case

 

RE: HSBC - DN - what prescribed text is missing? Should I now write accepting their termination (p 2 of DN says they will terminate without further notice)?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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i admit to my knowledge being a bit sparse here as i have not had the need to check it out- but i was under the impression that cca regulated unsecured lending not secured lending

 

I and hundreds of others on cag hope you are wrong on this point !!

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Hi DD. Would you mind looking at my post 1667 - this a DN and agreement for Barclaycard. Thanks.

DD has repplied Br.....ce.

 

The Dn could never be complient, only allowing 14 days from the date of the letter. Surpriced that they have not altered this by now.

 

Agreement does not contain the prescribed terms, unless these were reconstructed and sent separately, in which case they have probably complied with s78

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DD has repplied Br.....ce.

 

The Dn could never be complient, only allowing 14 days from the date of the letter. Surpriced that they have not altered this by now.

 

Agreement does not contain the prescribed terms, unless these were reconstructed and sent separately, in which case they have probably complied with s78

 

Hi Vint. When you replied were you talking about Barclaycard or HSBC?

 

I posted up 2 DN's and 2 agreements (1 Barclaycard & 1 HSBC). I thought the BCard DN gave sufficient time (17 days I think and was sent 1st Class). The HSBC DN gave no allowance for service so I thought that one was defective. Today is the last day for remedy and they say they will terminate without further notice. Can I take them at their word and accept termination?

 

Neither HSBC or BCard attempted to reconstruct the agreement. Do you think they are enforceable?

Brooooooooooooooooooooooooooooooooooooooce's success's so far:

 

Capital One - 15% f & f saving £4,250

Barclaycard - 25% f & f saving £12,000

Blackhorse - reduced loan settlement saving £1,605

Cahoot - 15% f & f saving £2,740

MBNA - 20% f & f saving £26,800

Lloyds TSB 28% f & f saving £7,377

 

Total written off to date: £54,772!!!!!!!!!!!!!!

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