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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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Default notice question - Is it defective


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Could someone please tell me if this Default notice is defective. It has a date to remedy but no date is shown for when it was written.

MonuDN.jpg

 

Also a copy of the credit agreement which I would say has no prescribed terms.

 

Monu.jpg

 

All advice welcomed.

 

Markd55

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I agree, how can the 14 clear days be calculated when no date of service is enclosed, also it it not set out in the required format.

 

If should include the following in the exact same format;

 

"IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH

 

Also the notice fails to set out the statement as set out below

 

"IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU [OR A SURETY]"

 

Yours doesn't, so tis could also render it invalid, as could the inclusion of any penalty charges in the amount being claimed.

The so called agreement is crap, is an application form with no required terms

 

 

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Hi there,

 

I am always staggered by how the 'professionals' mess these things up.

 

As I understand it they must also quote the figure so You must pay £289.00 by XXXXX date

 

The important thing is dont do anything yet - do not rush off a nah de nah letter as if they terminate they can only then claim the arrears figure not the balance unless they are the same of course. I am in this happy situation with one of my 'debts'

 

GK

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this is amazing how many companies get the DN wrong and then not learn by there errors can anyone give a reason for this as its so unbeleivable

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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I keep reading about the only able to claim the arrears if account terminated, but no-one seems to be able to point me into either legislation or case law that confirms this. Any chance anyone posting on this thread can?

 

Thanks

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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I keep reading about the only able to claim the arrears if account terminated, but no-one seems to be able to point me into either legislation or case law that confirms this. Any chance anyone posting on this thread can?

 

 

Can't help you I'm afraid, however I am intrested in the info too.

 

David

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I am always staggered by how the 'professionals' mess these things up.

 

Beats me!

 

The Act came in '74, yet that agreement was produced 26 years later. You would have thought they would have got their act together by then.

 

David

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ABC refute the notion the DN was ineffective, alternatively that if it was ineffective, it was ineffective to terminate the agreement also, therefore enabling them to serve a second DN.

 

 

:lol::lol::lol: Desperation!!!

 

Also total hogwash and easily disposed of - as in fact it was.

 

David

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struggling to understand why a creditor can only claim the arrears as listed on DN :(

I have the CCA1974 s87 up in another window, but still cant see why, help pleeaase before i jump out of the window.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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Keep reading - it gets better!

 

 

See what you mean, it's a cracking thread!

 

Skimmed it and wound up saving the whole thing.

 

David

 

PS - Pretty sure I have Restons coming over the horizon soon - will come in very handy.

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