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    • As you are the renter of the garage, you have a direct right to sue the person who erected the bar in the tort of nuisance. Very straightforward and you can do it as a small claim by suing for the return of your money and a small amount of damages - say £100.   We can help you.   Get together with the other people affected and do it together.   Normally you would want an order from the court that he stops the nuisance.  This would be a more complicated procedure - but if you win your small claim action is is scarcely imaginable that he will continue.   Nuisance is the wrongful interference with the enjoyment of land and as long as you have a legitimate interest in the land then any interference with that could be a nuisance. You are renter and he has interfered with your access to it
    • Is this a lock up in a block behind houses, and the path is just wide enough vor vehicles to access. ?  If the HA could be bothered they should be the initial contasct as per DX, its up to them to tolchock tne other renter if there is no permission to restrict access.
    • Get the statement which you have been offered.  It will be extremely important to your case.   I would suggest that you write to him and tell him that only a full refund will be acceptable and that you are extending your deadline by a further 5 days after which you will issue the claim without further discussion.   I agree that you are in a bind about needing a car etc.   If you fell that you would be better served by getting it repaired and suing for those costs then that is certainly an option.  In that case get 2 quotes for the work and send then to him and tell him that you are going to put the work in hand in 5 days and that you will be suing him for the cost.   However, don't forget that you will still be saddled with the vehicle and if there are further problems in the future you will still be faced with the same issues with this dealer.   You would be much better off making a clean break and suing for the refund.   Whatever, get the statement - post a copy here.    
    • So you're telling me you wouldn't rule it out but agreeing with others it's true without qualification. Hardly objective.   There is no evidence it's true and not even Labour are suggesting it. Like I say, opinions are fine but they are worthless unlesss they have at least some factual basis.   Germany put Spain on their quarentine list yesterday, are you blaming that on Brexiteers too?
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
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toasted

Toasted v A & L

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New to the site. Thanks for the info on this site, very useful. I was not made aware of the oft test case by the financial ombudsman last week when i complained. A and L have placed a default on my credit file for non payment of fees made up entirely of bank charges imposed on a dormant account . I have given them until monday to remove it or face court proceedings. Will keep you posted.

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Hello and Welcome, Toasted.

 

I'll move your post and mine to start a new thread for you in the A&L Forum.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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spoke to A&L this morning. They will not lift the default notice on my credit file despite the 'debt' being made up entirely of back charges. I have requested my data from them on the phone. Should i make this request by letter so i can prove it. They conveniently dont have an email.... My question is, i am ready to make an application to the court but will the courts make them remove the default until the test case is resolved? The banks have achieved a stay on claims, will the courts confer the same benefit to account holders who want a stay on defaults?

Otherwise there doesnt seem much point in applying.

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Forgot to say, they account has been closed by A&L and the 'Debts" written off. They wont even give me the opportunity to pay the disputed charges to clear the default (obviously on a without prejudice basis) Experian have registered a 'disputed 'note to the entry, should i still write and put them on notice.?

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I thought i would update you all. I am in communication with experian regarding their dissemination of wrong information on my credit file. it seems that section 13(6) of the banking code does not apply to non default marks. My file is marked with 3+ late payment mark. However, as my late payments were in excess of 6 months, according to the information commisioners guidance, it must be marked as a default rather than a non default. its back with Experian for their further consideration..... I am cautiously optimistic...

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Keep us posted, good luck.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

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It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

 

How?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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hi, do you have a non default mark against your credit file? how many months missed payments do you have?

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hi, do you have a non default mark against your credit file? how many months missed payments do you have?

 

0 and 0, but it was a strange comment to make that is why I asked the question how.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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because i have done a lot of research on non default marks against credit files which i can pass on to others in this situation. Not so strange perhaps.

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because i have done a lot of research on non default marks against credit files which i can pass on to others in this situation. Not so strange perhaps.

OK, cool, can you post it up?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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yes, but to just identify sources does not really help much when circumstances vary so much. Mainly from the Banking code - guidance for subscribers and cross referencing to the Information Commisioner's guidance, particularly with reference to what constitutes a 'default'.

 

Happy to help anyone who might need specific info for their case.

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SUCCESS! A and L have backed down and removed the three late payment markers following the service of my amended particulars of claim. They did this the day before their defence was due. My credit rating is now restored to its former glory.

 

I obtained a lot of help and advice from this site and will be making a donation.

 

Thanks to everyone.

 

Toasty

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