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    • No this is (£387.12 for Rubble) not (£8387.12 ) Repairs is £8000.00 and £5190.00 for unfinished work
    • The figures now match, so as far as I'm concerned that's that.   If there is duplication then that's the OP's look out, there has been nearly a year to make simple lists of costs.   I think "the three of us" should have a last read through.   It's up to Simeon to make sure the references to the exhibits are accurate, they certainly weren't accurate in the version I've just edited, in fact they were contradictory, but that's up to him.   If the "three of us" don't see any obvious errors then the document is good to go tomorrow morning (not as the last minute).
    • We might, finally, be there -   Particulars of Counterclaim   1.      The original Claimant agreed to undertake building work (Project 1) at the original Defendant/now Part 20 Counterclaimant’s property in relation to 3 specific areas of work for an agreed price of £4300.  The work was:   a. To underpin the bay window at the property, b. To replace and repair a previously-removed chimney breast and, c. To install a new beam to the patio door.   2.      It was agreed that Project 1 was to be carried out under the instructions of a structural engineer engaged by the Defendant/Part 20 Counterclaimant and that the Claimant’s work would be as a result of instructions received following the structural engineer's assessment of the property.   3.      Between June and July in 2020 the Defendant/Part 20 Counterclaimant provided the Claimant with a full copy of the structural engineer's report which detailed instructions to the Claimant for the works to be carried out.   4.      It was agreed between the parties that the works would commence on 13 August 2020.   5.      It was agreed between the parties that payments for Project 1 would be made in three instalments. The first payment would be made at the start of the Claimant's work. The second payment would be paid at the halfway point of the Claimant's work. The final payment would be made on completion of the total works.   6.      The Claimant commenced work on 13 August 2020 and the first instalment due was paid.     7.      On 24 August 2020 the Claimant asked the Defendant/Part 20 Counterclaimant to arrange an inspection of his work by the Building Control Inspector.  The Claimant also stated that Project 1 was approaching mid-way and the Defendant/Part 20 Counterclaimant paid the second instalment due.   8.      The Building Inspector arrived to inspect the Claimant’s work but the Claimant was absent.  The Inspector was obviously very displeased by the standard of the Claimant's work.  The Inspector spoke to the Claimant by telephone, asking him why he was absent and interrogating him about the work he had done.  The Inspector then gave him some instructions over the telephone and also left a list of instructions with the Defendant/Part 20 Counterclaimant to be passed on to the builder.  The Building Inspector then said he would be getting in touch with the Defendant/Part 20 Counterclaimant’s structural engineer with his findings and the Defendant/Part 20 Counterclaimant should hear from the engineer soon.   9.      The Defendant/Part 20 Counterclaimant passed on the Building Inspector’s instructions to the Claimant who agreed to follow them.   10.    The structural engineer visited and recommended piling to complete the underpinning for Project 1.  The Claimant explained that he could not undertake this work. The structural engineer then suggested an alternative company to the Defendant/Part 20 Counterclaimant to do the necessary work and this company was engaged by the Defendant/Part 20 Counterclaimant to complete the necessary piling at an additional cost to the Defendant/Part 20 Counterclaimant of £3000 (see receipt, Exhibit 1).   11.    The Claimant asked if the Defendant/Part 20 Counterclaimant needed any more work to be done and, despite the problems encountered on Project 1, the Defendant/Part 20 Counterclaimant agreed on 7 September 2020 to have more work done (Project 2) at an agreed price of £2580 and on similar payment terms to Project 1.   12.  As work commenced on Project 2 and was continued on the remaining work for Project 1, the Defendant/Part 20 Counterclaimant had occasion to make several complaints to the Claimant regarding the standard of his work.   13.   Barely a week after starting on Project 2, the Claimant demanded payment for that work.  After a period of negotiation the Defendant/Part 20 Counterclaimant paid the Claimant £1500 in cash.  Both parties agreed that this left a balance outstanding on Project 2 of £1080.   14.  It later came to the Defendant/Part 20 Counterclaimant’s attention that the Claimant had removed material (including a steel beam) from the Defendant/Part 20 Counterclaimant’s property that the Defendant/Part 20 Counterclaimant suspected either belonged to him or had been paid for by him in connection with Project 1.  When the Claimant challenged the Defendant he admitted he had done this.  The Defendant/Part 20 Counterclaimant has included the value of this material in his counterclaim detailed below.   15.    On 21 September 2020 the Defendant/Part 20 Counterclaimant highlighted and sent a snagging list to the Claimant (Exhibit 2).  Over a month later the Claimant sent an employee to attend to this work.  It was not carried out satisfactorily and resulted in an updated snagging list being sent to the claimant (Exhibit 3).  All of this snagging work remains undone by the Claimant.   16.  Apart from the outstanding snagging work referred to in para 16 above, the Claimant also left other work from Projects 1 and 2 uncompleted.  That work which was not completed is listed in Exhibit 4.   17.  During the course of carrying out work on Projects 1 and 2 the Claimant also negligently caused substantial damage to the Defendant/Part 20 Counterclaimant’s property (as itemised in Exhibit 5) by not executing the work with the skill expected of a reasonable tradesman.   18.  The Defendant/Part 20 Counterclaimant seeks an order from the court directing the Claimant to pay to the Defendant/Part 20 Counterclaimant the sum of £16,577.12 in respect of:   (a)   the cost of the piling referred to in para 10 above which the Claimant could not undertake and another contractor had to be paid to complete, £3,000.00, Exhibit 1; (b)   the cost of completing work the Claimant had left undone from Projects 1 and 2 referred to in paras 15 & 16 above, £5,190.00, Exhibits 2 & 3 & 4; (c)   the cost of remedial work to put right the damage negligently caused by the Claimant and referred to in para 17 above, £8387.12, Exhibit 5; (d)  the cost of the steel beam referred to in para 14 above.  This has not yet been costed.   19. In addition to the amount in paragraph 18 above, the Defendant/Part 20 Counterclaimant also claims 8% interest under the County Courts Act 1984 from 26 October 2020 which was the last day the builder or one of his colleagues worked at the property     STATEMENT OF TRUTH   I believe that the facts stated in this particulars of counterclaim are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
    • So do you have psychic powers or are you merely Britain's foremost forensic accounting expert?  Or maybe you're a dentist...   Either way, I'm impressed by anyone who has made any sense of what simeon has posted today.  (And yesterday... and the day before... and the day before that...)
    • [Edit - I see I've cross-posted so hopefully this post of mine is NOT required and can be ignored.  Unless FTMDave thinks it might help]     Christ.   Looking back I see that I introduced paras 16 - 18 back in #95 (I think?) four days ago.  The purpose of those paragraphs was to give some basis to, and explanation of, the figure of £16577 that simeon was claiming, because all he had at that stage was "I'm claiming £16577" but no explanation why.   Because simeon has the intensely annoying habit of repeatedly posting things (like receipts, estimates and reports) with no explanation of why he was posting them or what they are, I've looked at them all and tried to break them down into 18(a) - (d) to make sense of them.  Despite my asking him on several occasions whether any of the posts he kept on making included any duplication of estimated costs, it would now appear that some of the figures are in fact duplicated.  Hence the sum of 18 (a) - (d) exceeds the total amount claimed...  😲 😬 ☹️   Why simeon could not have pointed out that he did not understand the purpose of para 18 (a) - (d) before now (I posted it four days ago) I simply cannot understand, but having looked back over this thread, I'm not certain that simeon has actually understood anything at all that we've been trying to tell him.   And that can't just be down to having poor English I'm afraid...   =============================================================================================================   I'm wondering if Simeon should drop the breakdown of para 18 into four sub-paragraphs and simply say something like this:     "18.  The Defendant/Part 20 Counterclaimant seeks an order from the court directing the Claimant to pay to the Defendant/Part 20 Counterclaimant the sum of £16,577.12 in respect of the costs listed at [simeon - you then add the Exhibit or exhibits where the lists of costs and/or estimates  totalling £16577 can be found, and then delete (a) - (d) as suggested below[   (a)   the cost of the piling referred to in para 10 above which the Claimant could not undertake and another contractor had to be paid to complete is  £3,000 – Exhibit 1 (b)   the cost of completing work the Claimant had left undone from Projects 1 and 2 referred to in para 16 above, £16,577.12 – Exhibit 5 (c)   the cost of remedial work to put right the damage negligently caused by the Claimant and referred to in para 17 above;  £8577,12 – Exhibit 6 (d)  the cost of the steel beam referred to in para 14 above put down as estimated.  TBA 4 and 5   19. In addition to the amount in paragraph 18 above, the defendant/Part 20 counterclaimant also claims 8% interest under the County Courts Act 1984 from the 26 October 2020 which was the last day of his employee left the property"        STATEMENT OF TRUTH   I believe that the facts stated in this particulars of counterclaim are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.’.   The above is just an idea to get round the fact we can't get (a) + (b) + (c) + (d) to add up to £16577.   It's just an idea at this stage......  
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ratio money


bainmarie
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The second solicitor has now come back saying that the agreement looks enforceable, so £295 wasted. I wonder if I can claim this back from Ratio as they said that this fee is refundable if agreement found to be enforceable.

 

socleirigh

Regards

socleirigh

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we had some 7 agreements audited in decemeber 2008 and were told they were unenforceable. 2 are still waiting to go to a solicitor and when i have rung up about this they are very rude. So i wrote to them 4 times to get a reply that they would be with a solicitor am still awaiting this (3 months)

 

have just received a letter from a solicitor saying that another agreement is now not worth going ahead with although it has been with them a year. This was then reallocated by Ratio to Mckay solicitors. Have not returned the paperwork as we have lost all confidence. We gave ratio money in good faith at what was and still is a difficult time for us. Thought we could get a refund . Has anyone been successful with getting money back??? we feel really stupid

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I will be requesting a refund, as I too was advised that the fee was refundable if the claim did not proceed, although I won't be holding my breath waiting on it. Looks likw we have been ripped off. I had another three agreements audited by Clear Your Finance and have been trying to contact them to get £900 refunded, but no answer on the phone. Always get "user busy" message, even at 11.00pm!

 

Kind Regards

socleirigh

Regards

socleirigh

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I recomend to keep chasing them I am about to hear this week on my MBNA claim I strongly suspect the solicitors will bounce it saying it is compliant. I also have another claim that has gone quiet Im at the point of going nuclear with these clowns and I will report them to the Ministry of Justice.

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I too feel that I have been misled by Ratio Money.

 

So much for their comments in the taped message "just sit back and let RM sort your claim keeping you informed every step of the way."

 

Ratio Money have never heard of the terms 'customer support, cummunication' or 'complaints department'. Although I am a relatively new customer with them (August 2009) I am already totally disappointed with RM and wish I had just paid the £295.00 to NatWest. Prior to contacting RM I had pursued my complaint directly to NatWest Card Services who could not send a legible copy of my original credit card agreement application to me and could not provide anything relating to contract terms (from 15 years ago) I was getting no further with NatWest. However here we are six months later and with RM I find I am still no further forward. I should have just takem my initial results to the Insurance Ombudsman.

 

Three weeks ago I emailed a complaint to RM relating to unsatisfactory service, NO reply yet.

 

Any one with thoughts?

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Help HELP HELP please!

 

We initially contact Debt Doctor last year after hearing about their service on the radio (interview)! After a visit by Mark O'Connor who took a statement of all the details! A follow up call was made by a female working for Claims Warehouse, a further full statement was given, we paid our money and then nothing for almost a year - following almost weekly emails for an update we finally received a letter from Claims Warehouse asking us to sign over the 'case' to them - a shock as we though we were being managed by them! It turns out our file has been managed by Ratio Money! Still heard nothing for months, then out out of the blue a telephone call from Ratio Money saying that what Claims Warehouse had done was illegal as they were already handling our case!

 

Interesting because I kept asking for the name of the solicitor who had been allocated our file from both agents- NOTHING - I am now worried as the recovery agent (Paragon Finance) has now issued a CCJ ---

Anyone else out there having problems with these 2 agencies! I need to make quick choices now what to do! We contest the loan agreement! It is as far as we know unlawful (being over 12 years old now with no resolution) the amount has shot up from an original loan of £5,000 which had almost been paid to over £21,000 following 'daily interest charges' which we had no information about, no notice of, no agreement to - Anyone else out there having similar issues! Please contact us.

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RatioMoney have McKay Law in touch with me re. one of the two credit card agreements and ML have written to tell me that a barrister has been instructed to have a look at the agreement and will report back. This may not be helpful but shows that they are actrive..................

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Help HELP HELP please!

 

We initially contact Debt Doctor last year after hearing about their service on the radio (interview)! After a visit by Mark O'Connor who took a statement of all the details! A follow up call was made by a female working for Claims Warehouse, a further full statement was given, we paid our money and then nothing for almost a year - following almost weekly emails for an update we finally received a letter from Claims Warehouse asking us to sign over the 'case' to them - a shock as we though we were being managed by them! It turns out our file has been managed by Ratio Money! Still heard nothing for months, then out out of the blue a telephone call from Ratio Money saying that what Claims Warehouse had done was illegal as they were already handling our case!

 

Interesting because I kept asking for the name of the solicitor who had been allocated our file from both agents- NOTHING - I am now worried as the recovery agent (Paragon Finance) has now issued a CCJ ---

Anyone else out there having problems with these 2 agencies! I need to make quick choices now what to do! We contest the loan agreement! It is as far as we know unlawful (being over 12 years old now with no resolution) the amount has shot up from an original loan of £5,000 which had almost been paid to over £21,000 following 'daily interest charges' which we had no information about, no notice of, no agreement to - Anyone else out there having similar issues! Please contact us.

 

Has Paragon Finance actually obtained a CCJ, or have they just issued proceedings. If they have already obtained a CCJ, they should have produced the agreement in court. If it hasn't got to court yet, you can use valuable support on this site to defend a claim where the claimant does not have a bone fide agreement.

Regards

socleirigh

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I thought I'd give Ratio Money a try, so I could exact a bit of revenge on the bank for some awful customer service when I was ill. So far my experiences mirror most of the folks on here, poor communication and very little progress other than cases being passed around from solicitor to solicitor.

 

I've long given up on actually making any progress. What I'm concerned about now is not being landed with any legal bills.

 

I've been told by Ratio that both of my claims look to be non compliant. One has been passed to solicitors, the other is due to be passed to solicitors. Am I correct in thinking that assuming the solicitors confirm there's a claim, that the next step would be to sign some sort of agreement with that solicitor?

 

If I pulled the plug now without signing anything, would I likely have anything further to pay?

 

Not sure what to do yet, I simply don't want to find myself with a huge bill for a punt which looks (so far) to have been unsuccessful.

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I would suggest you contact Paul Walton for help. Here is a thread that may be of interest.

 

www.consumeractiongroup.co.uk/forum/general-debt-issues/11427-walton-rbos

 

 

thank you I will contact Paul Walton this morning to see if there is any way he can help, we have to reply to the CCJ notice by Friday (next week).

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If you start a thread in the legal forum Legal Issues - The Consumer Forums there are people there who'll help.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Has Paragon Finance actually obtained a CCJ, or have they just issued proceedings. If they have already obtained a CCJ, they should have produced the agreement in court. If it hasn't got to court yet, you can use valuable support on this site to defend a claim where the claimant does not have a bone fide agreement.

 

Hi the case has not gone to court yet, we have to return the CCJ documents by next Firday! Were getting desperate now as no one seems to be able to help us!

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They'll explain how to fill in the court forms etc. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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OMG just spoken to Ratio Money having waited for 35 minutes for the call to be answered to be informed our claim has only just gone to the adjudicator - BLACK NIGHT ASSOCIATES - to be informed that only one company can look at our claim - not sure who it is, claims warehouse, or ratio money, Black Night won't speak to me being a client (what kind of business is this)!

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Black Night Associates are in fact Loancheck see; Loancheck.co.uk

Whois Information For Loancheck.co.uk

Domain name:

loancheck.co.uk

 

Registrant:

Black Knight Associates Ltd

 

Registrant type:

UK Limited Company, (Company number: 6909371)

 

Registrant's address:

7 Mole Way

Shawbirch

Telford

Shropshire

TF5 0JZ

United Kingdom

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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OMG just spoken to Ratio Money having waited for 35 minutes for the call to be answered to be informed our claim has only just gone to the adjudicator - BLACK NIGHT ASSOCIATES - to be informed that only one company can look at our claim - not sure who it is, claims warehouse, or ratio money, Black Night won't speak to me being a client (what kind of business is this)!

 

Yeah, I was told that yesterday.

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OMG just spoken to Ratio Money having waited for 35 minutes for the call to be answered to be informed our claim has only just gone to the adjudicator - BLACK NIGHT ASSOCIATES - to be informed that only one company can look at our claim - not sure who it is, claims warehouse, or ratio money, Black Night won't speak to me being a client (what kind of business is this)!

 

 

these firms who use the excuse that they are NOT answerable to the paying client are very much mistaken. They are & those who refuse to provide information are acting unlawfully

 

Now that you now they have your file/data send them a SAR & lets see them get outta that one;)

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Black Night Associates are in fact Loancheck see; Loancheck.co.uk

 

This confirms my wider fears! Has anyone had any dealings with RARIO MONEY who were the original company handing my cliam ? They too seem to have gone to ground although when I spoke to the broker this morning who was very helpful she seemed to be suggesting contact with them is almost imposible!

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This confirms my wider fears! Has anyone had any dealings with RARIO MONEY who were the original company handing my cliam ? They too seem to have gone to ground although when I spoke to the broker this morning who was very helpful she seemed to be suggesting contact with them is almost imposible!

 

Following advice on this forum, I have just spoken to the Debt helpline who were very very helpful (why did I not call them before) --- their 100% advice is speak to a solicitor who I have just contacted waiting for reply!

 

they offered further advice: if after all this circus the claim is enforceable, we could lodge a 'tomlin order' which means as I believe the CCJ is changed allowing for a settlement and repayments to be made, if I heard correct the order is made against the original amount of £7,000 no the £22,000 (almost) Paragon Finance are suggesting! Anyone else heard of a 'Tomlin Oder' ?

Edited by bbilly
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Hi thank you for this information it makes very interesting reading, I hope our case does not need a 'tomlin order' but is finally heard however, a silver linning on a dirty dark cloud!

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I spoke to a solicitor yesterday who was handling one of my cases and he has heard nothing from Ratio and can not move it forward until he does. In terms of the poor customer service and lack of updates etc I would urge everyone to start the complaints process off. There are a number of introducers out there who are as culpable as Ratio as well namely UK Logical and Guardian GB the latter promised the earth and claim they are different cos they have barristers on board etc - however when I quizzed them in January theyre guy clammed up and could only say "it will be at least 9 months" before any progress. Im at the stage where I wish I was never taken in by the piffle peddled by Ratio and the introducers to them.

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