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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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Laura v Halifax - **Debt Written Off**


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According to internet BLS is Lloyds TSB difficult to know whose responsible as night before a call said it was the LLoyds group and the numbers are same for Halifax/BOS and BLS

 

Anyway just before 10pm had one of the silent calls with the office back ground noise daughter had to leave me in shower on my own to answer phone these low life are interfering with my quality of life it`s a disgrace and should be a criminal offence to harrass a 3rd party to the debt owed it`s nothing to do with me yet I`m the one suffering all these constant annoying pre-recorded calls my children are here to look after mine and my hubbies needs not to keep answering harrasment phone calls:mad:

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Will do m you have a good weekend off to Grandaughters 7th Birthday party should be a laugh then Twycross Zoo tomorrow it`s a break for me looking forward to it:)

 

LC. What HAVE you done!!! Talk about 'famous last words'. Now i'm convinced that you're some sort of witch :D.

 

Seriously, so sorry for you. Must be pretty painful. I wish you a very speedy recovery.

 

M

 

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M no one would believe the calamity had a rainbow coloured cast on yesterday been back today had no sleep as the cast seemed tight I now have changed from fibre glass to plaster of paris and now it`s pink

 

Daughter had a half day today, to see to us daughter in law as been to hospital with me this morning

 

A witch I`m a devil lol 6 weeks + of this and I`ll be a crazy nutter lol

 

Loads of friends been calling to run errands and help great to have good support with the added bonus of friends raising my spirits on here

Edited by Laura Cooke
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DD

 

Hi felt a bit better my sister been then my niece today which as took my mind of things today

 

Just started emailing this and BLS collections have rung any idea if it is Halifax or LLoyds TSb numbers same 08456029441 can`t wait till FOS take action on them

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Are you sure it`s Halifax BLS everywhere on the site says it`s LLoyds Tsb just had a call from a Scottish guy saying it was Lloyds Tsb group BLS a sales call needed me to sign something he was sending hung up I really need to know off here who I am reporting whether it is Halifax or LLoyds TSB as same number:confused:

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All the same bunch. From their site>>>>>

 

ABOUT US

Lloyds Banking Group

 

Our Opportunity

Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc. This makes us the largest retail bank in the UK with a number of leading market positions. One in three people bank with us.

Halifax, part of HBOS, owned by Lloyds TSB

 

M

 

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I`ll report Halifax then because forms came today from FOS they are partially filled in by the FOS I was so annoyed when they rang today on a pretence of a "Sales call" I have been up to my neck in it because I have been poorly been took back to the hospital for the 3rd time to change my cast

 

What bit I could understand with the accent was they`ll send a form so I can discuss things if hubbie can`t speak to them

 

What a shower of sh** this lot are

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I`ll report Halifax then because forms came today from FOS they are partially filled in by the FOS I was so annoyed when they rang today on a pretence of a "Sales call" I have been up to my neck in it because I have been poorly been took back to the hospital for the 3rd time to change my cast

 

What bit I could understand with the accent was they`ll send a form so I can discuss things if hubbie can`t speak to them

 

What a shower of sh** this lot are

 

Well I hope they give you a peaceful weekend :mad:. Yes, they are a shower. The latest trick from ARC is they phone my work mobile from random mobile numbers in the hope I answer it. They finally caught me out yesterday. I taught him some new words :D. Don't think he'll call again.

 

M

 

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Thanks M everyone kept saying it was Halifax akward with them being same group so when you get this automated phone calls or their favourite silent calls you don`t know who you are holding reponsible when you complain to FOS:confused:

 

Had similar probs myself with Blair Oliver Scott. Never used to go through security with them and I eventually complained about the non-stop calls (against the wrong account :-|. I had a card but didn't realise that a loan I had ended up with them too lol).

 

Surprise, surprise they came up with phone logs and all sorts to prove that they hadn't called. Soon put them right when i realised what was going on. D***heads.

 

M

 

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  • 3 weeks later...

Call centres face ban on repeat silent calls

Repeated silent phone calls are to be banned, bringing relief to all those harassed by the calls which are generated by computerised cold calling systems.

 

Telecoms regulator Ofcom has been trying to put a stop to the nuisance calls for years and has fined several companies for breaking its rules. But 70% of the complaints it gets about silent calls are still from people who received two or more a day from the same company, often over several days or weeks.

 

The silent calls come from telemarketing firms using computers to automatically dial random numbers simultaneously. Sometimes the technology mistakes someone answering the phone for an answer machine and hangs up. Or if too many people answer at once and all call centre staff are busy, the call is cut off.

 

The new dialing rule is set to come into force early next year. It will ban companies from calling a number more than once in 24 hours unless a call centre worker is on hand to pick up the call.

 

"Silent and abandoned calls can be very irritating and even frightening for some people," said Ofcom's chief executive, Ed Richards. "By tackling repeat silent calls, backed by firm enforcement action, Ofcom expects to see a sharp reduction in consumer harm."

 

There are existing rules that say a message should be played to explain an abandoned call. Ofcom is looking at clarifying its rules.

 

Ofcom already slapped a £50,000 fine on Barclaycard in 2008 for breaking its rules. Other companies fined include The Carphone Warehouse and Abbey National.

 

The number of silent calls has fallen since its peak in 2008 and complaints are also down, from 1,300 in October 2000 to 825 in March, but it is still a big problem.

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Ofcom already slapped a £50,000 fine on Barclaycard in 2008 for breaking its rules. Other companies fined include .............and Abbey National.

 

Made me smile :). Where's this from?

 

M

 

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Hi as I can`t get in my office upstairs very well with my broken leg I`m using a lap top downstairs I get my emails by going on TalkTalk Web Mail it came up on there with the days latest new clips I for one welcome this as had umpteen silent calls which are not very nice as I am a third party to anything I find it very distasteful and intimidating I reported Halifax recently for this and then Lloyds Tsb started doing same telephone n umber same but actually got a caller on other end told her to remove my number from her files not had any bother for near on 3 weeks:)

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hi DD battling on with the leg nothing else I can do it`s so frustrating relying on people to do errands as I`m the only driver in the house. No heard nothing but all calls stopped I`ll flip if they start again really not in mood for keep answering phone got enough on my plate thanks for your concern x

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