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    • Hi all,   I hope this is the right forum to ask the question.    Today I have had a knock on the door, with a man claiming to be a roofer saying that he and his team is doing a big job near by and today there is some down time and they would like to go around the neighborhood to find extra jobs with a discount. He looked genuine enough and asked if I would like to have my gutters cleaned.  When he gave the price of 120 pounds and that he would do it straight away.  I agreed.    I was very busy today with back to back work meetings and I just left them doing the job.  Soon one of his team came to me again saying that while cleaning the gutter he saw some missing slated and rotten timber underneath, with some small birds nesting in the holes, asking if I would like to get it fixed.  I asked for a quote and he said no more than a couple of hundred and he can do it quickly.  If I don't fix it then potentially it would result in damages to the walls etc.  He wanted to show me the damages but I was in the middle of a meeting and just agreed, but insisted that I must be informed of any more work and anything more expensive I need to see a quote first before deciding.   So about two hours later they told me they have completed the job --- I did not observe them.  And to my estonishment they gave an invoice initially of 1750 pounds!  The reason, they explained was that they went on to the flat roof and find edge of the roof splines to be in a poor condition and decided to repair those for me.  They used concrete to secure them and was quoting 40 pounds each, for total of 41.  They also said they sealed the lead covers underneath.  The original job to fix the rotten timber was quoted at around 500 (already much more than I was expecting).  They gave me a discount which resulted in that 1750 figure.  They claimed repairing those were necessary as part of repairing the rotten timbers?  I am no expert but it didn't sound right.   I am definitely not happy and asked for an itemized breakdown of materials and labour before I will consider paying any of it. They then sent me an invoice of 1500 with no details at all.   It has now dawned on me that all of it feels so fishy.  I am considering my next actions:   - I am willing to pay for gutter cleaning - I am willing to pay for the repairs for rotten timber, IF they can provide proof of what they have done.  I am asking for before and after photos. - I am not willing to pay for the work I have not asked for and did not know of beforehand.  They tried to make it sound like I agreed to it, but I am quite certain I definitely did not.  However there is no proof, everything is verbal.   There are no contracts signed.   I wish to seek advice on if my next step actions are reasonable and what other courses I should take?  To be honest I am now really gutted that I opened the door for them, and I am now even not sure if they had actually replaced anything on my roof as I did not see any rotten timber being taken down, no waste whatsoever.  I am even more worried if the roof was damaged in the process.   I am sure they will be coming back to my house tomorrow to demand payment, so any advice on how to deal with them would be really helpful.  I also don't want to antagonise them, I have no idea who those people are, I checked their company and it looks like they only established it last year.   Thank you so much in advance!    
    • You think the "Local Council" (of other authority depending on the status of the road) had a responsibility to take winter weather precautions for your protection.   Before gaining my support, can you confirm that you did similarly by equipping your car with 'winter' tyres?   Most people 'south of the border' do not bother. In many countries/regions (including where I live) they are obligatory in winter months irrespective of daily weather conditions.  They work, even on black ice, but adapting driving style is still required.
    • well cabot get nowt then.   cant hurt to CCA BC, they never kept them in the right format most of the time anyway.   the Barclays OD , what i means is you are no longer having any wages/benefits or anything paid into it...thus you are controlling when it ever gets any money...whats the sum?
    • aI have made a further complaint to the ICO regarding the second incomplete data disclosure received from Ombudsman Services. Within their disclosure is a key document missing a date. The date on the document I am in receipt of does not match the data of the document the Ombudsman disclosed and appears as if their document could have been deliberately falsely dated by a member of staff that works(ed?) in the "Legal & Compliance Team".   I believe I am now in receipt of evidence that the OS is attempting to mislead both myself and the court.   Are the CAG aware that it is highly likely that a signifcant number of staff that work at Ombudsman Services also work on behalf of POPLA? This should certainly steer the understanding of what sort of treatment appellants can receive when using such a "service".
    • I received a iPhone from mobile phone direct, the agreement was 150Gb with O2 provider. O2 sent me SIM which doesn't work. I contact O2, I complain,I chat with O2 but the SIM card doesn't work.In 3 month but they keep send me bills. I don't pay. The final bill is 1200 pounds,but the iPhone cost 700- 800.   Because of this I lose some jobs and loss of earnings. I would like to pay the cost of the iPhone, and nothing else. I got county court in May. How can I set my defense. Thanks you.
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The Registry Trust. Genuinely safe to check?


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I have just deleted a complex story with Carter that was that complicated I confused myself. :D It really is a mess and my recollection of things is messed up! I do know the account (CC) was opened in February 2004.

 

To cut a long story short, I have a CCJ off him that will be SB'd for enforcement (save an application) sometime in 2011-2012. I think he played the splitting game and that is one reason I *may* elect to check with the trust to see all the details. I have read on here that no CRA's are involved, but can anyone cateogorically state this is the case? I'm sure I've read some murky posts about the trust. I don't even like the idea of paying with my visa debit!

 

I haven't applied for credit in a long time, and have no intentions of doing in the future, save for a possible mortgage, so feel I want to be in the know with as many details about this as possible. If I get the old DCA re-defaulting rubbish on some minute and not owed debts, then I need to sort that out after this is SB'd. The less nudges the better with potential enforcement potentially days away. Some off this debt is owed, though most of it is not and with the interest... I know they only have an application FWIW, as I remember filling it in, anyway..

 

I'm not interested in setting aside or anything.

 

I don't know why I am posting this really, other than I want to know if I can spend my 8 pieces of gold without nudging the back scratchers.

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It's public information on the RT so anyone can check the files, nothing is flagged.

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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If you have any clue as to which court the CCJ was issued at, I'd suggest you contact them instead. This week I wasted £16 on checking it - the info they gave me was less than that I got off the court :( Northampton CC were brilliant and emailed me back with the info in less than 48hrs.

 

I wasted £8 by checking my current address as opposed to the address which I was at when the CCJ was issued. :mad:

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I don't know which Court, but I assume the bulk centre as it never got to allocation I don't think. Oh, I really don't know, lol.

 

Still, that's a great idea... if I feel I need the info, i'll start by calling them. :D

 

I do know what address the claim was issued at, but £8 my eye if Northampton will give it to me for gratis. Hmmm, might even try that tomorrow giving them only the address at the time.

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Ooooh, Mr Carter... I love you!! :p

 

I now know what date I'm heading for, and even better, thanks to our 'iccle greedy far-from-following-procedure sweatpea Bryan, the most anyone can ever enforce on me, or otherwise, is 15% of the debt, or around 10% without the fees and interest levied thereupon. That's the remaing debt, as I had cleared a third of it.

 

You really shouldn't split your claim, sir - I know that you have no chance of getting anymore than the amount on the CCJ and you, or anyone else, can't see me back in Court again.

 

That is my only (and last!!) CCJ and isn't life funny at times.... I knew how rank DCA's were, but knew nothing of the trickery of splitting claims. How I have wished I found CAG before burying my head in the sand with this, but, and as it turns out thanks to Carter, he helped me considerably with my Natwest card.

 

I do feel naughty as tax writes offs and what I paid is short, although interest on the fees etc wouldn't have been that far off if I had charged their rate and dealt with the claim properly. Oh well, I'll never be reliant on any credit ever again, lesson learnt.

 

Seriously Bryan, thank you chuck xx :p

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What bit is left, offer them sightly more than what they paid for it as a full and final settlement. 10% of 10% is.... ;) Then reclaim the charges, and hopefully get to file a court claim for them + 8% interest, and hit them with a few hundred in costs.

 

There's nothing like kicking the DCA **** in the balls while they're posting huge losses at the moment. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Ah yes, the 'Clerical Error' gambit often employed by the above. :rolleyes:

 

He must be the unluckiest solicitor in the world, he keeps updating his procedures, re-training his staff but they will have non of it. It must be awful having enemies working within. ;)

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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Sleeping dogs, Fuzz. :D

 

It would be in contradiction to my DCA rule to talk to him, and I'd be mad to anyway!

 

LMFAO Cerbs. Clerical errors my ar$e. :D

 

Bryan Carter: Split claim debt specialist... 'We promise to eliminate your debt via our very own dubious practices!'.

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