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    • Ah but if I didn’t pay PRA group could they default me?
    • We have a damp problem in a party wall in a Victorian terrace.  Both I and my neighbour have single storey extensions at the back (actually the front, but the back as originally built...) with roof terrace / patio area above, and a brick wall dividing the two terraces. This is standard in the road. (They also have a small conservatory joined to the first floor over part of their roof terrace) Some years ago we noticed that the internal party wall below the terrace was showing some signs of damp. We asked the neighbours if they had noticed a similar issue but they refused to engage with us. We hoped it was a condensation issue, and it was only occasional.  Over the years the dampness has got more frequent, and a couple of years ago we had our terrace completely redone, with the old flooring removed, new felting put down, new lead flashing, and decking on top. I stripped the wall below back to plaster and re-papered and painted. Last year the damp returned, but much more noticeably. We use a dehumidifier and can "extract" a couple of pints of water from the downstairs hallway sometimes - regardless of weather. There is black mould at the top of the wall, and it's clear the damp is coming top-down. I've lifted all our decking, put sealant along all felt joints, and silicone sealer between the lead flashing and brickwork that forms the dividing wall between terraces.  Since then there've been occasions when there has been surface water running down the wall, even when it's not rained.  We're pretty certain it's when the neighbour waters plants on the terrace.  The neighbours still won't engage, but we have persistent black mould, the paper is peeling off and the wall is wet from the top.  To check it's not our roof, at times when the wall has been dry I've thrown buckets of water at our side of the dividing wall on the terrace (and this obviously drains down onto the felting below the decking). The downstairs interior wall is unaffected by this - confirming the problem is coming from the neighbour's side. So what to do? Is this something we should be referring to our insurers? If the neighbours fail to fix the root cause (which is presumably perished roofing under their conservatory, or blocked drainage etc), is there anything we can do to stop it affecting us?  The internal wall is structural so I'm not really sure how a builder would approach the problem without access from the neighbour's side too.  We're planning on selling within the next 2 - 3 years but in its present state it's hard to see how someone would take it on, at least without a big price drop.  Any suggestions very welcome! 
    • defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday   NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.
    • Yes if defaulted but my non defaulted ones sit there
    • but thats how long it will show from settlement payment on your file if you make one or  if you leave as is..same result but far cheaper....   dx  
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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.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      • 16 replies
alfwithhair

Has Vanquis ever taken court action to recover cc debt

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Asking this for a guy on my street, he is a pensioner and stupidly applied for a vanquis card with an extortionate interest rate.

 

Initially they gave he £250 limit but within 6 months this had gone up to £2250 without him asking, as he has never had nothing for years, he has been buying things with it, like new tv, bed, cooker and a few otherr bit and bobs.

 

But has got his self in a pickle now as the min payment per month is now £75 and he just doesn't have it. I wrote to vanquis on his behalf to see if they would stop the interest (nearly £60 a month) and let him pay it of at £20 a month. There reply was they would accept £20 a month for 6 months, but would not stop the interest.

 

So there is no point payment if the are going to increase the debt by £40 every month. I asked him was he bothered about a crap credit rating and he said it was rubbish anyway that why he used vanquis.

 

So was wondering if anyone has ever been taking to court over a vanquis cc debt. As he said doesn't fancy a day in court to be ridiculed over his stupidity.

 

I think it would be enforceable has was only taken out about 8 months ago. But as they are part of Provident so I've been told, wondered if they use to courts to enforce as I know Provident don't

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I dont know but if I was him i'd just keep paying an amount he can afford say £10 a month, eventually they will probably terminate and if they dont like it they can take it to court but if hes paying anyway its surely pointless. Reclaim all the charges and check he didnt unknowingly take out ppi(which I imagine was unsuitable) and dont forget to add the contractual interest(it soon adds up).

 

Thats just my view btw, I dont have much knowledge on the subject but that seems reasonable to me.

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I send a SAR and came to the conclusion they keep ONLY computer records, no paper filing system!! Send a CCA request for both my wife and me ans the SAR for mine, no Credit Agreement! I wrote to them requesting the "missing" documents or a statement that they do not have it but no reply yet. Also awaiting the SAR docs for my wive.

 

Could be that they failed to supply it but a SAR will clear it up for your friend. I can also post again when I get more confirmation that there are no paper files at Vanquis or scanned agreements!


“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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There is no ppi on it I have checked and there are no charges as yet as he paid last month after they badgered him on the phone and left himself with no money for the week.

 

There is nothing to claim back it is their riddicular interest of 41.9% that is making the balance near imposible to reduce he paid £70 last month all that came off the balance was £15

 

There is no point him paying any reduced payment if they are going to add £60 a month.

 

But I have told him if they ring again not to speak to them and don't pay them any more. Stupid man is leaving him self with no money for food or his utility bills

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Their in-house collectors IMPACT are fanatical with their phone calls! The worst I ever experienced!


“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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