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    • can you get some phots of the roof and eaves ect without trespassing on his property? insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move
    • you have been stiched up  but you really should have walked away from this well beofre reading the paperwork, let alone signing it.   However, the incentive is part of the contract, same as being given a free gift as part of a sale doesnt mean the retailer caqn give you somehting that is broken and not make good just because it was "free". so, back to the incentive and the terms you signed. Chances are the terms make the contract voidanyway but we wont knwo that until we see it. give us a good idea of what this is all about and you may well find a couple of people will give you the advice you need.
    • I have given them independent reports from two roofers that say they are beyond salvageable due to the upward curl on most of them along with a few cracked.    I have given them 3 quotes for removal (I was / am happy to pay for the reroof, but was based on it being slate as I could have taken it down myself.)    They have been out and taken photos themselves of the current roof along with pictures I sent in when we first found out it was asbestos after that was done was when they offered the £200 and they wouldn't comment any further on the matter.    They have asked me to have it tested officially opposed to an visual inspection but each time I ask them will they cover costs if it does come back as asbestos they ignore the question, three times I have asked.    It was 3 years ago but I first raised the complaint at the start of this year.    The age of the roof in question dates back to the 1920s when the house was built, the main building had its original bare Welsh slate roof with limestone mortar. 
    • Agree, you need to start a formal complaint and keep it in writing but also make it clear what you expect as an outcome. An apology and some commitment to better staff traing regarding general customer services but specifically handling of medical emergencies would be in order. They have a responsibility for the health and safety of all peopel on the premises and it does look like this point was sorely missed by the manager. i would also expect them to write off the cost of the ruined meal as well, you didnt paln in advance to ahve one of your party leave in an ambulance so their actions are pretty shoddy
    • so ask for a quote for their removal. you say due to the state of the tiles but give no indication as to what that is. You do need to have something specific to wave at them to get any movement and at the moment you dont. For all they know you could be telling lies just to get a few quid to go travelling with. so get proof of asbestos and a quote for removal if the roof is too far goen for repair. Pictures to show what they shopuldnt have missed will also bolster your case. I also note that it was 3 years ago so you have enjoyed the benefit of the roof for that time regardless of what it was made of. An estimate of the age of the roof will also be needed as that will help determine whether they should ahve been looking for such materials in their survey.
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wilchy

Not Satisfied With The FOS Decision HELP!

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Hi Caggers,

 

I had made a claim against EGG on mis-sold PPI and sort of added a bit to Beachy's thread (http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/226458-beachy-now-take-egg-post2511877.html#post2511877) which should add a little light on the situation.

 

Basically the FOS rang me last week and then sent me this letter:

 

s2s7km.jpg

 

zlrfp4.jpg

 

Could someone please advise me on whether this is worth writing back to the FOS to say I disagree to the conclusion. I know that I never checked that PPI box! Did'nt need to and didnt want to

 

Any help is much appreciated.

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Who was this decision from an adjudicator or an ombudsman or was it decided before it even reached an adjudicator like many have.


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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Thanks for your reply pompey. It was an Adjudicator

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Thanks for your reply pompey. It was an Adjudicator

 

Ok you are not at the end of the road yet then as you can request that this is looked at again by an ombudsman.

 

The decision maybe the same but you don't know unless you try if it is the same the only route open to you is small claims court if the claim is under £5000.

 

Do you still have the credit card agreement ? if not I would suggest a subject access request is in order here.

 

On that request I would ask for a copy of the comms log as that will record all calls made and all activity on the account by them

 

PF


If I have been of help to you please feel free to click my scales to the left Thanks.:)

I have no legal training and the advice I offer is what I have learnt here and offered as a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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OK so should I write back asking for more time like it says on the letter? I dont have a CCA but had requested one a while back but have never been sent one?

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Wilchy,

 

It has been suggested that you also request "screenshots of the application "within your Subject Access Request. the screenshots are to be of the actual application that YOU made.

 

It will take 40 days for an SAR to be actioned (more sometimes). So yes, write and advise the FOS that a) you disagree with their decision and that you would like it reviewed by an ombudsman. Meanwhile, you are in the process of requesting more information from EGG.

 

Then get the SAR off as soon as you can


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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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OK. I already have the screen shots from EGG. (see first post for a link to them) Do I still do a SAR? Will be writing to the FOS anyway. Do I just simply state why im not happy with the decision. Sorry for all the q's just dont want to cock it up as EGG owe me my money back!

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OK. I already have the screen shots from EGG. (see first post for a link to them) Do I still do a SAR? Will be writing to the FOS anyway. Do I just simply state why im not happy with the decision. Sorry for all the q's just dont want to cock it up as EGG owe me my money back!

 

If you have the screenshots and there is no other information that you require that would help you convince the FOS that they should review their decision.. then no, dont bother with the SAR. However, there is always a chance that you will happen on something that will help.

 

You should write to the FOS stating your reasons for disagreeing with their decision. Include any other information that might help and ask for a review by by the Ombudsman.

 

HTH


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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