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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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    • 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.
       
      I put a few things in my trolley and then did a shop.
      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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      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
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      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
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      • 16 replies
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Hi all,

 

I'm a bit behind with a wonga repayment and am being chased. I defaulted because of emergency repairs to the family vehicle and have tried to tell them that I currently have NO money to even last the month. They don't seem too good at responding to e-mails, but I thought I'd give it one more go/ Does this sound ok and should I copy in the famous Errol ?

 

Hi,

I have been in regular contact with you and last spoke to someone on 30/07/2010 regarding a payment plan.

I explained that I had less than a fiver in the bank at the moment, but said that I would try and arrange something over the weekend.

I have failed miserably but am quite willing to make the following arrangements. I will pay £10.00 immediately, direct to your bank as a token payment to show willing and get the plan started. I will then pay £xx.00 directly to your account on the 20/08, 21/09, 21/10, 19/11, 21,12 and 21/01/2011 to settle the debt. This will total £x00 which is considerably more than the original loan with reasonable interest.

I would expect interest and charges to be frozen once I have paid the £10.00 token, and also would expect you to add further interest and charges only if I missed a payment.

Please not that I am NOT trying to avoid payment, I have used you in the past and always paid on time or early. I note that you are a member of the FLA and would hope that you will deal with me in accordance with Section D1 of the Lending Code.

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Whoa, didn't mean the e-mail to look like that !!

 

Meant to say:

 

I have been in regular contact with you and last spoke to someone on 30/07/2010 regarding a payment plan.

I explained that I had less than a fiver in the bank at the moment, but said that I would try and arrange something over the weekend.

I have failed miserably but am quite willing to make the following arrangements. I will pay £10.00 immediately, direct to your bank as a token payment to show willing and get the plan started. I will then pay £xx.00 directly to your account on the 20/08, 21/09, 21/10, 19/11, 21,12 and 21/01/2011 to settle the debt. This will total £x00 which is considerably more than the original loan with reasonable interest.[/font]

I would expect interest and charges to be frozen once I have paid the £10.00 token, and also would expect you to add further interest and charges only if I missed a payment.

 

Please not that I am NOT trying to avoid payment, I have used you in the past and always paid on time or early. I note that you are a member of the FLA and would hope that you will deal with me in accordance with Section D1 of the Lending Code.

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copy errol in from now if they havent responded...

 

then wait 48 hours and send again...

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Rashley, i think thats a very honest and well put together email. Like jamies states keep resending and put 2nd copy, 3rd copy etc till they respond. If you havent already set up a new account or report card as lost/stolen straight away otherwise when you do have some money in the account it will go and you may need this for essential living. Keep us posted on how your getting on

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Go Errol,

 

had a phone call to my mobile (at their expense !) about two hours after sending this, saying not to worry about the initial £10.00 just increase the 6 monthly payments to cover that. Interest and fees stopped.

 

Still waiting for that in writing though !!

 

Thanks for your help.

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You certainly do jamie :D Well done rashy ! x

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what email address did you send your letter to please

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