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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.
       
      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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      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
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      • 16 replies
samsmoot

To ebay or not to ebay - looks a bit scary to me...

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I've so far had no real problems with buying on ebay, and I was thinking of putting up for sale on there my collection of (don't laugh) comics. I would expect them to fetch a few hundred or so.

 

After seeing a bad report or two on here about Paypal refunds, and also after reading ebay's selling guides, I'm left feeling unsure that ebay's a good idea. For a start off they insist that you must agree to accept PayPal as a payment method, then they say there's a Paypal fee and don't tell you how much. The thing that bothers me is the possibility of the buyer getting refunded, and me losing out - it seems to happen often enough.

 

How can I protect myself from an unscrupulous buyer/online auction site/payment facilitator? Perhaps what I am selling isn't usually prone to [causing problems], but I feel well put off by some of the stories I have heard. Would ebay allow me to sell a catalogue containing a list of what I have for sale? Or what about classified ads on ebay?

 

Any comments welcome, thanks.

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Ive been using Ebay for a couple of years now to buy and sell books, and never had any problems. One thing I make sure that my auctions are only UK based, therefore no-one out of the UK can buy from me, as its too much hassle working out the postage etc.

 

My auctions usually start at 99p that way I have no insertion fees to pay only selling ones, and try not to over price on the postage.

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In fact, just after I posted that, I decided to have a clear out and have a few books on just now. I will TRY not to buy more books until Ive got shot of more of mine, but I know it will be very hard :-D

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Always send items recorded. That's your cover with paypal. If a buyer claims they didn't receive it my step mum tells me you just tell paypal the recorded delivery details. She sells on ebay for a living and always sends recorded. Have you looked at gumtree for selling - I think it's free. I've sold odd bits and pieces of my own over the years on ebay and not had any problems. The latest thing now though is, Paypal are holding your money for 21 days or until you receive positive feedback (whichever is sooner) until you build up a bit of a history. There are discussion forums within ebay which are very busy you could have a look there too.

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