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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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Guest Cartaphilus

72 hour notice of document delivery ... Or is it?

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Guest Cartaphilus

Got a green envelope today with:

 

72 hour notice of document delivery

 

THIS COMMUNICATION TO BE DELIVERED TO NAMED ADDRESSEE ONLY

 

Appreciably, you will understand seeing that can have, when most letters coming are from DCAs or creditors. Turns out it was from Readers Digest whom I don't have anything to do with, about a competition I never entered anf my name is 'guaranteed' a winner place if I phonr and confirm. Not that I will be but, really, what a thing to put on an envelope. I am still trying to getm my breathing back under control.

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Ah yes a dysentery coloured envelope full of ****. :fish2:


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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Guest HeftyHippo

well, keep the envelope for the next time you get a letter from a dca saying you must contact them urgently....

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sHa_clap2.gif

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Guest Cartaphilus

Missed these other replies because I was out, did hear my phone go 'ding' for an incoming update from here but was too busy listening to music :D.

 

I was also curious to note that Readers Digest (or the marketing or 'a' address on the back) appears to be in the Isle of Man now. I mean, I never really believed I'd won £125000. Last time it was a golden coloured tear off the strip thing ages ago.

 

Edited - oh, and look I just found a DCA listed in IOM on Google. Well, the one I found. (Or it's listed on a site after looking up DCAs there).

Edited by Cartaphilus

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Guest Cartaphilus

Reminds me that I've not been to the IOM since 1985 ... Might have to ferry over there and have a snoop to see where this address is. ;)

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Might have to ferry over there and have a snoop to see where this address is.
Use Google streetview.... DCAs do. ;)

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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Guest Cartaphilus

And jolly naughty of them, too! But the other way gives me an excuse to visit the island, never seen a Manx cat for example. Besides I have googlemaps on my phone, have been very entranced looking at Easter Island, NY and other places.

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Guest Cartaphilus

But then I just thought, that if I used Googlemaps I may get the wrong view/address ... some of the information on there's a bit 'inaccurate' ... and not from personal knowledge of an area I know them to be ... which is also what DCAs do, of course. ;)

well, keep the envelope for the next time you get a letter from a

DCA
link3.gif
saying you must contact them urgently....

 

Don't worry, always do. In fact getting rather sick of the large collection that's amassed over time. I'd really prefer not to be getting what I consider junk mail for example and then having to keep it in the house.

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I got the same letter from Readers digest this morning, thought exactly the same as you, as the first letter i opened was from FIRE (Cabot)

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Guest Cartaphilus

Yes. It does seem a 'coincidence' because ... I had an odd text (second one) ... I won't post what it said but it was like the letter but 'offering' me something (only people who should have my number are one friend, one family member and the phone company, it's not anywhere else eg in the public domain) and if I wanted the texts to stop to text 'STOP'. Fishy. Considering the contents of the message. Of course, it arrives same day as this envelope does. I hadn't thought of them being connected but now you posted what you got today I am now thinking or linking them because of the timing. I haven't looked up the number yet as it's also a mobile number I don't recognize.

 

Mmm, just checked and the subject line is 'FREEMSG'.

 

Edited, it's nowhere online, either. I remember I did check it out before when I got the first one, couldn't find it. Which, if it was a company others would have had the same text if it was some kind of marketing thing. Unlike the DCAs that use certain numbers other than their normal ones, so you don't know who they are. Mmmm.

Edited by Cartaphilus

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Guest Cartaphilus

Found it! Or at least the code and part of the number matching the one I have, it's a company offering to write of loans legally.

 

Along with this post where I found it:

 

To stop getting these messages to txt STOP2optout all very dodgy to me, i definately won’t be calling either no. Also there is now a database which will include everybodys mobile numbers & names! There is an option to opt out of this service.

 

Right, now found this entry so I think I can safely assume it's a DCA of some kind pulling the old 'we have a package waiting for you' routine and 'phone the number':

 

http://www.callid.org/07786209245/

 

Finally found it now, and it has plenty of entries ... Don't know why I couldn't before, must have miskeyed a number:

 

http://whocallsme.com/Phone-Number.aspx/07786206957

 

Okay, looks like it could be an SMS [problem]

 

http://www.smswatchdog.com/7786206957

 

... What's interesting about it, though, is everyone who has had one of these texts has had them recently ie within the last 7 days. Think that sated my curiosity a little but will still keep an eye on things.

Edited by Cartaphilus
Editing as I find new information.

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I think the readers digest letter is pure coincidence, they sent this kind of rubbish out about competitions

As for the texts, could be anyone

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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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Guest Cartaphilus

Yes, you're probably right re the coincidence. I had to reach for the inhaler - still getting used to the things after just a week - afterwards, though as I could see in the very large window a few things that looked like account information on full display if you just pulled the corners back a bit, then looked at the back.

 

Thanks for the link CB, I found it eventually. It's the third one down I had the texts from in my post above. SMS [problem] by the looks of things.

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Guest Cartaphilus

Well wadayaknow? I got a new debt collector's letter today and from one I've never had the pleasure of before, 72 hours after the winners notification. Nothing from Readers Digest, though. Coincidence? Least it also answers the witheld number that has been calling my phone this week, no message left ... can only mean a debt collecting agency.

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Well wadayaknow? I got a new debt collector's letter today and from one I've never had the pleasure of before, 72 hours after the winners notification. Nothing from Readers Digest, though. Coincidence? Least it also answers the witheld number that has been calling my phone this week, no message left ... can only mean a debt collecting agency.

 

Whos the new DCA and what they trying to collect on?

See if get anyhing from them in the morning

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Guest Cartaphilus

BPO, but I can very easily deal with them.

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Best way to deal with these "txt2stop" messages is ring your phone company and they can block the number at source. I had one where I texted STOP but it kept saying I needed to confirm.... seemed it went to a very high rate phone number and routed round several other numbers.... 02 were able to stop this at source.

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BPO, but I can very easily deal with them.

 

 

Aegis BPO?

Wouldn't be after MBNA debt would they?

Our 72 hour pap was addressed to the mrs and she owes MBNA, Crapbot give it to FIRE the other week

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Guest Cartaphilus

Thanks for the tip. I've been trying to block it from the handset but seeing as it's an android phone it's pretty useless on letting you do that, I could do it from an older generation one for example.

 

BPO, Glasgow. Not MBNA, though. Amazing how many DCAs seem to use Glasgow as a base isn't it?

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Guest HeftyHippo
Thanks for the tip. I've been trying to block it from the handset but seeing as it's an android phone it's pretty useless on letting you do that, I could do it from an older generation one for example.

 

BPO, Glasgow. Not MBNA, though. Amazing how many DCAs seem to use Glasgow as a base isn't it?

No applications you can put on it to block calls or create blacklists?

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Guest Cartaphilus

I could have a look. I'm not annoyed by the calls, though I would like to know how they got hold of the number because the creditor doesn't have it, either. Not that I ever answer them anyway because I know who has my number and they wouldn't withold it, so I can see and answer when they do. They appear very reluctant to leave messages. ;)

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