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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.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      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.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      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.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies
Just Cause

Confused with AIC Demand!

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I have been under debt recovery for five years with Triton Credit Services for a loan taken out with NatWest.

For the past twelve months or so, I have been paying them £4/month in monthly repayments. Recently,

in correspondence,they said they could not take this money as my income-expenditure statement did not show

affordability (in fact, I was funding these £4 repayments from my Job Seekers Allowance, and had clearly shown

this in the IE statement), and I had offered to keep these payments going, even though I am experiencing

severe financial hardship.


Soon after, I received a communication in post ( a yellow card ) from AIC Debt Collection Agency. They said

they were demanding full immediate payment of the outstanding balance on behalf of their client NatWest,

who had demanded full repayment. I have never received such a demand from NatWest/Triton.


I am not sure whether they have bought the debt from NatWest or are genuinely acting as an agent on their

behalf (as stipulated in their yellow card). If they are acting bona fide on behalf of NatWest/Triton, why the

inconsistency in the two approaches? I have received text messages and voice mails from AIC and, on the

advice of this forum, have refused to reply to. They have been sent to my mobile number. I have now

changed my number to avoid the calls. However, they have NOT called on my landline. I have been quite

open with this number with all my correspondence to Triton. I would have thought that if AIC were working

closely in collaboration with NatWest/Triton as an agent, they would have been given this number.



I sent them a letter('Recorded Signed For') with a CCA request (as advised by this forum), enclosing

£1 Postal Order for handling fee. They replied promptly stating that, since they were acting on behalf of

NatWest, they were UNABLE to comply with the request - rather I should contact Royal bank of Scotland (RBS) direct for the required documentation. They sent back my letter (with enclosed Postal Order for £1), PLUS the envelope with the

'recorded signed for' sticker on it. It strikes me as odd that they would not wish to keep the letter on

their files. I stated in my letter that all future communication was to be conducted in writing.


So, if they are acting as an agent on behalf of NatWest, is it still not their responsibility to provide me

with the original CCA?


What should my next move be? Wait until they write again with another demand?

Do I then write back informing them that they are in breach of the law since they could not provide CCA, and

the debt is in dispute?


All help in this matter is greatly appreciated.

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So, if they are acting as an agent on behalf of NatWest, is it still not their responsibility to provide me

with the original CCA?

Oh yes it is;
If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.


Do I then write back informing them that they are in breach of the law since they could not provide CCA, and

the debt is in dispute?

Yes. ;)

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



17 Port & Maritime Regiment RCT

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Many thanks for your unequivocal advice.

Just Cause

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I LOVE the Warning! written in black on top of their yellow cards! So very scary!


One letter to Mr. Dickey earlier this year saw them throw in the towel - AIC really are ALL bluff and bluster! Of course, NEVER speak to them on the phone, they're foul. They make me ashamed to admit I'm Scots too.


Once you get rid of them it will just pass to yet another bottom feeder and so ad infinitum. My alleged debt with LloydsTSB has so far been with SC(u)M, AIC and now Apex. I wonder what lucky DCA will be next?


It's just a case of holding your nerve, churning out the appropriate template letters and taking good advice from fellow CAGgers.


Good Luck!



Impecunious! :-)

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Hi impecunious,

Many thanks for the moral support!

Just Cause

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