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    • Hi all,   I hope this is the right forum to ask the question.    Today I have had a knock on the door, with a man claiming to be a roofer saying that he and his team is doing a big job near by and today there is some down time and they would like to go around the neighborhood to find extra jobs with a discount. He looked genuine enough and asked if I would like to have my gutters cleaned.  When he gave the price of 120 pounds and that he would do it straight away.  I agreed.    I was very busy today with back to back work meetings and I just left them doing the job.  Soon one of his team came to me again saying that while cleaning the gutter he saw some missing slated and rotten timber underneath, with some small birds nesting in the holes, asking if I would like to get it fixed.  I asked for a quote and he said no more than a couple of hundred and he can do it quickly.  If I don't fix it then potentially it would result in damages to the walls etc.  He wanted to show me the damages but I was in the middle of a meeting and just agreed, but insisted that I must be informed of any more work and anything more expensive I need to see a quote first before deciding.   So about two hours later they told me they have completed the job --- I did not observe them.  And to my estonishment they gave an invoice initially of 1750 pounds!  The reason, they explained was that they went on to the flat roof and find edge of the roof splines to be in a poor condition and decided to repair those for me.  They used concrete to secure them and was quoting 40 pounds each, for total of 41.  They also said they sealed the lead covers underneath.  The original job to fix the rotten timber was quoted at around 500 (already much more than I was expecting).  They gave me a discount which resulted in that 1750 figure.  They claimed repairing those were necessary as part of repairing the rotten timbers?  I am no expert but it didn't sound right.   I am definitely not happy and asked for an itemized breakdown of materials and labour before I will consider paying any of it. They then sent me an invoice of 1500 with no details at all.   It has now dawned on me that all of it feels so fishy.  I am considering my next actions:   - I am willing to pay for gutter cleaning - I am willing to pay for the repairs for rotten timber, IF they can provide proof of what they have done.  I am asking for before and after photos. - I am not willing to pay for the work I have not asked for and did not know of beforehand.  They tried to make it sound like I agreed to it, but I am quite certain I definitely did not.  However there is no proof, everything is verbal.   There are no contracts signed.  As of now I have not paid them a penny.   I wish to seek advice on if my next step actions are reasonable and what other courses I should take?  To be honest I am now really gutted that I opened the door for them, and I am now even not sure if they had actually replaced anything on my roof as I did not see any rotten timber being taken down, no waste whatsoever.  I am even more worried if the roof was damaged in the process.   I am sure they will be coming back to my house tomorrow to demand payment, so any advice on how to deal with them would be really helpful.  I also don't want to antagonise them, I have no idea who those people are, I checked their company and it looks like they only established it last year.   Thank you so much in advance!    
    • You think the "Local Council" (of other authority depending on the status of the road) had a responsibility to take winter weather precautions for your protection.   Before gaining my support, can you confirm that you did similarly by equipping your car with 'winter' tyres?   Most people 'south of the border' do not bother. In many countries/regions (including where I live) they are obligatory in winter months irrespective of daily weather conditions.  They work, even on black ice, but adapting driving style is still required.
    • well cabot get nowt then.   cant hurt to CCA BC, they never kept them in the right format most of the time anyway.   the Barclays OD , what i means is you are no longer having any wages/benefits or anything paid into it...thus you are controlling when it ever gets any money...whats the sum?
    • aI have made a further complaint to the ICO regarding the second incomplete data disclosure received from Ombudsman Services. Within their disclosure is a key document missing a date. The date on the document I am in receipt of does not match the data of the document the Ombudsman disclosed and appears as if their document could have been deliberately falsely dated by a member of staff that works(ed?) in the "Legal & Compliance Team".   I believe I am now in receipt of evidence that the OS is attempting to mislead both myself and the court.   Are the CAG aware that it is highly likely that a signifcant number of staff that work at Ombudsman Services also work on behalf of POPLA? This should certainly steer the understanding of what sort of treatment appellants can receive when using such a "service".
    • I received a iPhone from mobile phone direct, the agreement was 150Gb with O2 provider. O2 sent me SIM which doesn't work. I contact O2, I complain,I chat with O2 but the SIM card doesn't work.In 3 month but they keep send me bills. I don't pay. The final bill is 1200 pounds,but the iPhone cost 700- 800.   Because of this I lose some jobs and loss of earnings. I would like to pay the cost of the iPhone, and nothing else. I got county court in May. How can I set my defense. Thanks you.
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Bank Charges Reclaims from ?


LateDeveloper
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How far back can you go to claim bank charges ?

 

I have seen on here at some point it is more than 6 years, but would that only apply if you have already made a claim.

Reason I am asking, is because I received letters some years back for bank charges from the Alliance and Leicester stating it was a solicitors letter and a fee was imposed of £100 a time, despite the letters clearly having a photocopied signature of what is presumably a solicitor, and is therefore not from a solicitor and no associated solicitor fees have been incurred by the A & L to warrant such charges.

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prob a fake or tame solicitors anyhow.

 

there is no hard and fast rule for how far back you can go.

typically it is 6yrs regardless to a previous claim or not

though many have had success past 6yrs.

 

its unusual to see sol fees on a bank A/C

 

are you sure it was this? and what was it in relation too?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no charges are legit

they are all unlawful and reclaimable

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 9 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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