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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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      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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      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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stripper

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I have a Barclay Resolve Loan and was defaulted 2003.(Not shown thro CRA's)They handed the account to their in house collection CDCS and I agreed a monthly payment with them.

My last correspondence was from them in 2005 accepting a reduced payment and showing the balance o/s.This had reduced from the original figure.

On reading through their T C's I notice that interest will be charged on o/s figure.

The indication from the figures as mentioned above is that interest has not been added.

Is it therefore conceivable that at some time in the future they could add the interest?If this is so what bloody chance have I of ever clearing the debt.

I would really appreciate some sound advice here.

I dont want to request CCA as I am worried that it may trigger this back interest problem into action.

My customer CCA does not have either APR nor my signature and the TCs are separate

Thanks

Stripper

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If they were going to add interest, they should be sending you statements, showing the revised balance.

 

I think you need to speak to them to find out. They should really have confirmed in writing what the position was in regard to interst. I suspect they have suspended interest, subject to the agreed monthly payment being made.

 

If they wanted to re-start adding interest to the account, they would have to inform you in writing.


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Thanks for that.

Any more comments please.

Stripper

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I would put your concerns in writing, ask for the current balance and see if it is worth putting in a Full and Final... it could be worth doing as they want to get the 'toxic' loans off their books. DONT mention added interest at this stage as it could greatly increase the balance.

 

I would start at 10% of the balance as that is what they would get if they sold the debt to a DCA.

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Thanks for response

Much appreciated

Stripper

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Actually Sillygirl1,my problem is in fact regarding the interest.

I cant contact them,probably open the can of worms that I dont want.

Anyway thanks for your help.

Stripper

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I am not sure what you can do, if you don't contact them.

 

What has happened since 2005? If you are still making payments, just continue these if you can.

 

How are the payments made ? Direct Debit, standing order or via a debt management company ?


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Yes I am still making regular monthly payments by S/O.

Stripper

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If you are making payments, have you kept your own record of how much you have paid and deducted this off the last known balance ?

 

If you have not kept a record, your bank can supply statements, so you can work out how much you have paid. If it is a regular amount, you can probably work out roughly what you have paid back, if you know when you started making the payments.

 

I would do that first of all.

 

Are you not living at an address which Barclays have for correspondence ? So that if Barclays have been sending any letters, you won't have received them.

 

It sounds like you have not been in contact with Barclays for a while and are not keen on doing so. Fear of finding out the status of the account or other issues with them ?


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I can account for all my payments no problem here.I dont want to get in touch simply because what I am paying is acceptable to me and obviously them.I really wanted to cover the interest concern.

However if the Sh1t did hit the fan I dont think that their CCA agreement would be enfoceable.My credit files are rubbished so the threat of CRA has long been forgotten.However,I really didnt want to rock the boat,I was simply concerned at the possible introduction of interest .Just concerning mysellf about a future possibility .

Planning ahead!

Been at my address for years.

Stripper

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Leave well alone then. If they were adding interest or could add interest, they will tell you this. They should be sending you some form of statement each year.

 

I take it that because they have not been in contact with you, they are happy with the current arrangement, without interest being added. They probably realise, that you would never pay the account off, if they were adding interest.


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I have a Barclay Resolve Loan and was defaulted 2003.(Not shown thro CRA's)They handed the account to their in house collection CDCS and I agreed a monthly payment with them.

My last correspondence was from them in 2005 accepting a reduced payment and showing the balance o/s.This had reduced from the original figure.

On reading through their T C's I notice that interest will be charged on o/s figure.

The indication from the figures as mentioned above is that interest has not been added.

Is it therefore conceivable that at some time in the future they could add the interest?If this is so what bloody chance have I of ever clearing the debt.

I would really appreciate some sound advice here.

I dont want to request CCA as I am worried that it may trigger this back interest problem into action.

My customer CCA does not have either APR nor my signature and the TCs are separate

Thanks

Stripper

 

Hi Ya

 

You say that the 'account was passed to their in-house collection' team.

 

Logically; prior to making an arrangement with you the lender would/should have taken into account the total outstanding balance. Any interest that applied to your total outstanding balance would/should have been taken into account at that time. Meaning that what you are currently paying off is the outstanding balance 'including' any interest that was due.

 

If they were to collect what you understand to be the final payment ....... then be foolhearty enough to make a separate request for interest payments - I think a Judge, the OFT, the FSA etc., would be most interested to learn of such untoward activity.

 

Hope this helps?

 

Apple : )


[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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Very much so.

Thanks ,the information and advice,this has been most encouraging.

Stripper

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..... and, at the end of the day if you havn't got it, you can't pay it! any judge would throw it out of court if they took you to court after adding interest at this late date.


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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