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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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gmbunn

Used Car Nearly Killed Me! Any Advice Please..

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Hi folks,

 

Im looking for some advice about a very serious issue Ive had with a used car. Here's the background..

 

3 weeks ago I purchased a 06 plate Mondeo from a car dealership (i think its a family business). The advertisement I initially saw for the garage stated "A1 condition, drives superb. All our cars are sold HPI clear, prepared to a high standard and are faultless". I went and saw the vehicle and purchased it. Up until last week I had only ever driven the vehicle with me in it. Last week I took my family (4 in total) for a drive and as I approached a junction the brakes failed to stop me effectively and the nose of the vehicle ended up in the junction. Luckily the oncoming driver was aware and took evasive action.

 

I took the vehicle to a garage the following day to have it inspected and I was told ALL brake discs and pads, all the way around the vehicle, were substantially worn to the point they suggested it would have failed and MOT and should not have been driven on until its repaired.

 

Considering I purchased the vehicle in the midlands and live in Devon and also noting what the mechanics said about safety, I had the work done there and then and kept all paperwork showing the inspection result. It cost £363.

 

I am absolutely horrified this has happened as it could have been a serious accident. To add insult, as my car crossed into the junction, even by a few feet, I activated a red light camera and now have recieved a penalty ticket from the police!

 

Can anybody please tell me where I stand on claiming my money back from the dealership? Maybe under the Sale of Goods Act?

 

Thank you for any help

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Even though you clearly have had a traumatic time, under the Sale of Goods Act you have weakened your case by getting the work done yourself - the Act requires you to allow the seller first option to repair the item and is a good reason why with a complex item like a car that you can't for instance put in the post if it goes wrong, then local purchasing is something to think about.

 

If you have only had the car 3 weeks, did it come with a new MOT? If so, and if the repairing garage have given yiou the old parts, then yoiu have 28 days from the date of the MOT in which to approach VOSA if you think the car should not have passed an MOT, so you would need to move quickly.

 

In practical terms, contact the seller and raise your concerns - hopefully they will be reasonable and offer a good contribution to the repair cost, but be aware they will probably not contribute the full cost

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