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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
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Hfo capital limited


tony c
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I’ve got what I need.

 

Tony, can you explain more about the hearing? You mentioned a letter way back – they must have sent you a notice of hearing.

 

Can you post this notice or letter? Is the hearing a determination hearing? Have you been sent income and expenditure forms to take along?

 

Also, can you clarify the dates problem – where you were living when the claim was issued, and when the judgment was issued.

 

I’m going to be suggesting the set aside based on:

(i) The defendant did not receive the claim form.

(ii) The claimant does not own the account and therefore has no locus standii (we can prove this using their own contracts and letters. We can also disprove any other contractual rubbish they subsequently come up with).

(iii) Even if the claim had been received, it abused the court process by not including copies of documents referred to in its claim.

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this claim should not have been accepted by the courts,

Wandsworth should have been aware of foreign companies actuating claims in the UK a warning sign surely must have come up to flag this ,

i cannot read the other forms posted far too small

patrickq1

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they are trying to claim for an intrest bearing account , so details of questions asked by Donki will help, but their is a deffinate case for set aside, also what information have HFO Capital provided you with

it seems apparent that you had judgement against you because you had not turned up in court, was this because you had not been informed or had changed address ?

patrickq1

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donkey got a letter of t&r on the 20th oct saying that pls accept this as conformation that in light of the fourthcomimg hearing of the intern Third Part debit order dated 14th October 2010 my client is not preared to accept any of your settlement offers. My client's veiw is that, given the fact that they have been pursing this debt since August 2007, any agreement to settle this debt by way of a lump sum followed by installments will only protract the length of time before this debt is cleared

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OK, well we need to get the N244 in asap as this will be the reason for refusing the claim by HFO for the money, ie. there is a set aside in progress which must be heard before this case on Friday can be decided.

 

Just going to download an N244 so I can try and work out what to put on it. Any other Caggers any good at completing N244s?

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Quick recap Tony... did you ever get a definitive reply from Barclaycard regarding exactly to whom (full company name) and when (exact date) the account was sold? If not, can you please get your other half to call them as a matter of urgency to get an answer?

 

Record the call if possible.

 

I really need you both on the ball now to help get this sorted.

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I’ve got what I need.

 

Tony, can you explain more about the hearing? You mentioned a letter way back – they must have sent you a notice of hearing.

 

Can you post this notice or letter? Is the hearing a determination hearing? Have you been sent income and expenditure forms to take along?

 

Also, can you clarify the dates problem – where you were living when the claim was issued, and when the judgment was issued.

 

I’m going to be suggesting the set aside based on:

(i) The defendant did not receive the claim form.

(ii) The claimant does not own the account and therefore has no locus standii (we can prove this using their own contracts and letters. We can also disprove any other contractual rubbish they subsequently come up with).

(iii) Even if the claim had been received, it abused the court process by not including copies of documents referred to in its claim.

 

Need an answer mate. This is all now VERY urgent.

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Need an answer mate. This is all now VERY urgent.

 

phoned barclaycard on the 2nd nov at 12,35pm spoke to a lady called suzanne she said the account was sold to hfo in jan 2007 we didnt recieve a reply then spoke to another person named james who said they couldnt supply us with this information as the debt had already been sold.

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phoned barclaycard on the 2nd nov at 12,35pm spoke to a lady called suzanne she said the account was sold to hfo in jan 2007 we didnt recieve a reply then spoke to another person named james who said they couldnt supply us with this information as the debt had already been sold.

 

It’s worth another call – they will and must have the info on their systems.

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phoned barclaycard on the 2nd nov at 12,35pm spoke to a lady called suzanne she said the account was sold to hfo in jan 2007 we didnt recieve a reply then spoke to another person named james who said they couldnt supply us with this information as the debt had already been sold.

 

Their WS says it was sold 22 August 2007. That’s why you MUST call again to clear this up.

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