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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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Well Mbna Whats Going On


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Why dont you try Garath or Paul on the same number?

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Just tried that number spoke to paul who apologised for the mix up with mr bailey i explained that i thought the charges were not reflecting what they actually owed me and said that id except them but i still wanted the full amount that i sould see on my subject access request... he told me that the print out they sent me was for all the charges i have been charged so there wasnt really a need to get the SAR but i told him i have had nasty phone calls from agents on there behalf which have been that rude ive put the phone down on them and that it has caused me untold stress ..........he promised to call me back within the hour lets see what he comes up with they offered me 310 there print out says 625 what do you think i should accept?

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Did you try and prompt him for a payment - I found Paul quite helpful to deal with.

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Sorry just read the previous page of this thread - so the phone call got your offer up to £610 - not bad for a phone call - now phonew him back tomorrow and say that you have thought about it - and if they will also add the compound interest owed,then you will settle there and then.

 

Good Luck mate

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Explain that the interest is the part that they have already charged you on top of the penatly - if MBNA dont want to paly ball then you will have to the long route VIA MCOL.

 

I must admitt that I always insisted that I was going to claim compound interest in my Prelim letter and LBA. I will post up a copy of my LBA later when I get home but I added something like this

 

"Charges of XXXXX plus compound interest, which I will allow you to calculate"

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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sorry to hijack the thread, but since phone calls seem to work with mbna - im trying to find out about my charges but im no longer a customer. could i call and ask for my old account number? and maybe get an offer there an then over the phone?

 

of course that would be too good to be true.

 

Well done evryone. sticking it to the credit card people. i just LOVE IT!

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Threads merged.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Moneyclaim on Line. You can use this to start your court claim, or file an N1 form with your local court. It is all in the FAQ's and step by step instructions.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well spoke to Paul at mbna again he looked at my account and said that the only compound interest they could work out was £169.19p and told me they will credit my account with that as that the interest charged on my charges i have asked them for my copy statements as originally requested. He said there is now a back log and i should get them in about 10 days.... He did hjowever point out that i can only claim the interest on charges is this correct? they gave me goodwill payment 310.00 then i refused a further payment of 300.00 and i asked for interest and a further payment of 170.00 =£780.00 you think they are still not showing me the true picture as not seen my statements yet as they never returned my SAR as originally requested

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It is only the interest on the charges. You can't claim all interest.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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