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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?
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    • 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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Multiple Defaults on Sons Credit File-Not His


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I take it you still have a copy of the first credit report with all the dca and defaults on

 

look at the earliest search information, it wil be prob be under outstanding debt for the search and on the dca who updated the default on the credit file first,

 

remember, that will be the way back on the dates

 

i feel you have some serious compensation at a thousend pounds per default

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Experian shows that MBNA reported a linked address on 05/07/09.

Equifax shows MBNA reported a linked address on 06/12/2009

 

Both created the same linked address - son has never lived at the address

First search is 14/05/2010 by UK search Ltd.

The only DCA that has made a default entry is NIL/CREDITE LTD 30/01/2010

All the other defaults are in lenders names.

 

SAR to MBNA !

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I need confirmation but i believe mbna and barclaycard are now one and the same

(to be confirmed as i remember mbna card being tranfered to barclaycard)

 

it seems mbna creatEd the link so we go after barclayard for all those bogus defaults

 

you need to list all the accounts creditors refused to open and what effect it has had

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Your right!

 

http://www.businessbankaccounts.co.uk/2011/04/07/barclays-acquires-credit-card-portfolio/

 

Barclaycard took over MBNA just last month. I take it, in law, that they are responsible for any thing that MBNA did before takeover?

Edited by daisy lighter
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  • 3 weeks later...

Right; exams are over so I can concentrate on this mess. MBNA (Barclay card) SAR has been sent but not back yet.

 

Wescott on behalf of o2 wrote to say they would investigate with o2 and cease contact. Today a letter has arrived from Wescott stating that o2 have investigated and want pursuit to continue. O2 have removed their data (3 defaults) from sons credit files but have advised and I quote " the account was credit checked in the name of Mr ------- , therefore you are liable for the balance"

Are they seriously suggesting that regardless of their acknowledgement of the error that they really believe son is liable for payment?

Absolute madness. I suppose it follows then, that son is responsible and liable for the debts of people who share a similar name? They must be as the address and date of birth are not sons.

And its a pretty common name too.

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