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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO Again!


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Complaints to Consumer Direct and OFT, definitely, as we know there is a contact there looking at HFO so the more complaints that are brought to their attention the better. Ensure that you directly send OFT all the correspondence from HFO and a log of their calls and content (recordings too if you can get them). No need to quote their guidelines although it is worth looking at these but do emphasise the distress this is causing you.

 

OFT do not deal with individual cases but do compile a dossier of all complaints and are the only people who can do something about this company. Trading Standards can be helpful but can also be busy and understaffed so not always sure that they pick up on everything and pass it on.

 

HFO are not necessarily 'breaking the law' as such but there is guidance on how they should behave

 

 

OFT Guidance link

 

This helps when drafting a letter to OFT

 

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

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Any complaint made via Consumer Direct will be accesible to the OFT. They no doubt run database checks to see the latest trends etc

 

I am unsure whether they actually WANT people to send stuff in to them or whether its a hassle for them. Afterall if they require evidence they can always phone the complainer back from Consumer Direct data.

 

Also bear in mind many TS departments take responsibility for businesses in their areas, and if one particular company is causing a lot of hassle to consumers in their area then they will look into it. Therefore, things should not totally bypass TS (hence why CD is the best as it makes the data available everywhere).

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  • 3 weeks later...
Hi just a quick question - can a DCA take you to court with just a credit agreement but no statement of account? How can they tell what has been paid off from the loan already?

Cheers

 

Yes they can make a claim without any documents.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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They can make a claim, but thy may have great difficulty in convincing a judge of the true facts - so would you I am afraid, it is a bit of a lottery

Please support CAG and they will support you.

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Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Just a little update - HFO no longer write to us since the statute barred letter but they do phone once a month (usual rubbish). However I thought I would warn people I am 99 percent sure they phoned this week pretending to be another company angling for a mobile number. They have been desperate to get a mobile number for a while - not sure why as we do answer the house phone. Anyway just thought I would warn people to be careful who you are talking to.

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WHY are HFO phoning you after you have informed them that this is SB? They should not be contacting you at all!! Please have a look at the OFT guidelines http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance . I would also suggest that you give Consumer Direct a ring and lodge a complaint http://www.consumerdirect.gov.uk/contact

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Have complained a couple of times to OFT will try consumer direct. We have been writing down when they call - we haven't said to them when they ring that it is SB usually just hang up. I'm not really bothered if they do phone - its not very often and I think even the HFO woman is fed up with it. I did email and said I wanted to make a complaint about their telephone operator and asked for their complaints procedure but didn't hear anything back. Do you think I should write to them again and say they haven't sent an answer to the SB letter?

In addition Welcome have been rubbish and haven't sent us confirmation of who the account was sold to or a statement of account ho hum.

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OFT cannot intervene in individual cases but Consumer Direct can. I would suggest that you resend a copy of the SB letter to HFO with a covering letter asking that they confirm receipt of this letter and cease all collection activity forthwith. Add 'Copy to OFT' to the HFO letter and make sure that you send a copy to them. send to HFO by recorded delivery and check they have received it.

Please support CAG and they will support you.

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