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    • after the Shed Company have sent the above email they sent another email and made a visit to our property with the same letter stating they will need to Invoice us or take legal action within 14 days, we are now feeling that we have been harassed since 2019 and that the Director has personally been involved in this harassment of us, by cancelling the finance, then constantly threatening legal action since 2019, when in fact he has no legal basis to do so, we would be obliged for advice, we have informed him that the actions to date amount to Harassment.
    • God i wouldn't trust them with a used teabag   you don't need their permission to file an sb defence File it!!   Dx
    • Okay. Looks fine – although I should go over them carefully because there are similarities in use of words, phrases – and even misspellings that may raise eyebrows if somebody looks very carefully. If you have to go to court then you will be required to produce these and to tell the court that they are honest and completely independent of each other. If the people who have made the quotes are required to going to court then they will also have to testify to them. At the bottom of each report (not the quotes) you need to add the following paragraphs   Then signed and dated   Check the statement make that they are prepared to going to court. If they aren't then it will be unhelpful. They will be allowed to make a reasonable charge for their time which will be to recover from the other side in the event that you win. Send copies of the reports and the quotes to DWT – by recorded delivery mail. Tell them that they have seven days to comment or to object – but if they object then they will have to carry out their own inspection by appointment with you. Tell them after that you will be putting the work in hand in respect of the lower of the two quotes. Warn them that if you haven't heard from them satisfactorily at the end of the seven days then you will be sending them a letter of claim giving them 14 days and then you will start legal proceedings for the value of the lower of the two quotes plus any costs. Once again, you are on the edge of bringing a legal action here – and you have to be satisfied that you are going to go ahead. If you aren't, then don't bother to send these letters – but then I don't know what you will do. Don't bluff. You will lose credibility. The timeline is to send these off – seven days – then letter of claim giving 14 days and then on day 15 you issue the claim. In the intervening period – from now start looking around this website as to how to bring a small claim in the County Court. It's very easy and straightforward for this kind of value but you should know the steps in advance. Find the County Court website – money claim online – and register with them and start preparing your claim. You can save your work as you go. Ask us any questions. However, on day 15 you click the claim off. If DWT come back to you with anything less then full cooperation – or settlement – then you continue on the timescale that you have set out. You are taking control now. Debbie diverted and don't get distracted into some protracted exchange of correspondence. You mucked around for 18 months. Now is the time to stop  
    • Im sure they will give you an honest answer 
    • Retention of your data beyond an unsuccessful attempt to fleece you is likely a breach of GDPR, but as you say, that's for another day.
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Welcome!

 

If you have unmanageable debts and are unsure where to start here are some options that we hope you find useful. The areas below in blue text are actually links; click on them for further help and assistance. If you would like further help why not create your own thread? There is lots of help on hand!

 

A very important tip is to ensure that you deal with all of your debts as a whole. If you have a couple of credit debts you should look to make affordable payments to each one, you should never prejudice one firm over another by trying to make reduced payments with one agreement whilst keeping up with another. If you put all debts in the same basket, so to speak, you will be more likely to get your situation sorted quickly.

 

You should also consider looking into whether or not you are able to reclaim any missold payment protection insurance or unfair penalty charges. If you are able to recover a lump-sum you could use it to offer 'full & final' settlements to your creditors. This could allow you to clear a debt in full by paying a reduced sum. We've seen some debts get cleared with some very low percentages indeed.

 

We hope you find the blog useful. We try to keep it as up-to-date as possible.

 

- Our 'Debt Diaries - 10 Steps Blog' -

 

Below you can find links to our dealing with debts blog. In ten steps you'll be able to look forward to a debt-free future:

 

 

- Free Online Tailored Advice -

Three of the leading debt advice charities have created online advice tools which are designed to provide tailored assistance as to the best debt-repayment option. They are certainly worth taking a look at although further advice should be sought from a qualified professional before embarking on your chosen route - especially if you are considering the more formal options such bankruptcy and individual voluntary arrangements (you can read more about these within the ten steps blog - non-priority debts sections).

 

 

 

 

 

For further help and support there are specialist debt help chariities that can offer a wealth of advice. When seeking advice always ensure that you go to a recognised and trusted organisation. There are many commercial firms that often masquarade as a free, not-for-profits firm only to turn around and to try and sell you a product which may not be in your best interests. It's important to remember that commercial firms are there to turn a profit, some of them have very poorly trained 'advisers' that are no more than sales people. Not all commercial firms are bad of course, but we do suggest researching a frim's credentials thoroughly before committing to anything. For FREE advice look no further than the following charities:

 

Edited by Andyorch
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