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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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    • 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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Cash Genie received 14 day cancellation - but tried to debit my account anyway.


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I recently sent Cash Genie a 14 day cancellation notice, which I know they received as I got a text from them to say they wanted to 'discuss' the said letter.

 

This morning, however, they have still tried to take a debit from my account. This was unsuccessful but in any case the point is that they do not seem to have taken my cancellation request into consideration.

 

My question is; is it enough that Cash Genie have received the said cancellation for it to stand, or do they have to explicitly confirm that they have accepted the request? An odd question I know but they want me to reply to them by 8pm tonight in regards to the declined payment. I want to know what I can say to them especially in regards to the cancellation that I requested many days ago (within the 14 days) and that this obviously 'cancelled' the agreement between us, which included the debit that was due today.

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Update - Cash Genie emailed me today regarding the declined payment and I've replied to them.

In regards to my earlier question about whether they needed to specifically accept my request, I think I've answered it as I've just had a read of the Consumer Credit Act regulations, Section 66A and it says that the request is deemed as received by the creditors (and I assume therefore actionable) on the day it was sent.

 

I have just sent them this:

 

I write in relation to the email that I have received from you today. I have also received the same email from your colleague, xxxxxxx, in regards to this matter but I will respond to you.

I wish to make you aware that, on the 30th January 2012, I notified Cash Genie that I wished to cancel the agreement between ourselves, within 14 days as specified under Section 66A of the Consumer Credit Act as well as is detailed within the contract you have supplied me with on the 21st January 2012.

 

In addition, I explicitly requested that you stop any attempt(s) from the date of cancellation to take any fees, charges or payments relating to the said agreement, in any of the ways and manners set out in Clause 9.6 of the agreement between ourselves.

 

Therefore, I do not understand why your company have made an attempt to debit my bank account today as the agreement in its previous form is no longer in effect.

 

I wish to be informed of the amount that is currently outstanding to Cash Genie, and I trust that you will supply me with a total of the amount due along with a breakdown of the components of the said amount. "

 

Note the sneaky clause that is in their contract; it is worded in a round about way but basically states they can debit your account as and when they feel like to get payment of interest, charges, fees etc. and that you must specifically ask for this part of the contract to be cancelled to stop this happening. I'm sure that the Consumer Credit Act makes provision for this, in that cancelling the agreement automatically stops any further fees, debits, charges etc, but I just wanted to cover myself in any case.

 

I'll keep you updated...

 

 

Edited by BrownEggs
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OK you'll have to bear with me because I'm bit of a thicko (apparently) - what are you trying to achieve?

Edited by asmilecostsnothing
removal

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Really all I know is don't mess with Cash Genie.

 

Their charges/balance rises starts at 5.30pm on the day a payment is due, if you speak to them

it was only doing this that probably once saved me !

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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