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    • Well it adds up which is an Apollo 11 achievement!   Does simeon need reminding again that it is HIS responsibilty to make sure that all the Exhibits are correctly labelled, ordered and numbered etc, and that they are all correctly cross-referenced in the particulars?  Because we can't check that remotely.   The only remaining thing (which I think would be helpful to have added but is not a necessity) is a list or schedule of exhibits.  It just helps to introduce the exhibits.  But simeon will have to produce that himself - so it may be advisable not to bother...   But I don't want to rock the boat any further and am happy with #165 - unless there are any glaring errors I've not noticed.   [EDIT:  cross posted with 166 and 167.  I will check 165 over as well]
    • No this is (£387.12 for Rubble) not (£8387.12 ) Repairs is £8000.00 and £5190.00 for unfinished work
    • The figures now match, so as far as I'm concerned that's that.   If there is duplication then that's the OP's look out, there has been nearly a year to make simple lists of costs.   I think "the three of us" should have a last read through.   It's up to Simeon to make sure the references to the exhibits are accurate, they certainly weren't accurate in the version I've just edited, in fact they were contradictory, but that's up to him.   If the "three of us" don't see any obvious errors then the document is good to go tomorrow morning (not as the last minute).
    • We might, finally, be there -   Particulars of Counterclaim   1.     The original Claimant agreed to undertake building work (Project 1) at the original Defendant/now Part 20 Counterclaimant’s property in relation to 3 specific areas of work for an agreed price of £4300.  The work was:   a. To underpin the bay window at the property, b. To replace and repair a previously-removed chimney breast and, c. To install a new beam to the patio door.   2.      It was agreed that Project 1 was to be carried out under the instructions of a structural engineer engaged by the Defendant/Part 20 Counterclaimant and that the Claimant’s work would be as a result of instructions received following the structural engineer's assessment of the property.   3.      Between June and July in 2020 the Defendant/Part 20 Counterclaimant provided the Claimant with a full copy of the structural engineer's report which detailed instructions to the Claimant for the works to be carried out.   4.      It was agreed between the parties that the works would commence on 13 August 2020.   5.      It was agreed between the parties that payments for Project 1 would be made in three instalments. The first payment would be made at the start of the Claimant's work. The second payment would be paid at the halfway point of the Claimant's work. The final payment would be made on completion of the total works.   6.      The Claimant commenced work on 13 August 2020 and the first instalment due was paid.     7.      On 24 August 2020 the Claimant asked the Defendant/Part 20 Counterclaimant to arrange an inspection of his work by the Building Control Inspector.  The Claimant also stated that Project 1 was approaching mid-way and the Defendant/Part 20 Counterclaimant paid the second instalment due.   8.      The Building Inspector arrived to inspect the Claimant’s work but the Claimant was absent.  The Inspector was obviously very displeased by the standard of the Claimant's work.  The Inspector spoke to the Claimant by telephone, asking him why he was absent and interrogating him about the work he had done.  The Inspector then gave him some instructions over the telephone and also left a list of instructions with the Defendant/Part 20 Counterclaimant to be passed on to the builder.  The Building Inspector then said he would be getting in touch with the Defendant/Part 20 Counterclaimant’s structural engineer with his findings and the Defendant/Part 20 Counterclaimant should hear from the engineer soon.   9.      The Defendant/Part 20 Counterclaimant passed on the Building Inspector’s instructions to the Claimant who agreed to follow them.   10.    The structural engineer visited and recommended piling to complete the underpinning for Project 1.  The Claimant explained that he could not undertake this work. The structural engineer then suggested an alternative company to the Defendant/Part 20 Counterclaimant to do the necessary work and this company was engaged by the Defendant/Part 20 Counterclaimant to complete the necessary piling at an additional cost to the Defendant/Part 20 Counterclaimant of £3000 (see receipt, Exhibit 1).   11.    The Claimant asked if the Defendant/Part 20 Counterclaimant needed any more work to be done and, despite the problems encountered on Project 1, the Defendant/Part 20 Counterclaimant agreed on 7 September 2020 to have more work done (Project 2) at an agreed price of £2580 and on similar payment terms to Project 1.   12.    As work commenced on Project 2 and was continuing on the remaining work for Project 1, the Defendant/Part 20 Counterclaimant had occasion to make several complaints to the Claimant regarding the standard of his work.   13.   Barely a week after starting on Project 2, the Claimant demanded payment for that work.  After a period of negotiation the Defendant/Part 20 Counterclaimant paid the Claimant £1500 in cash.  Both parties agreed that this left a balance outstanding on Project 2 of £1080.   14.    It later came to the Defendant/Part 20 Counterclaimant’s attention that the Claimant had removed material (including a steel beam) from the Defendant/Part 20 Counterclaimant’s property that the Defendant/Part 20 Counterclaimant suspected either belonged to him or had been paid for by him in connection with Project 1.  When the Claimant challenged the Defendant he admitted he had done this.  The Defendant/Part 20 Counterclaimant has included the value of this material in his counterclaim detailed below.   15.    On 21 September 2020 the Defendant/Part 20 Counterclaimant highlighted and sent a snagging list to the Claimant (Exhibit 2).  Over a month later the Claimant sent an employee to attend to this work.  It was not carried out satisfactorily and resulted in an updated snagging list being sent to the claimant (Exhibit 3).  All of this snagging work remains undone by the Claimant.   16.   Apart from the outstanding snagging work referred to in para 16 above, the Claimant also left other work from Projects 1 and 2 uncompleted.  That work which was not completed is listed in Exhibit 4.   17.   During the course of carrying out work on Projects 1 and 2 the Claimant also negligently caused substantial damage to the Defendant/Part 20 Counterclaimant’s property (as itemised in Exhibit 5) by not executing the work with the skill expected of a reasonable tradesman.   18.   The Defendant/Part 20 Counterclaimant seeks an order from the court directing the Claimant to pay to the Defendant/Part 20 Counterclaimant the sum of £16,577.12 in respect of:   (a)   the cost of the piling referred to in para 10 above which the Claimant could not undertake and another contractor had to be paid to complete, £3,000.00, Exhibit 1; (b)   the cost of completing work the Claimant had left undone from Projects 1 and 2 referred to in paras 15 & 16 above, £5,190.00, Exhibits 2 & 3 & 4; (c)   the cost of remedial work to put right the damage negligently caused by the Claimant and referred to in para 17 above, £8387.12, Exhibit 5; (d)  the cost of the steel beam referred to in para 14 above.  This has not yet been costed.   19.   In addition to the amount in paragraph 18 above, the Defendant/Part 20 Counterclaimant also claims 8% interest under the County Courts Act 1984 from 26 October 2020 which was the last day the builder or one of his colleagues worked at the property     STATEMENT OF TRUTH   I believe that the facts stated in this particulars of counterclaim are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
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Income and expenditure over the phone


italy
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I have set up plans with various creditors.all have different procedures. But 2 in particular insist on doing income and expenditure over the phone which is difficult as companies have different forms. My question is do you have to do the income and expenditure over the phone or can i insist i send it in to them

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No you can insist you do it in writting and you are not obliged to do it at all, it's your money and YOU TELL THEM what you can afford not them!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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sO THEY CANNOT SAY THEY ARE THE MOST IMPORTANT DEBT AND I WILL HAVE TO RENEGOGIATE WITH MY OTHER CREDITORS aLSO THEY THEY HAVE GIVEN ME 6 MONTHS AND MY OFFER IS NOT ACCEPTABLE SO THEY WANT TO INCREASE IT

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no.

 

please list your creditors

 

have you CCA 'd them all

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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SOME YEARS AGO I WAS CAUGHT OUT BY A COMPANY THAT CLAIMED THEY WOULD LOOK AT THE CREDIT AGREEMENT.

 

i MISTAKENLY PAID OUT AND THEY WENT BUST.

 

i HAVE SINCE GOT BACK THE UNFAIR CHARGES.

 

ALL I WANT IS TO PAY MY DEBT AND BE ABLE TO SUPPORT MY FAMILY

 

BUT ALL THESE COMPANIES DO IS PUSH AND PUSH NO THATS UNFAIR

 

SOME HAVE BEEN REASONABLE AND THE STAFF HAVE BEEN VERY HELPFUL

 

OTHERS HAVE BEEN RUDE REDUCED ME TO TEARS SLEEPLESS NIGHTS ETC.

 

WHEN I AM TRYING TO WORK WITH THEM.

 

sORRY I WAS NOT GOING TO GET EMOTIONAL AS ITS MY MESS AND I HAVE TO DEAL WITH IT. iTS JUST SO FRUSTRATING.....

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All unsecured debts are unimportant compared to your family life and living without hardship to you and yours. YOU are in charge!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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THANK YOU YES I AM. i CAME ON THIS SITE IN 2008 ON THE START OF WHAT HAS BEEN A HARD EXPERIENCE. MEMBERS HERE HAVE HELPED ME WITH THEIR ADVICE AND I APPRECIATE THAT. WHEN THE CALL COMES TOMORROW AT 830 AS IT ALWAYS DOES I WILL TAKE YOUR ADVICE AND TELL THEM WHAT I CAN AFFORD

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Good, you could also that you have completed an I&E and find you can only afford half of the original offer!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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can i advise that you STOP talking on the phone to ALL your ceditors/dca's

 

have you ever looked at your CRA file?

 

do aLL these debts show?

 

have you asked everyone that is wanting your to pay them

if they have a copy of the agreement for the debt?

 

it would help us to help you

 

if you listed all you debts and to whom you are paying them too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am sorry italy but I am going to request...

 

Please can you avoid typing with caps lock on? It makes your posts hard to read and will probably put some people off reading. The quality of your advice might suffer as a result.

 

Sorry to be picky. And thanks in advance.

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I am sorry italy but I am going to request...

 

Please can you avoid typing with caps lock on? It makes your posts hard to read and will probably put some people off reading. The quality of your advice might suffer as a result.

 

Sorry to be picky. And thanks in advance.

 

Then please do not be picky it matters not how a post is made!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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When you say ask for the agreements what can this do?

 

Can you direct me to a place on the site to read up on this because this is what we paid ratio money to do for us

and as you will know they went out of business and we lost our money

Thank you

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it looks like you've been had here

 

all of this you can do yourself

 

can i suggest you read the linkin my sig below

 

 

 

Sort Your Debts Now - Follow this excellent guide-

here

and some of the other links

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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