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    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
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    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
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Iqor Chasing an old Ebay debt


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Hi

 

I have received a demand from Iqor with regard to an old Ebay debt which I had forgotten about. I sent them a prove it letter and they have replied with instructions on how to log into a blocked account and view an invoice.

When I followed the instructions The amount which Iqor are demanding differs from the amount stated by Ebay. Iqor say I owe £39,09 and Ebay say it's £31,09. There is also information on the account which says that the last payment was made on 04/03/2006.

My question is, does this mean that because it has been more than 6 years since any form of acknowledgement, the debt is statute barred? Also, if not, should I just pay Ebay the £31,09 and tell Iqor where to get off? :???:

 

Thanks in advance

JJ

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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  • 1 month later...

Now (17th of December) I get a letter from Iqor (dated 7th of December) saying that I have failed to come to a satisfactory arrangement with them so they are going to arrange a doorstep visit. I have printed up the letter from the library and will send it off this afternoon. I have also printed a copy of the letter to give to anyone who turns up demanding any money against this debt, which is statute barred. Should I be doing anything else?

 

JJ

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Suggest sending IQOR the statute barred letter with the doorstep letter combined. Also to add a sentence to state that they need to provide evidence of when the amount to Ebay was allegedly due as you are not aware of this and IQOR have not provided this information when previously requested.

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Wow..they are huge amounts !. Generally Ebay and their DCA minions put much effort into chasing debts but they may in your case.

 

Iqor's statements are all irrelevant, it doesnt really matter if they write to you or turn up at your door, they (as a DCA) have no powers so can be ignored.

 

Personally for such a large amount, if I were Ebay I wouldnt mess about with petty DCA's like Iqor I'd start proceedings against you, have you an actual defence ?. Or at least I'd make an effort to send a genuine NBA letter and follow the CPR Pre Action Protocols. first.

 

This may all be academic as it appears it would be SB, so Ebay have messed up, it is odd they didnt start action over the last 6 years though.

 

Andy

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Thanks guys. Andy the original post states that the amount was £39,09p! I don't really consider this to be a large amount, or was that a joke?

 

JJ

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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Send the Compliance Manager at Iqor the folowing letter by recorded delivery.

 

Ref: as on their letter.

 

Dear sir,

 

 

I refer to your letter dated xx xx xxxx in which you continue to press for payment of an alleged debt in the sum of £ xxx.xx, please note I do not acknoledge any debt to Iqor or any company you may claim to represent.

 

On resarching this matter and taking advice I have concluded that any such alleged debt is statute barred, therefor I will not now or in the future make any payment or offer of payment in regard to this alleged debt.

 

You are reminded that should you wish to claim this allged debt is not statue barred the onus of proof lies entirely with Iqor, and I do NOT have to prove the debt is statute barred.

 

I view of the status of the allged debt you WILL now cease to process ALL data relating to me and remove it from your records immediately.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2012 and the section regarding the pursuit of statute barred debts.

 

This is my Final Response no further correspondence, e-mails or telephone contact will be made.

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Andydd

 

Being ironic ! £39.09. You would be surprised how little can be chased. I had a doorstepper at my address regarding £40 that a relative owed after they moved abroad. The cost of sending the letters etc, must have been a lot more than £40, but I guess that companies have a lot of small debts, which they cannot just write off.

We could do with some help from you.

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Thanks Brigadier

 

 

Your welcom!!

UB these small debts are the bread and butter for DCAs debtors are far mor likely not to contest them just to be rid of the pestilencial DCAs.

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

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Yeah this did cross my mind when I received the initial letter, but I have had dealings with Iqor before and found them to be repugnant at best so I thought I would look into it and low and behold, the debt is SB'd.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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They do use the comma abroad, and I believe that we did at one time.

 

For the last forty or fifty years, or so, I understand that we use a space, or should do.

 

Then again, in the metric system, length is supposed to be stated in metres and millimetres, but "Johnny Foreigner" insists on metres and centimetres.

 

Sam

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