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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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Lowells/Great Universal


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If a debt has been written off by a DCA, do they have to stop reporting it as an active default to CRA's?

 

A bit of background....

 

.Lowells bought an old Shop Direct catologue debt back in 2008.

 

I sent them a CA request,

 

they defaulted on this request so I put the account in dispute.

 

I received a letter from them in July 2010 stating that they were closing the account due to the fact the CA was no longer available......

 

Fast forward to this afternoon,

 

and I was going through some old paperwork following our house move and I came across another letter from Lowells dated Aug 2010 stating and I quote...."..

...as a gesture of goodwill and strictly without any admission of liability,

we have decided to close the account and write of any outstanding balance...."

 

From where I see it, that's written evidence that they have written off the debt,

 

the debt ceased to exist as of the date of that letter so thus they should not be still reporting it to the CRA's..

..or have I interpreted it incorrectly..

 

.Any thoughts and guidance would be very much appreciated

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Is it showing a default on CRA files now?

If so you should make a formal complaint to Lowells Data Controller, enclose a copy of that letter and if possible a screen print of the CRA file,demand that the default entries are removed from ALL credit reference agency files.

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

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Is it showing a default on CRA files now?

If so you should make a formal complaint to Lowells Data Controller, enclose a copy of that letter and if possible a screen print of the CRA file,demand that the default entries are removed from ALL credit reference agency files.

yes, sorry I added that info whilst you were replying.....Ok, I'll contact Lowells and make the complaint, any ideas of wording?...Re. Lowells data controller, all I have is their PO Box address, would that be the correct address?

 

thanks in advance

Edited by newdad
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Ok to The Data Controller

Lowell

 

The Enterprise Building

Lsebourne Road

Leeds

LS11

 

Ref: use the one on the 2010 letter..

 

 

Dear Sir or Madam,

 

Formal Complaint

 

I refer to your letter dated xx xx xxxx regarding to an allged debt for £xxx xx in which it is stated that the allged debt and remaining balance has been written off and the account closed, having checked my credit reference files I have found Lowell are continuing to place information on these files, considering that this allged debt was never proved and in fact no longer exisits as your company has ''written off '' the outstanding balance it is manifestly unfair to continue too report to these agencies.

 

I would expect Lowell to remove ALL entries from all agencies to which you have reported this matter.

 

I require confirmation that you have complied with this within 7 working days, after which I shall report the conduct of Lowell to the ICO and FOS without further reference to Lowell

 

Send recorded delivery.

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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I had a similar letter from Lowell, but they also added, "we will remove any defaults registered on your CRA file."

Wouldn't have done much good though as the default was registered 10 years previously and would have dropped off regardless.

As Brig says, do complain - it's always worth the cost of an envelope and recorded delivery. After all, you won't be paying Lowell any more! :D

 

 

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