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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?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • 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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Debt_mountain vs GE Money


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Well I sent for the SAR, got the info ok. Then sent the prelim asking for my money back and they sent a quick reply saying sorry you are not happy, we think it is fair charges but as a guesture of goodwill here is your money.

 

that was easy....quick... are they learning that paying at this stage is cheaper. I have missed out on the interest!!!:mad:

 

I have conditionally accepted this for 2 reasons. 1- they have credited it to my closed account and 2 they must remove the default against me as this was a direct cause of the default in the first place.

 

LBA was sent along with my conditional acceptance, they have 10 days.

If I have helped click my scales....

 

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Hi Dept Mnt.

I'm a bit confused have they refunded your charges ?:confused:

Why have you sent an LBA if they have agreed to settle?:confused:

 

AL;)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Guest ian cognito

Hmmmm interesting don't blame you about payment into account or default, were these storecard charges, not much use in the account are they?

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e28bigalbexley

 

I was sending them a letter asking for the payment in a cheque but also this was the first time I was going to ask for the default removal, I did not have that in my prelim.

 

Don't want to wait for a reply from them saying "no" to the condition I set about the default removal, which is very likely what they will say and then start the 10 day LBA step.

 

Just keeping the timelimit as short as possible.

 

Just have to see what they do now.

If I have helped click my scales....

 

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If it gets as far as Court dont forget to list removal of the default in the 'details of claim' section.

 

Al

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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I am intending claiming back charges from /nationwide, Natwest bank, G.E.Money and Barclaycard and i am seeking advice. I have recieved accounts from Nationwide going back 6 years, what address to i go through to begon claim, i have also received accounts from Barclaycard going back about 3 years.

Re. Natwest i sent a cheque for £5 for my statements which has been cashed but as yet no statements have arrived again do you know who at Natwest do i deal with is it the branch or head offive.

I hope this makes sense as i am not very computer literate with all the jargon and shortcuts so if i am a bit long winded i apologose......thanks tony47

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Guest ian cognito

Tony start your own threads in the relevant forums and then people will be able to answer your questions.

 

The bank forums are at the bottom of the forums homepage.

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Well the cheque has now been sent but still not going to remove the default.

 

MCOL will be issued when my LBA timelimit is up and I will be going for close to £2000 in damages due them not removing my CRA info .

 

Grounds for the MCOL are

1 - Cank charges were unlawful and made up the amount that was defaulted

2 - My contract has ended thefore their right to share also ended.

3 - If is causing me and my family distress and financial hardship (damages)

 

By the time my LBA timeline is up I will have an indication of how my Cabot damages claim is going and it will help me progress GE.......

If I have helped click my scales....

 

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  • 3 weeks later...

Defence due in by Wednesday next week but on the way home got a call from GE solicitors wanting to talk about settlingout of court. He is calling me back on Friday pm to discuss my claim.

 

Excellent

If I have helped click my scales....

 

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  • 3 weeks later...
  • 5 weeks later...
Settled out of court but can't discuss the details as I have a non-disclosure agreement. Sufficient to say both parties are happy.

 

:D :D :D :D :D :D

 

Hi Debt Mountain, by god you are making some progress - well done. I hadn't seen this thread until now. Your mountain seems to be shrinking and I take my hat off to you. Can't wait to see what you are going to do to Cabot .

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