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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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    • 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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Problems with MBNA - Deceased mothers credit card debt


muldy
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Hi CaggersPls accept apologies if i have posted this in the wrong thread...Need some advice/pick someones brain or both !!I am currently sorting out the last of my mums debts after she passed away in December 2012.(I am one of 3 executors)I have successfully had all her other debts written off except one....guess who??Yes...MBNA.They are sticking their heels in...and I have already written to them twice to advs that there arent any funds/monies available in any of her accounts. I have also supplied a copy of her last bank statement to prove this.I sent exactly the same letter to all debtors and they are the only one kicking up a a fuss...I have now had another letter saying they would accept xxx amount times xxx payments....I have read up on the web about how to deal with o/s debts relating to deceased persons and as I understand it the creditors (including CC companies) cant ask the deceased persons immediate relatives for monies to personally pay off the debts...Can someone tell me if this is correct or not?? The info on the web says that we arent personally liable. Also please note that Barclays very promplty WROTE OFF my mums debt with them without so much as a "can we have proof??" and that debt was in excess of £6000 !!So we were pleased with that outcomeI am also v tempted to ask MBNA to prove the debt is owed as they have started beiing difficult. They didnt even reply to my statement that we werent liable to pay her debt.Answers on a postcard pls !!Having read with disgust how bad MBNA and the way they treat customers whether exisiting or not it doesnt surprise me in the least....

Edited by muldy
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bugger all they can do

 

shes dead

gone

 

debt goes with her if there is no money in her assets/estate.

 

suggest you tell mbna this one last time

 

and forget about them

 

there cant exactly take her to court!!

 

send them the address of the graveyard too

just incase they are that stupid!!

 

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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If theres no money left after paying for the funeral, any secure creditors and priority debts (gas, elec etc), its tough they have no legal choice but to write it off. Send them a letter of complaint, they have 8 weeks to respond. After this time complain to FOS making sure youy ask for compensation for harassment. Companies like this depend on executors/relatives ignorance of the law to make them pay up. If they took this to court (which they wouldnt), they would be laughed at.

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In that case, once the house is sold you are obliged to pay this debt from the proceedings. Its possible theyv'e carried out a Land Registry search and realised that there entitled to a share (as long as theres equity in the house. If theres not enough equity, you will not be liable for the shortfall). Im suprised that the other credit card companies have written off the debts. If you have not advised them of the property, as an executor, if they find out, you could be in big trouble for not fullfilling your dutities as an executor. All debtors are entitled to payment if theres enough money in the estate. This would be considered to be fraudulent.

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There is an 'estate' with assets so the debt must be paid from the sale of the assets.

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

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As for the other debts that have been written off presumably on the understanding there is no money in the estate, I would seriously think about admitting your mistake. If you distribute the proceeds of the sale to the beneficiaries and they found out, it is the executors who will be liable for the debts. You could also finish up in court for the criminal offence of fraud. Unless of course you told them about the house and they still agreed to write the debt off, which I find highly unlikely.

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