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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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I'm sorry your unhappy with the charges!


jonnytub
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Well of course you are, because I'm claiming them back!

 

I've just received my letter from Barclays after sending the second letter from the library section (the one that gives them 2 weeks to respond before the LBA is sent) and I wonder if you knowledgable people could help. The letter states that they are ;looking into my complaint' and the timescale they give is and I quote:

 

"May I take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot gaurantee that we will do so. Sometimes it does take longer to fully investigate a complaint. However we aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report on our progress will be sent to you within eight weeks."

 

So my question is, should I still send the LBA as I said I would in the second letter after the weeks have expired?

 

Thanks for any response.

 

John.

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Hi......Don't let these arrogant bullies run the show!.... stick to your own agenda and the tried and tested procedure initiated from this site... Give them an inch and they will take more money from your account and try to intimidate and sway you as much as possible.

 

Jendoc

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

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Just a quick question, I'm helping my brother do the same thing with his bank (HSBC) and we've got him as far as ready to send the schedule of charges, we used the spreadsheet from this site (as I did with mine), now I can't remember what I put in my letter (and I'm at work so get it off my copies) but does he include the full amount of his claim (as shown in the spreadsheet) or the full amount of his claim plus the 8% interest (as shown in the spreadsheet)?

 

I know I got mine right as I followed the instrucions to the letter but my memory is worse than that of a goldfish'.

 

You send off the Prelim letter and print out a copy of the schedule before 8%. In fact, print two, you'll need the second in two weeks when you should send the LBA .

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thank you for the prompt response Welshman.

 

You must have poked some memory cells, now I remember, I'm in fact ready to send my LBA off in two days but at least now I can pass the info on to my brother about which parts to include in his claim.

 

Thanks again.

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Hi people,

 

Tommorow is time up day, they've had the 2 weeks and I'm now ready to post my LBA so it lands on their desks exactly as promised. I would appreciate it if anyone could have a quick look over my LBA before I post it (details removed) as I'm claiming for two accounts in one letter.

 

The letter is here http://www.lwc.org.uk/letter.html

 

Thank you for any response, you've all been very supportive!

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Think you should stick with the LBA in the templates. There is a proper step-by-step system outlined in the faq's which has been used successfully by thousands of us. Each step/template letter is there for a good reason - i.e. they work. If you stick to this tried & tested method you should eventually end up getting your charges back. Good luck.

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Hi jonnytub.

 

The link you provided is not very clear (well not on my pc anyway) but it's just legible enough to see that it is more or less the template provided in this site. If that's the case then you'll be fine. Again, just remember to attach the schedule of charges (without the 8% interest).

 

Steve and Michael were only trying to help by the way. They aren't going to guide you down the wrong path because they are on your side as are all of us here.

 

Go get 'em

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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Thanks Welshman, believe me I wasn't having a pop, my spoken word doesn't translate well into text, at least thats my excuse :-) Apologies if that's how I came across, it wasn't intentional.

 

Question, the 8% interest thing, isn't that the overdraft interest I mention in the letter?

 

P.S. The picture should expand to fit 100% it's original size if you click the expand button on the bottom right.

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

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No. The 8% interest doesn't get introduced until Court filing stage.

 

You should edit the text to "I calculate that you have taken £XXXXX. I am enclosing a copy of the schedule of the charges which I am claiming etc etc ...." unless of course that you ARE claiming the overdraft interest from your statements. I didn't.

 

Hope this helps you (Typing doesn't always come across in the correct way - you don't get to see the facial expressions and body language)

To follow my case progress, click here to see where I'm at right now.

 

Welshman

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