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    • rather like frightened farages's polices - but it does make them look even more incompetent/bonkers   Farage bought a place in clacton yet - even hired an airbnb for a month?
    • Dog whistle stuff, TJ. It's highly doubtful the Tories will be around to implement this.
    • and just when you think that tory policies just couldn't get worse .. they prove you wrong Teens who refuse national service could get driving licence points under Tory plans Giving young people points on their driving licence if they opt out of national service is one option under discussion   Teens who refuse national service could get driving licence points under Tory plans INEWS.CO.UK Giving young people points on their driving licence if they opt out of national service is one option under discussion  
    • I havnt been able to access the claim form despite resetting passwords etc There are several emails back and to do you want all of them?? clients emails in italics I work long hours so sorry for the slow reply to queries on CAG     email 1-received 2 days after completion  on 18th May 2024 and after he paid in full  20th May 19.44pm I am sorry that I have to let you know how dissatisfied I am  with parts of the room that was completed by yourself. .  The door frames, where it’s all not fitting correctly with gaps and warped timber used. . Skirting boards on the curved parts where it’s been filled with a filla and not even been smoothed out. . The architrave isn’t joining correctly with one piece with a cutting taken out of it. . Sliding door, no stopper was used to stop it going all the way back and isn’t aligned to the floor. . The extractor going into the boiler where a round tubes been used to an oblong pipe. It’s also held on by gaffer tape. . The window hasn’t been packed correctly and one opening window isn’t aligned. . One piece of flooring isn’t sitting flush so will damage very quickly. . The toilet is far too close to the radiator and you can’t get up if sitting down. . The stop tap I cannot get my hand in to be able switch the tap off. . The window you are aware of that’s cracked and you are replacing. I have had to call in another builder to start work on the room next week as it’s made me very depressed.   My reply same day 2hours  later 21.32pm   I am sorry that you have felt the need to call in another builder to carry out the items that you are unhappy with,if you have lost confidence and are distressed then I accept your decision.   I would normally prefer to sort out any issues that I am made aware of before my customer feels the need to bring in somebody else to rectify problems.   If you wish  I can arrange for the replacement glass to be delivered  next week when the other person is there as I will be on holiday or I can fit it on my return and have a conversation with you on how to proceed.   Once more I apologise for any inconvenience and upset that you have felt in this situation   21st May 07.54 am I would prefer for you to fit the window and to fix the small window that isn’t fitting correctly. Also the extractor situation going into the boiler. It’s all the joinery work that will need fixing and moving the toilet.   I have brought in a joiner to fix the issues. Heather will be starting next week as I need it sorting ASAP. Perhaps you could work with him to reduce my costs. As it’s not going to be a cheap jo     21st may  08.45am Morning ........, I am at the hospital today for my ct and mri scan results  Next week I am on holiday so I wont be able to work alongside anybody then either. Do you have an estimate from Heather?  The toilet will be difficult to move to a new position hence me talking it through with you about where it was sited as the work progressed I dont feel this is an error on my part  I dont expect you to pay for rectification of my work and would prefer to do it myself but if the cost is in my opinion reasonable I will support it  The glass is due in sometime this week and if early enough I can come over to re fit it and to pass you back your key as I feel uncomfortable keeping hold of it  As soon as I know anything I will send you a message   22nd May 08.41   I want you to know that I have no bad feelings towards you and when you come to my house you will be made to feel welcome and it won’t be uncomfortable at all. The person isn’t Heather that was a predicted text word.  All want it to have the room finished and the snags completed.  Once again I have no bad feelings towards you. I hope that your visit to the hospital went well yesterday, and it was good news. Have a lovely holiday in Paris.   23rd May 09.08am   Morning ..... thank you for your kind words, I do get anxious about certain things and I haven't been on top form just lately.  The glass is due at the end of this week/ early next and I will arrange with you to come along to re-fit  and other items when I get back from Paris wc 3rd june  My hospital appointment was ok. The scans were apparently clear of metastasis ( spread) but I am being told that I do need to have treatment sooner rather than later now.   I have had 7 years knowing about the cancer and active surveillance has been good as things have been pretty much normal for me, still no great rush, I am leaning towards surgery rather than radiotherapy and likely to have treatment in 2 or 3 months time Thank you once again for your concerns and kind thoughts     My email to client on my return from holiday 3rd June 07.13 am   Good Morning ........ I hope you are well, we had a lovely holiday.   I have arranged that I can call over to your home this week to finish off any issues that you still have. I haven't been notified that the replacement glass is in the warehouse yet but will check it later this morning  Could you send me a revised list of all outstanding jobs so that I can estimate how much time is required  What days/ time after today will be best for you so that I can work around it and make sure that all is complete   3rd June 08.30 The remaining jobs what are left the builder is completing this week. The only job I would like you to do is to replace the window that was cracked and to sort out the opening window that is sloping. I guess it would be easier for you to come towards the end of the week or early next week once the builders have finished so you are not getting in each other's way, if that helps. I will send you a copy of his invoice like you mentioned to help me anyway with the costs.   10th June following telephone conversation I then called to fit the glass only to see that the whole inside works had been changed around I expressed my shock I was asked to pay £1200 towards the cost of the to which I said I wasnt prepared to take responsiblity for all of the changes only the snagging I ask for himto put a proposal in writing  which follows 10th June 11.14am On the 10th June you came to replace the window that was damaged and asked me to submit to you an email with what my outcome I would like it to be.  I understand that you were frustrated that I contacted another builder to fix all the issues that I had come across. This didn’t give you the opportunity to fix the situations. The reason I felt I needed to do this was that if you had left my home leaving the garage conversion to your best standard, I felt how could you improve on the work you have carried out. I want to highlight the issues that I had come across after you had completed the job. . Quality of skirting board that was fitted around the curved wall inside the bathroom and also in the lounge. . Toilet fitted too close to the radiator where you could potentially burn your leg . Hardly no space for you to get off the toilet when sat down, especially if you are tall. . The hot and cold feed were incorrectly placed to the wrong connection on the sink . The vanity unit isn’t suitable due to the position of the stop tap. Small hole cut in the vanity unit base to try and switch the tap off . No caulk used around the door frames . The extractor fan, where you used a plastic round tube, going to a square tube that was held on by gaffer tape. The square tube then went into a round hole on the outside, this was then filled with foam gap. . The pocket door felt like it wasn’t fixed well, the door at the bottom wasn’t sliding on to the runner very well and you had to help it onto the run. Also no lock on the door. . The boiler door frame had to be replaced due to the timber that was used. The door also was replaced due to the door being fitted to fix into the twisted door frame wood. The door had been shaved so it would fit into door frame that was twisted. The architrave used inside the boiler room was short, had a piece taken out of it. The architrave in the toilet wasn’t fitted well. . You used two single sockets for the bathroom and boiler room. Where I only needed to have I double switch. . The door frame going into the garage you left gaps between the wood and the wall. . Door handle not fixed correctly and is stiff . The window, one opening window doesn’t look level, the other you can’t open it and leave it slightly open in a lock position. . Skirting by the radiator, the hole had been cut too big and had just been filled with filler. . One plank of flooring wasn’t fitted flush and my toe caught it sitting upwards.    Like you said today we both are not happy with the outcome, where you hadn’t been given the opportunity to fix the jobs. I had lost  confidence in you completing the list above.  I wish you had looked at the bathroom situation and spoke to me about the vanity unit that wouldn’t fit correctly due to the tap. I would of paid more to get a floating sink unit and a cover built to go over the stop tap. When I had seen it when you had gone I was shocked and couldn’t get my hand in. I also wish you had asked me where I wanted the toilet to go and what the restriction was going to be due to the curved wall.    I am happy to meet half way on the cost of the builder that’s corrected my points above. His total bill came out to £2400.00   15th June 07.08 am Good morning, ........, I can confirm I have received the email I am not in agreement with the contents and as such considering my response  18th June 12.16 Eight days ago I sent you my email that you requested asking me to detail what I wanted and what the issues were. I have had no response from you on what you are going to do.  This is now impacting on my health and it is also making me not to love my home as I used to do. I have now been advised to contact Citizens advice bureau Cheshire East Council Contact small claims court If this is something that I have to do, I will be claiming for full amount of £2400.00. I shall be putting the photographs and videos together with the email on the 23rd of May where you said you get anxious at times and that you haven’t been on top form just lately. I shall give you my bank details if you will be going ahead and paying me £1200.00. If I receive the payment within 72 hours then I will not carry on with the three points I mentioned in this email. I would like to put a close to this matter as this isn’t helpful to you or I and it’s very sad it has come to this.  Regards   19th June 07.07 am Dear ....,First of all and foremost in my mind is that I do not want to fall out with you.   Please bear this in mind in all our communications   Contrary  to your email 18 June 2024 stating I had not replied  to your  previous email for 8 days ,I emailed a reply to you on Saturday Morning (3 days ago) stating that I was considering my response to your request.   I have at all times been prompt with replies and at all times notified you at each stage of the build    I  have followed up all email from you   At this time I haven't made a final decision  but I am not in agreement to pay for the extra work that you had carried at your own request out by ANO   On the 11th June I replaced the broken pane of glass. I expressed my shock at you not having only carried out the minor snags but had also gone ahead without discussing major changes to the walls and flooring and drains.     I was not given the opportunity to remedy any issues that arose from my work, in fact you told me that you had already instructed another builder less than 1 working day after completion and final payment was made   I did request an estimate prior to agreeing that ano rectify any snags.   You took it upon yourself to instruct him and in fact to carry out major works,I certainly have not agreed to pay for this nor to paying for the extra work   If you had bought a car and it developed a fault the next day I am sure you would have taken it back to the garage that you bought it from  not to another and then expect garage 1 to agree to the bill     My expectation was that the snagging would  take me less than 1 day to rectify at a cost to myself less than £300   If you were unhappy with any other aspects of the build I would have discussed them with you to make sure that you became another happy customer.   If I had carried out the minor snags I would not have needed to pay out for a third party and it would have been only time that I had lost   If you are intent on going to the small claims court I shall defend any action vigorously    Please reconsider your position in light of the above.    I do want to bring this to a conclusion as soon as possible to remove the stress  for us both.     19th June 07.37   I am not in agreement with what you have said. I feel £300 doesn’t even cover the materials that had to be used.    I feel that you and I won’t agree so I do feel the only way forward is for me now to go forward to the small claims court.  It will be best for them to make the decision on your side and also my side. Regards     Claim form issued  19th June not been able to download as yet 
    • Yes I was mildly concerned when that came through as it was different to previous ones however nothing then followed other than the same rounds of generic stuff. I do have a couple of acquaintances in regular contact with them despite my advice - they haven't turned nasty yet on them. when there are people doing that rest easy! lol.
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Natwest/Allied International. Do inhibitions or intimations affect time barring?


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My question that I do not seem to get an answer for is this...

 

Is my debt with Natwest time barred or do the inhibition and intimation affect it?

 

I have worked to pay off/clear all my debts totalling about £20k but there is one I just cannot seem to be rid of.

 

An overdraft of £600 that turned into a debt of £8k due to their charges and interests!

 

Here's a brief timeline.

 

. 2006 Default occurred.

 

. 13.9.2011 an inhibition was granted by the Sheriff's court

 

. At this point we had paid back much more than the original £600 and refused to pay any more.

writing to them got us no where.

From this point on we made token payments,

which despite our income and expenditure they said they refused yet still banked.

 

. 10/1/12 last token payment made

 

. We have not acknowledged the debt since or written to them ourselves since January 2012.

 

. 8/10/12 In an effort to sort out our situation we went to the CAB who put an intimation in place.

We never actually used the plan proposed by CAB as it really didn't help us beyond what we were already doing to remedy our full financial situation.

 

. 9/10/2012 Anderson Strathern send an earnings arrestment to the local authority assuming I was working for them.

They disclosed my debt and personal details in a huge breach of data protection.

 

. 15/10/16 We tried to apply to remortgage our home to clean up the last of our debt but the matter of the inhibition came up.

 

I was told they expire after 2 years, now I am told it is 5.

So it possibly hadn't expired when we applied for the remortgage.

This was the only block to our application.

 

There are dates and interest rates missing from the court paperwork completely, and we have letters that give different figures of what we owe (one month £8k then 3 months later £14!)

the discrepancies are multiple.

 

The debt has been passed to various other collection agencies although I'm not sure it's been sold.

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Inhibitions do have limitations:

 

They cannot be applied where prior missives have been concluded or where property is being sold under Power of Sale (following repossession by a mortgage).

 

A Sheriff can limit them if a decree has already been granted e.g. transfer of property to someone else. (Where an inhibition is limited it only applies to the property specified in the action, or by the Sheriff.)

 

It is valid for 5 years from the date it is registered in the Register of Inhibitions and Adjudications.

 

It isn’t valid after the outstanding amount is paid in full, the 5 year period expires or on the death of the debtor. However a pursuer can seek to renew the inhibition. The expenses of the inhibition, including those expenses relating to the discharge of the inhibition also require to be paid by the defender.

 

Regards

 

Andy

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Inhibitions do have limitations:

 

They cannot be applied where prior missives have been concluded or where property is being sold under Power of Sale (following repossession by a mortgage).

 

A Sheriff can limit them if a decree has already been granted e.g. transfer of property to someone else. (Where an inhibition is limited it only applies to the property specified in the action, or by the Sheriff.)

 

It is valid for 5 years from the date it is registered in the Register of Inhibitions and Adjudications.

 

It isn’t valid after the outstanding amount is paid in full, the 5 year period expires or on the death of the debtor. However a pursuer can seek to renew the inhibition. The expenses of the inhibition, including those expenses relating to the discharge of the inhibition also require to be paid by the defender.

 

Regards

 

Andy

 

Does that affect time barring?

 

With this particular debt it should be time barred, but are you saying the inhibition can be renewed regardless?

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only if they have sought to renew it.

 

can you expand on the bit you say its been passd around various debt collectors?

do you mean DCA's

list the names that have cropped up over time with it.

 

WAS IT natwest that did it or they sold the debt and it was a DCA that got the decree then an inhibition?

 

who were you paying till you stopped?

 

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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Natwest got the decree.

 

We were paying Anderson Strathern when we stopped payments. It was our understanding that they were acting solicitors for Natwest. I do not know if Natwest had sold the debt or not.

 

I cannot remember all of the debt collectors and yes I suppose I do mean DCA's but the first was Apex Credit Management, and it's currently Allied International Ltd

Edited by Moobee
answer question in full
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both are total bottom feeders

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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I well believe that. BT's choose to refuse service and turning the ringer off on our landline has worked wonders, but somehow Allied International got hold of my mobile! (I have had the same number for 10 years and am very careful to only hand out to work and family).

 

I have received a letter confirming the last action on the account as the date I have given

 

I just want to know if I can write the statute barred letter or not.

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at some point in the past you have phoned someone from the mobile and the number was captured. Companies sell on lists of peoples details and these and up in the hands of these low lifes.

 

In days before computers and mobile technology you trawled the small ads of Private Eye to see who was selling on improperly obtained data.

 

A lot of data leaks out of call centres in India and you can buy the personal details of say 10000 mobile phone customers for 20p each.

 

Once you have invested you money in that illegal activity you sell on copies or refined data to get your money back and some.

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Person I'd keep quiet

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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