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    • Yeah I figured, unlikely I'll need credit anyway mortgage all paid off etc so I'll take that on the chin and learn from the experience. Probably would've beaten that too had I remembered the protocol, first time ever going through the process though sob it wasn't familiar to me  Oh well  
    • This is my slightly amended WS taking on board your previous comments, any suggestions for amendments would be most appreciated.  Thank you for you time.   1.        I am the Defendant in this matter. 2.        The facts in this statement come from my personal knowledge. 3.        I became aware of original Judgement following a routine credit check on or around 14th September 2020. 4.        The alleged Letter of Claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address. 5.        The Judgement debt was not familiar to me so I began investigations to ascertain what the debt related to and how such a figure had been equated in any event. 6.        I made immediate contact with the Court, the Claimant Solicitors and the Claimants thereafter, asking them to provide me with a copy of the original loan agreement but this was not provided to me.  7.        I sent a Data Subject access Request to Barclays but no agreement was provided – See appendix 1 which details the timeline of communication between myself and Barclaycard as well as copies of correspondence between us. 8.        I do not admit to entering an agreement with Barclaycard in 2000. 9.       The claimant has failed to comply with the additional directions ordered by District Judge Davis and therefore this claim should be automatically struck out.  10.    The claimants have failed to disclose a true executed copy of the original agreement they refer to within the particulars of this claim. They are not entitled to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974 12.   The reconstituted standard Barclaycard agreement that the claimant has included in the court bundle does not satisfy any CCA request and so the claimant is and remains in default of my CCA request and therefore unable to enforce the alleged agreement. 13.  The claimants have failed to provide proof the assignment, such as a deed of assignment. 14.  The claimant has failed to provide a statement of account setting out how the alleged debt accrued under that agreement 15.   Despite numerous requests to the claimant, I have still not seen any evidence, such as an original agreement or deed of assignment, that substantiates the claimant’s assertion that I owe the debt to the claimant, nor evidence of how the debt was accrued. 16.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
    • A set aside application costs £275 which is more than the judgement so not worth it. Not that they would grant a set aside anyway.  Set asides are granted, for example, to people who moved and didn't get the court papers, so have a genuine reason for not defending.  Forgetting doesn't count. Your only choices are to pay up within 30 days, or defy the court and not pay.  If the latter, we've never seen a PPC enforce judgement for a single ticket, ever, you would get away without paying - but you would have a CCJ and a knackered credit file for six years.
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Fat Smelling Smoke Coming From Takeaway


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I have a flat above shops,

 

a new takeaway has just opened downstairs,

I have noticed that there is smoke coming from their filters at the back of the shop,

the smoke is noticeable and smelly and comes into our kitchen and bathroom through the windows,

we have to have the windows shut,

 

tried to talk to them to no avail, it is a Caribbean jerk chicken takeaway, so we can smell the chicken as well as the grease and fat.

 

Is there anything we can do, because when the good weather comes we will not be able to open our windows at the back, our kitchen, bathroom and bedroom will have no ventilation.

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council environmental health officer?

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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Yes, on the face it they are committing a nuisance. Look up the tort of nuisance on the Internet but broadly speaking it is the wrongful interference with the enjoyment of land.

 

Are you renting this property or does it belong to you?

 

I should start keeping a detailed log of the times and dates that the smoke becomes problem. I suggest also that you keep a log of the outside temperatures and how it interferes with your daily enjoyment of your property. Buy a book specifically for this. Preferably a page-a-day diary.

 

Every time you have a conversation with them about it, log the conversation and make sure that you keep the detail of who said what to whom.

 

I think that after you have a log going on for about two or three weeks and also a log of the conversations you have had which have led to nothing, then you should probably think about writing them a gentle letter and then one or two more so that you can lay down a paper trail of reasonable behaviour and amicable approaches.

 

How has the conversation gone so far?

 

What do you think could be done to prevent the problem happening? Do you think that there are works or modifications which could be made to their shop premises to prevent this nuisance? I think it will be helpful to come up with positive suggestions as to potential remedies.

 

The objective of all of this is to try and avoid litigation if possible – but if you have to litigate then to make sure that you are fully prepared so that when you decide to move, you move decisively. It will certainly help a great deal if you can show a pattern of reasonable behaviour, a good paper trail and also constructive and reasonable suggestions as to how the matter might be dealt with before it starts to peak into a conflict

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Yes, team member DX is correct. You could also involve the council – but I still suggest that you approach it gently in the way that I have proposed for about two or three weeks so that if you do decide to get the council involved then you have got a very good clear file of what has happened

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Did they obtain the necessary licencing and planning before they opened? Could be the Council could insist on them doing new fume extraction including a chimney to remove smoke/smells - it could turn out to be very expensive for them.

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Have tried to reason with them, when they were renovating the place and making noises at all times in the evening and week-end, totally ignorant to what I was trying to explain in what times they were allowed to start drilling, hammering it was a nightmare

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Have tried to reason with them, when they were renovating the place and making noises at all times in the evening and week-end, totally ignorant to what I was trying to explain in what times they were allowed to start drilling, hammering it was a nightmare

 

Para I has the answer to above = yes

:mad2::-x:jaw::sad:
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  • 2 months later...

Yes, over twenty years ago, when it closed about five years ago, it has stayed empty since, the filters in the outside extract haven't been changed, that I am sure off, I do have the environmental officer coming out soon, the funny thing is when I phoned them today, they had no idea it was a new takeaway according to the environmental office, I have been contacting them via e-mail, but the response has been slow, so I phoned them today, the foul smell is a paraffin base associated with Caribbean cooking, today is a lovely day and we have to keep the windows closed which is not on

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If the shop was empty for 5 years, there's a good chance that it's not a good location for business, so hopefully they'll be gone before you know it and hopefully replaced by an artist workshop.

As far as i know, there must be an extraction system with fumes directed at a certain distance from windows, that's why you see big silver ducts on side of takeaways going all the way up at chimney level.

Google or council environmental dpt will help you further with regulations.

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I checked scores on doors and all they have is food hygiene rating awaiting inspection by Harrow Council on the 20th of February 2018, nothing else, the silver duct comes out from the back of the takeaway about three feet and points upwards spewing the vile smoke when they start up their ovens, the windows of three flats are affected and I suspect also the flats above us are also, the rooms affected are the kitchen, bathroom and second bedroom

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I checked scores on doors and all they have is food hygiene rating awaiting inspection by Harrow Council on the 20th of February 2018, nothing else,

 

 

 

 

 

 

 

 

That tends to suggest the Council do know about them.

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