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    • Yup sounds it !  I did mention to the salesman I hold no issue with him because I think he did his part  Servicing would have prepped the car, ticked the boxes and handed it over to say now go sell this.  He could be the worlds biggest car fanatic or the best salesman with no knowledge about cars so I can't expect him to have known or to even checked after the MPC.   I will ask if its just easier sending a tyre fitter or getting it done locally - at just over £400, its silly to send two people down, do 100+ miles in the Q3 + 100+ to get here and back + workshop time + ultimately new tyres (I assume)  
    • Thanks. It looks as if they are behaving very responsibly so far. Keep a close eye on it though and keep good notes of everything that happens.
    • Salesman just called essentially saying they will be speaking to the various managers tomorrow to put together a plan of action - more to the point, its looking like they would come to me, pick the car up and take it back to PA to resolve the issues if I am not comfortable driving it up myself.   Lets see what they come back with tomorrow and go from there- He did ask if I had a car and I said yes - in hindsight I am now thinking its because we could be without the Q3 for a few days so this might also need to be raised as the "owner " is a heavily pregnant person hence the upgrade and don't want her to be carless if I am out at work and she needs to go for a scan/app ...   Will update tomorrow
    • “He’s not a conservative. He’s got no backbone or genuine deals. He’s incompetent.” “U-turn after, U-turn, incompetent move after incompetent move,”   for those that want to google it
    • Cryptocurrencies are being added to one of the world's biggest online payment networks. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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We have a damp problem in a party wall in a Victorian terrace. 

 

Both I and my neighbour have single storey extensions at the back (actually the front, but the back as originally built...) with roof terrace / patio area above, and a brick wall dividing the two terraces. This is standard in the road.

(They also have a small conservatory joined to the first floor over part of their roof terrace)

 

Some years ago we noticed that the internal party wall below the terrace was showing some signs of damp.

We asked the neighbours if they had noticed a similar issue but they refused to engage with us.

We hoped it was a condensation issue, and it was only occasional. 

 

Over the years the dampness has got more frequent, and a couple of years ago we had our terrace completely redone, with the old flooring removed, new felting put down, new lead flashing, and decking on top. I stripped the wall below back to plaster and re-papered and painted.

 

Last year the damp returned, but much more noticeably.

We use a dehumidifier and can "extract" a couple of pints of water from the downstairs hallway sometimes - regardless of weather.

There is black mould at the top of the wall, and it's clear the damp is coming top-down.

I've lifted all our decking, put sealant along all felt joints, and silicone sealer between the lead flashing and brickwork that forms the dividing wall between terraces. 

 

Since then there've been occasions when there has been surface water running down the wall, even when it's not rained. 

We're pretty certain it's when the neighbour waters plants on the terrace. 

 

The neighbours still won't engage, but we have persistent black mould, the paper is peeling off and the wall is wet from the top. 

To check it's not our roof, at times when the wall has been dry I've thrown buckets of water at our side of the dividing wall on the terrace (and this obviously drains down onto the felting below the decking). The downstairs interior wall is unaffected by this - confirming the problem is coming from the neighbour's side.

 

So what to do?

Is this something we should be referring to our insurers?

If the neighbours fail to fix the root cause (which is presumably perished roofing under their conservatory, or blocked drainage etc),

is there anything we can do to stop it affecting us? 

 

The internal wall is structural so I'm not really sure how a builder would approach the problem without access from the neighbour's side too.

 

We're planning on selling within the next 2 - 3 years but in its present state it's hard to see how someone would take it on, at least without a big price drop. 

 

Any suggestions very welcome! 

 

wall.jpg

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Why would you not inform the insurer?  is there any downside? 

In fact they might even say that by not informing them immediately you have allowed the situation to deteriorate and to become more expensive.

I think that you should inform them.

 

Have you had any expert opinions as to the source of the problem?  Is it sure that it comes from next door?

It probably does but if you can provide expert evidence that it does then you could also consider a claim in nuisance as I would say that they have a duty to address the problem in order to prevent it affecting you

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can you get some phots of the roof and eaves ect without trespassing on his property?

insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move

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Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides. 

Anyway, some next steps for us to take so thanks again.

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