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    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
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    • During that time my credit rating was shot yeah.    I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to.    I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)   I remember  going for the 118 loan at the time and was amazed I got it.  Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄.  I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.    To answer your other question I have not paid any other DCA any monies.  Right now this 118 debt is the only debt I have.    Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far?    Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 
    • Allegedly ......Well thats something for you to address within your statement backed up by evidence by way of exhibits...I have had to edit your previous post referring to this amongst other remarks please refrain from making these statements within your posts and putting the forum at potential risk of liable remarks.
    • Yes she is the sole owner of the house.   swift are horrific, they are so horrid and I am desperate to help her in any way!    I will get these forms completed and I am prepared to battle and fight if needed.    thanks so much talk soon. 
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Damp from next door property causing damage to my property...what to do?


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Hi I am posting this on behalf of a friend. The property next door to him in un-occupied and various failures of the guttering and other issues has caused damp to develop and is now causing damage to his property, a large floor to ceiling crack in the wall adjoining being one of them.  He has had an official survey at his expense confirming the neglect has caused damage. The council are slow to act and are saying they dont have clear evidence despite a survey being done. He has contacted the owner by phone who states he does not have the money to correct the issues but obviously they will worsen causing further damage to his and the adjoining property, the property also looks an eyesore in the nice close its located.

 

Any advice how he should proceed with this would be well received.

 

Thanks in advance.  

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The owner of the property is obliged to have third party insurance so one of the first things you should ask – in writing – is details of their insurer. If it turns out they don't have insurance then this is certainly something that you should inform the council about.

Also I would say that you should tell the council that you are beginning a formal complaint to the local authority ombudsman. It may help to put pressure.

Do you know where the owner actually lives?

Also, assuming that the property in question belongs to that person, then it is an asset and you could eventually enforce against that although it would be complicated having to get an order for sale.

Have you must have an estimate of what it will all cost to have the source of the damp repaired and also damage to your property repaired?

Edited by BankFodder
Not obliged to have insurance
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Sorry, I've just checked. In fact property third party liability insurance is not compulsory.

Do you know if the house belongs to the person out right or is it under a mortgage?

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Yes my friend knows the address of the owner, I will check if he has any estimate of the damage, 

 

Thanks for your responses ! 

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We could do with some help from you.

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You should also doublecheck the ownership of each property by doing a search on the land registry web search website

https://www.gov.uk/search-property-information-land-registry

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Some more info for this case from the owner of the property affected.....

 

I already have a surveyor's report that clearly states the problems are due to rainwater overflowing from his defective gutters causing the clay sub-base to expand and contract, leading to movement in the foundations.  This has in turn fractured the damp proof course and caused the vertical crack in my dining room wall.
 
The report concludes that the remedy is:
1) replacement of next door's gutters
2) removal of plaster from my wall, injection of a new damp proof course and redecoration to be paid for by the owner of number 2.
 
The  council environmental health officer has sent me a summary of her visit that confirmed the council would not be taking on the case because they need a higher burden of proof.  She has referred the issue to the council's Planning Enforcement Team and contacted the Empty Homes Officer for an update.  I was advised to raise the problem with the council's Building Control Department.
 
The only course of action seems to be a civil case.  My surveyor recommended a solicitor.  
 

 

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