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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
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    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Work not done properly by Northumbrian water


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I had a new connection put in by Northumbrian water.

They dug up the road outside the building to connect the mains to my building.

The issue is that they or their contractors have not laid the road back down properly.

 

Bit of a background

- This is a city centre property so if you can imagine an old listed building with an pedestrian path outside the door and then the main road. Below the path is my basement. 

 

They installed the water meters on the road above where they connected the mains.

The water meters have sunk by around 4"" and all the tarmac around them has cracked leaving holes around the meters.

 

When it rains all the water from the main road is running into the huge cracks in the road and finding its way down to where the pipes enter into my basement.

every time it rains the basement gets quite a bit of water coming into it. 

 

This work was done at the start of January and I have been complaining to them since and they just keep on saying that the contractors will come and fix the road which they haven't done. 

 

The water is now causing major issues not to mention the smell and dampness in the basement which is used as a office by around 3 staff members. 

 

What should I do as they are not doing anything to fix the issue. 

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are you indicating this on a public highway/path?

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. Its a city centre road in Newcastle. So if you can imagine the main water pipes run in the middle of the road. They dug up the road and connected the pipes to my basement which is below the public footpath on the side of the road. 

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go pull the councils chain then!!,

tell them their road is causing a leak and as YOU are responsible for the health and safety of your workforce and this is causing xxxx issues you'll soon be asking them to step in under H&S rules.

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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Where would I even start with the council. It's impossible getting in touch with anyone there.  I paid Northumrian water to do the job. Do I have any legal rights on this matter? Can the water board just do a bad job and walk away? 

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19 minutes ago, Maxim2245 said:

Can the water board just do a bad job and walk away? 

yep

 

20 minutes ago, Maxim2245 said:

Do I have any legal rights on this matter?

nope

 

but the council do.

 

 

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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23 hours ago, Maxim2245 said:

Just spoke with the council and they have advised that I need to take this up with the water board since they have done the job. 

 

But it's the council who bear the responsibility for the maintenance and upkeep of the road and pavement.

 

I would write to the council's Roads department, telling them what has happened, the location of the issue, the problems it's causing you both in terms of damage to your home and the health implications. Tell them that as they bear responsibility for the condition of the road, footpath and any damage caused through its state of disrepair, that you hold them responsible.

 

If they don't respond favourably to that, I suppose it's time to begin gathering engineer's reports about the cause of the issue, and quotations to remedy it. You can then begin the pre-action protocol and, ultimately, begin an action against them and the water board as joint defendant to have it sorted.

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Hi

 

I have to agree with the above post

 

You need to make a Formal Complaint to the Councils Roads Department as they are legally responsible for the condition/maintenance of the Public Roads/Pavements and the buck stops with them irrespective it was a water companies private contractor that dug up the road then supposedly fixed it afterwards but done a shoddy job of it causing your property issues of water ingress.

 

Their Roads Department should be coming out to inspect this issue and then send the water company an enforcement notice to repair this road properly.

 

Where I live last November our entire road was dug up for Gas pipe replacement but outside my property when they re laid the road it was bad so complaint to councils roads dept who in turn came out looked and agreed the road needed re laid and gave the Gas Company 2 options, option 1 come out and carry out the work to re lay the road surface and inspection afterwards or option 2 Enforcement Notice issued. Gas Company took option 1 and done the work properly and council inspected work afterwards.

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anyone that digs up a public highway needs the highways authority's written permission to do so and be a registered highways licenced contractor proving  'competency' from said authority that owns said highway before they ever pickup a shovel!!

 

if they don't carry out the works to the required standards, it's THAT authority that can enforce their rules.

 

 

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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26 minutes ago, Maxim2245 said:

Thanks all. I will speak with the council again and log a compliant. 

 

Do it in writing, don't phone them. If you do end up having to pursue them for the cost of repair, the longer your paper trail is the better. You'll be able to show that you did your best to mitigate the costs for you and for them, but they've refused to engage with you.

 

When you do write to them, it wouldn't hurt to send a copy to the council's legal department too. That might spur them into action. If you do end up having to pursue them legally, it'll be their legal team you'll be dealing with anyway, so no harm in bringing it to their attention immediately.

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