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    • Which Court have you received the claim from?  CIVIL NATIONAL BUSINESS CENTRE, NORTHAMPTON Name of the Claimant?  LOWELL PORTFOLIO LTD How many defendant's joint or self?  SELF Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  03 MAY 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  THE CLAIM IS FOR THE SUM OF £6000 DUE TO THE DEFENDANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER ACT 1974 FOR A LLOYDS BANKING GROUP PLC ACCOUNT WITH AN ACCOUNT REFERENCE OF (ACCOUNT NO. 16 DIGITS LONG). THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL PAYMENTS REQUIRED BY THE AGREEMENT AND A DEFAULT NOTICE WAS SERVED UNDER S.87(1) OF THE CONSUMER ACT 1974 WHICH HAS NOT BEEN COMPLIED WITH. THE DEBT WAS LEGALLY ASSIGNED TO THE CLAIMANT ON (DATE) NOVEEMBER 2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. THE CLAIM INCLUDES STATUORY INTEREST UNDER S.69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8% PER ANNUM FOR THE DATE PF ASSIGNMENT TO THE DATE OF ISSUE OF THESE PROCEEDINGS IN THE SUMBE OF £0.00. THE CLAIMANT CLAIMS THE SUM OF £6000. What is the total value of the claim? £6500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES, NOTICES OF CLAIM.  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   Do you recall how you entered into the agreement...On line /In branch/By post?  I DONT RECALL   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  NO   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.  DEBT PURCHASER.   Were you aware the account had been assigned – did you receive a Notice of Assignment? THE FIRST I RECALL WAS A LETTER FROM LOWELL SAYING THEY NOW OWNED THE DEBT.  Did you receive a Default Notice from the original creditor?  NOT THAT I RECALL OR BEEN PROVIDED WITH THROUGH CCA REQUESTS  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  NO, I RECEIEVED LETTERS OF CLAIMS   Why did you cease payments?  I WAS UNDER MEDICAL CARE WHICH CAUSED ME NOT TO WORK. AROUND THAT TIME LOWELL HAD WANTED ME TO INCREASE MY PAYMENTS AS IT WOULD TAKE TOO LONG TO CLEAR THE DEBT. I HAD BEEN PAYING THEM WHAT I WAS PAYING THE BANK. I EXPLAINED MY THEN HEALTH & FINANCIAL POSITION AND THAT I WAS UNABLE TO DO SO. THEY PUT A HOLD ON MY ACCOUNT FOR A FEW MONTHS SO I CANCELLED MY DIRECT DEBIT. I MADE A FULL AND FINAL OFFER WHICH WAS REJECTED. WHEN THEY WANTED PAYMENTS TO RESUME I EXPLAINED I WAS IN A WORSE FINANCIAL POSITION, STILL UNDERTAKING TREATMENT AND NOW UNEMPLOYED SO COULD NOT START PAYMENTS AS THEY WANTED. AFTER SENDING MY FINANCIAL SPREADSHEET THEY KEPT SENDING LETTERS ASKING WHAT I WAS GOING TO DO. I COULDN’T SEE A WAY FORWARD I FELT STREESSED AND UNDER PRESSURE SO WROTE THAT I WOULD NOT BE CORRESPONDING WITH THEM ANYMORE.    What was the date of your last payment? NOVEMBER / DECEMBER 2018   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? I COMMUNICATED MY FINANCIAL PROBLEMS WITH THE CREDIT CARD COMPANY, WE MADE A MONTHLY PAYMENT AGREEMENT WHICH WAS KEPT FOR SEVERAL YEARS UNTIL DEBT WAS SOLD.  
    • Perhaps you would care to read this and reflect on your continuing comparison of Israel to Nazi Germany Jugg    ALEX BRUMMER: How grotesque of pro-Palestine protesters to besmirch Auschwitz, the place where my grandparents died WWW.DAILYMAIL.CO.UK As the son of a refugee from the horrors of the Holocaust, I can feel nothing but contempt for the ignorance, gross... My elderly aunt Sussie and cousin Sheindy had been teenagers at Auschwitz and Belsen but survived and are alive to this day. What they will make of the protesters who waved flags, heckled and chanted as Israelis took part in the March Of The Living – the annual walk from Auschwitz to Birkenau – I cannot imagine. The images now circulating of the protesters are indescribably disturbing. They can only bring back memories of those final moments Sheindy shared with my grandparents when my grandmother Fanya squeezed her hand and told her to lie about her age to avoid the gas chambers. Claiming she was older, and could work, meant that Sheindy lived, not died. The outrage perpetrated by Hamas on October 7 has brought back the most terrifying memories for these two women – memories of pillage, mutilation and starvation. The Holocaust, or Shoah to use the Hebrew word, was the deliberate, industrial-scale killing of Jews.  It is bad enough that pro-Palestinian and pro-Hamas sympathisers have chosen to steal the language of the Holocaust.  Any comparison between Israel's retaliation and the monstrous genocide of the 1940s is odious and anti-Semitic
    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
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Large trees encroaching into garden


nickm911
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This is a little different to the typical 'my neighbours trees are hanging over'.

Key points;

  • I bought the property in 2021, and the trees were present then. 
  • The land is owned by the Nottinghamshire Wildlife Trust, and is whats they call a "Conservation Park"
  • The trees are around 40 feet high, and overhang the garden by about 15 feet (about half of the garden).
  • I have nothing in the deeds or other documentation that mentions anything about the trees or their upkeep. 
  • I emailed the trust last year asking if they could trim the trees so they no longer over hang the garden (I dont really mind the height). Their reply was that they review the review the trees once a year and if they deem them to need cutting, they will. Alternately I can pay for someone to cut the trees back. 

My main concern is damage to people or property. There have been a few large branches fall in the wind, fortunately no damage was done.
Do I have any legal right to demand the trees are cut back?

IBB.CO

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Doc1.pdf

Edited by nickm911
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Yes you do. They amount to a trespass and you are entitled to lop the branches until they no longer overhang your garden.

I would suggest that you obtain a quote for this. Two quotes will be better – and then provide them to the Trust and inform them that you have contacted them already, that they have been uncooperative – that you're not prepared to do things according to their timescale.
The on their advice you are preparing to have the trees cut down by your own people that you will be looking to the trust for reimbursement and you are providing to quotations.

If they think they can do a cheaper job then they should respond within seven days and object to the quotations and come up with their alternative suggestions.
Tell them that the quotation will be not only for lopping the branches but also for the removal of the branches from your property and that they will be returned to the trust – once again at their expense.

 

 

You could also say that you prefer to get things done amicably so you are inviting them around for a cuppa tea to discuss the matter and you would suggest that that would be the best way forward

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Purely from a stylistic point of view, you have used the word concern that these five times before I gave up counting.

I wouldn't bleat on about health and safety. It sounds a bit pompous and also invokes rules which you don't particularly know – nor do I.

Simply talk about the danger. Emphasise danger – dangerous condition.

Also, you have drawn their attention to this before and if I were you I'd start off by referring to this. I think it's very important to emphasise that you have tried to deal with them before.

 

Quote

As you know, the issue of the danger posed by the trees which are overhanging my property has been drawn to your attention a year ago and you responded that blah blah blah…

Why haven't you simply got a written report? You should have a written report and quotation. Not simply refer them to a telephone number which they can call

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I too have a very overgrown tree overhanging my back fence. I have written to the occupiers (I don’t know if house is owned or rented) on two occasions and politely raised my concerns. I asked that if they were not the owners could they kindly pass on my letters to the owner/landlord; no replies received.

 

Last year I paid tree surgeons to cut down the overgrowth on my side but it has regrown and the tree itself is looking dangerously high, causing a lot of movement in the strong winds we have encountered this year, with some larger branches looking to be on the verge of breaking. I have sought advice from the local council, but again no response so far.

As well as the above, the tree sheds it leaves all over the back area of my garden leaving considerable mess as the leaves rot for me to clear up.

is there any way to go from here please?

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  • 6 months later...

Thanks. 

I sent the Nottinghamshire wildlife trust an email this week as suggested above, outlining the concerns of the dangerous condition, the quote/report from a tree surgeon. I also included a few photos that shows high broken branches. 
This was the reply I received.

 

Quote

Thank you for your email and I am sorry to hear of your continued concerns in relation to the overhanging trees at your property.

 

Every tree will provide an inherent risk over its life, and this presents a challenge to land managers where people are close to trees or woodlands under their management. Our reserve team therefore conduct annual tree safety inspections across our nature reserves and where appropriate we will deliver management to control the risks identified, however we cannot fell or manage every tree that raises the concerns, otherwise we would have no wooded areas left across our reserves, and we do not have the resource to routinely trim back branches that encroach over the boundaries of over 40 nature reserves.

 

The trees at Beacon Hill Conservation Park will have therefore had tree safety surveys completed since you had contacted the Trust and if work has not been delivered it will have been because the survey did not find the specific tree to be considered dangerous at the time of the survey. The latest survey was by a third party arborist who produced a report that has identified trees that require work this winter, the trees identified for removal have been tagged with a red spot so it is therefore possible that the tree in question will be included within this winter’s programme, particularly as it is located next to residential property – this work is due to commence in the next 2 weeks.

 

The Level 4 Arborist Report was a requirement set out by the Planning Authority for us to gain consent to deliver management to the trees within the woodland at Beacon Hill Conservation Park. All of the trees within the woodland area are covered by a Tree Preservation Order (TPO), the order, which is set up by the Planning Authority, prohibits the cutting down, lopping, uprooting or wilful damage to a protected tree or trees without their formal written consent. It would therefore be an offence to deliver any of this work without their consent, with the potential for up to unlimited fines depending on the level of the offence.

 

Therefore, while a neighbour would usually have the right to cut back vegetation growth which extends over the property boundary, with the TPO in place at Beacon Hill you would first require consent from the Planning Authority and the work would need to be delivered at the appropriate time of year. Assuming consent was given, and the work delivered at the appropriate time of year this would be fine. However, if the contractor intended to work from our property, we would need to review the work and provide consent so that we can ensure the work was delivered in such a way that it does not pose a significant risk to the contractor, visitors or property. We would not however be liable for the costs incurred for the delivery of the work.

 

However, with the work due to take place in the next two weeks it would be worth checking whether the tree has been marked as it would therefore be due to be removed. 

 

Regards

 

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On 27/06/2023 at 14:10, BankFodder said:

 so you are inviting them around for a cuppa tea to discuss the matter

This is a good idea; make sure to have tea in the garden. Then they might see your point of view, drinking tea with a 40-foot tree hanging over their shoulder. Especially if the wind picks up...

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Just now, Grotesque said:

This is a good idea; make sure to have tea in the garden. Then they might see your point of view, drinking tea with a 40-foot tree hanging over their shoulder. Especially if the wind picks up...

My email said they are welcome to visit and view the trees from my side. 

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  • 2 weeks later...

I have a slight update on this. 
The Notts Trust hired a 3rd party to review and fell trees in the conservation area just recently. 
Unfortunately they didn't touch the tree that hangs over my garden, but they did close all the footpaths that run behind there and put up these signs. 

I think this give more weight to my argument that the trees need removing

Screenshot-2024-02-07-110039.png

 

Edited by nickm911
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They certainly seem to have owned up to the fact that they are a) legally responsible for a tree overhanging your property, per their correspondence, and b) it is which may collapse at any minute, per their very official signs.

As you suggest, if these trees are dangerous enough to forbid the general public proximity to, they are surely equally too dangerous to allow encroachment onto private property.

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