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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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Rogers v A & L


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hi we are at the same stage- I actually have re-sent my SAR as did not do it recorded first time - so no idea what the total charges will be yet.

 

I have been reading all the other bank threads as well as FAQ in case it gets tricky - but seeing other posts today it looks as if A&L on the whole are fairly straightforward. fingers crossed:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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good luck , but are registered with online banking you may get your statements that way and slightly quicker!

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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  • 1 month later...

word of advice please make sure you read several threads and the FAQ's this will answer most of your question use Vampiress excel spread sheet as this will calulate all interest (including the 8%)

keep it upto date until you file your MCOL you can only add the 8% at time of filing MCOL but when sending letters pre lim and LBA you add the overdraft interest only

 

have a good read you will find all the answers on the site best to look at success as this will highlight the surprises A & L will tryto put you of!!

 

GOOD LUCK

 

Vicmar

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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hi

 

I think you are - well I have as its a charge its not like the £5.00 a month fee for having an overdraft. I am sure i saw a list of what you can and cant claim for somewhere - its on here i think but there is a bit on the Martin Lewis site that says"

Yet when you go beyond your overdraft limit, or have a cheque or direct debit payment bounce, the bank charges a penalty of £30 to £35 a time. Is a charge of this scale really proportionate? Remember it could simply be a charge for going a penny over the limit." A bit further down he says that normal account fees cannot be included. So I would say yes that they are

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what you can claim is

1, excess overdraft fee

2, bounced cheques

3, failed d/d or s/o

 

also debit intrest related only to the above

 

you can not claim arrangement fees or subscription fees etc

 

hope this helps

 

vicmar

__________________________________

HSBC Full offer accepted!!£3613.39 :D

(Payment paid into bank 29/01/07)!!

_____________________

A & L offer recived in full

account threat of closure

reported to FOS 5/04/07

_____________________

Mint offer accepted in full

_____________________

Studio Pre lim sent 05/04/07

_________________

MBNA SAR sent

_______________________

Awaiting SAR doc from Creation finance

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  • 3 weeks later...
  • 1 month later...

Hi all,

 

After receiving no payment following my LBA, I have progressed my claim onto the courts.

 

I issued my MCOL on 02/05 for a total of £1,200 (inc court fee) and sent the schedule of charges onto the court.

 

I have today received a letter from A & L saying that they believe their charges are fair, blah, blah, and offered a measly £324.50 (chq included) in full and final settlement.

 

Obviously i am not going to accept this and will destroy the cheque. Does anyone have any suggestions of a reply - i was thinking along the lines of 'i do not accept your offer and will only accept £1200.00, enclosing the schedule of charges' - is there any template i can use for this?

 

I have also received a letter from A & L Solicitors, confirming they will defend the claim. is this anything to worry about? anyone been through similar process and can advise what might happen next?

 

any helpful comments much appreciated.

 

Feel free to PM me as well.

 

Regards,

 

Tim

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Hi, Exactly how it happened with me,

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/56153-hi-all.html

Try not to worry,i am waiting for a court date, a&l will dragg it out as long as poss, and wragge and co will try and save their client every penny but we will get there.

Jen

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Thanks Jen,

 

Is there any sort of template for me to reply to A&L rejecting their offer and advising i have destroyed their cheque?

 

how long will this drag out for?

 

Thanks,

 

Tim

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Hi Tim,

 

For rejecting offers see...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

As for how long, I sent my first letter in Feb. I claimed against Barclays and from start to finnish it took 6 months!!! I think it depends on getting a court date and sticking to your schedule but the banks have to drag it out for all those who dont follow it all the way through or settle to early offers.

Jen

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Excellent.

 

When replying i will attach a copy of my schedule of charges.

 

Should i also send a copy to their solicitors or just send it to A & L and they can send it on if they wish?

 

Tim

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Hi Tim, I'd just send it to Wragge & co. Definatly send a schedule everytime you send a letter, put on it 2nd copy, 3rd copy etc. they'll try to say they havent received it or your figure doesnt match theirs etc etc, but if they have had so many copies they cant argue..as much...

jen

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Hi Nicky, When you do your MCOL, use A&L head office address not teir solicitors. If you want to use their group legal it is....

Group legal (A&L)

custome service centre

Narborough

Leicester

LE19 0AL

Hope that helps..

Jen

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Hi

Letter Before Action, the last letter you sent before court action. Have you followed the step by step guide?I have posted on your thread so we're not hijacking.:o :o

jen

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Hello all,

 

I have received the defence papers from Wragge & Co detailing, in 25 points, how their charges are reasonable etc.

 

Has anyone else received something similar?

 

Do I need to respond in any way?

 

Thanks

 

Tim

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Hi Tim, Is there anything in there defence u r unsure about??

You dont have to respond but when i received the defence from Wragge and Co it stated mainly the limitations act saying the charges were fair etc....

I just replied saying that it is for the court to decide on the merits of each case. I also named a few cases for their reference. If you can list the main points i might be able to point you in the direction for a responce to their defence.

P.S...sorry if we've been hijacking your thread before...LOL

 

Jenny

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