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    • For longer version and more details, please read above: Here is the short version: In late July: I hired "Decor Developments - Painters and Decorators in Lincoln" to do the work in my house.  The work includes painting of the ceiling and walls in the house, and also fixing a ceiling of the extension. The whole job was £4650. In early August: The work began, and took 2 weeks to finish. I paid the full amount with direct debit bank transfer when the job was almost all done. In late August: There were cracks and bulges appeared at the ceiling they fixed, I had to call them up twice, they fixed twice, but one crack is still visible today (19 Oct). The guy who fixed it, left behind some paint, and it was not Crown paint that they said they used. 30th Sep: It is found that the paint can be washed off, just by gently rubbing it with water using fingers, and the paint could be seen dissolves on fingers. This issue is found in all walls apart from the walls of the kitchen, dining room, main bathroom, also found in all ceilings of the house (including the ceilings of kitchen, dining room, main bathroom) Also found that the paintings were poorly done in some areas. 5th Oct: Finally able to get hold of the director of Decor Developments. He stated this is what he meant about non-wipeable paint, (in which I had no memories we had such conversation) He said has painted a hundred houses like that, its a standard paint to be used in all new builds in England, etc. The fact that he didnt state what kind of paint to use in the quote, means that it is entirely up to him to use the cheapest paint possible. He was very rude, hung me up at some point, eventually only agreed to send someone to repaint 1 small bathroom and 1 small toilet on Sat 9th Oct, and no more. He wont guarantee anything about keeping my brand new carpets or other surfaces clean.  The same day I called up citizensadvice, also found a trusted trader for advises. The director of Decor Developments told me to stop wiping the walls, cause Ill be damaging it, and that there is no such thing as primers for walls (which there obviously is). (this is in text messages) 6th Oct: The director of Decor Developments refused to explain why they are not performing a proper fixing (2 coats) for the 2 rooms he promised to fix, ignored my messages about that there is still a crack at the ceiling of the extension, and threatened to send no one on Saturday if I continue to text message him. 7th Oct: I sent a formal complaint letter through email to Decor Developments, stating Consumer Rights Act 2015 in the letter and mentioned that he can continue to perform the fixings that he is going to do on 9th Oct, also stated about what other things I request, asking him to reply me in 14 days. 9th Oct No one came, Decor Developments stopped communicating with me. 10th Oct I paid for a trusted trader to look at the house, he tested the walls (using a car washing cloth damped with water, wipe the walls left to right for around 10 times, and the paint would come off) and he pointed out different issues with the poor, unprofessional workmanship performed by decor development, and also the unsuitable paint for redec being used. He later sent me a report about it. 14th Oct Another trusted trader came to look at the house, stating the poor workmanship done, and cheap, inappropriate paint being used.  By 19th Oct I now have 2 quotes for the paintings for the ceilings and walls. 1 quote for fixing the ceilings. I would like to know, what else should I do next? Is it likely for me to win the small claim case? I really need some help and advises here.
    • So that's their reason for letting the claim become stayed...whilst they corrected the errors in the paperwork to meet the compliance guidlines. Its not really something you can use to your advantage or be part of a defence.     Your comment above really concerns me in that you still do not understand the process of issuing a court claim...so again there is only one claim ...no earlier claims no secondary claims...one claim that was stayed then lifted then judgment applied for and then set a side.   One claim one claim number.
    • Discovers SEO Executive Apprenticeships with Gladstone Street and #CreateYourFutureView the full article
    • Yes, I see what you mean. My interpretation of law is a bit shite, sorry.   I got it from part of the claimant's bundle below - this was when we first got knowledge of the earlier claim that I posted on here a while back.   REMIDIATION AND APPLICATION TO LIFT STAY 16 Following the Claim being issues, the Claimant became aware that the account required CCA remediation with regards to required data corrections, replacement Notice of Statements in Arrears and/or Annual Statements to ensure they met compliance guidelines within the Consumer Credit Act (1974). 17 The matter was placed on hold until remediation was complete but was one of approximately 40,000 cases affected by these issues. 18 Letters were issued to the Defendant on 27 March 2018 and on 2 April 2020 to invite the Defendant to reach payment arrangement without the necessity for continued legal action. The Defendant failed to engage with the Claimant and so an Application to Lift the Stay and obtain Judgment was made and granted by the Deputy District Judge Wilson on 9 November 2020. A copy of the Application and Court Order as exhibited at ‘pages 18 – 21 of SR1’.
  • Our picks

Paintball vs Capital One *WON*


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Barclays are the worst I've dealt with so far, the swines (strikes pose with hands on hips) :evil: NatWest are going to get it too, neither of these organisations has yet bothered to comply with my SAR.

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Guest MotleyCrue

Just out of interest, how do you manage to default on so many accounts?

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Funnily enough they are next on my list, they have just over a week left to supply statements, am not in a hurry though as I have 3 claims on the go at the moment so ideally would like to get rid of 1 or 2 (my crap one that's for sure) before embarking on Barclays.

 

One step at a time and we'll get all the money back that has been disproportionately taken from us. Happy claiming everyone we're all here to help each other :)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Paintball, your Barclays is it for current account or credit card? Am trying to decide when I start claim for Barclaycard whether to do contractual or not.

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good luck paintball, just tagging onto your thread

 

doo, i'm about to start barclaycard, and am going for contractual at their purchase rate (29.9%)...eek...so this time next year I should just be sending my LBA off to them!

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Hi Brad, it will be like watching paint drying, will see you on Barclaycard forum then - will be around to give you a shove when you need it.

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Letter on my doormat this evening from CapOne offering me what I claimed for - £1399.82 - in my N1. Good. They will send me a cheque and I will inform the Court that the matter is settled WHEN I have received my cheque in about 14 days ...

 

I could insist on the daily rate added to each charge from date I filed the claim to receipt of cheque but it is so small I've decided not to bother. I know, Sonja, on a point of principle that I should, but it's tiny ...:p

 

So, when I receive my cheque, this thread can show WON.

 

Folks, when I started out on this claim and was trying to understand CCI, I was a bubble blowing girly, now I'm a gun totin' gal so Barclays and NatWest watch out :)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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CONGRATULATIONS PAINTBALL, gun totin CCI gal now, nice one. Now I was right about your letter so reckon hubby's will be delivered any day between Friday and Monday, lets see. Now you have your letter Paintball do you think you could pm me your claim number and the court you used for my little list.

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Paintball, your Barclays is it for current account or credit card? Am trying to decide when I start claim for Barclaycard whether to do contractual or not.

 

Both!! An old B/card a/c and old student a/c each now closed. I'm PMing you the details you asked for now.

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Many CONGRATS Paintball - good on ya!!!!!!!!!

 

Adam;)

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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Wtg Paint Race Ya To Getting The Cheques Then Lol

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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congratulations paintball

 

enjoy the money

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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Congratulations Paintball. . .well done. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Well done paintball --- inspirational!!!:D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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Could a Moderator please change/move this thread to WON. Thanks, as:

 

 

Cheque received from Cap One for full amount on Sat 12 May, dated 8 May. Banked.

 

I'll inform the Court of this result and PM a Moderator on this site with my completed Litigation details.

 

Thanks everyone for your kind thoughts and most of all, thanks go to Redsonja, Martin, UKAviator, Doo, and Tanz for their support and practical assistance during the process of my claim. There were many others who offered encouragement and thanks go to them also ...

 

My attentions are now focused on Barclays whom I'll be filing a claim against next week for non-compliance of my SAR ... they are truly appalling and have no understanding of customer care. They are closely followed by NatWest who have complied up to a point, but not to my satisfaction.

 

Good luck to everyone else who almaost there (esp Doo)

 

Cheers P :)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Bump

 

Show WON with CCI please .... someone .... anyone? :)

'Fortune favours the brave.'

 

 

 

 

 

 

 

Any advice given is purely on the basis of my own views and opinions and offered in good faith.

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Paintball...........................FLAMIN FANTASTIC!!!!!!!!!!!!!!!!!

Go paint that town girl!!!!!!!!!!!!!!!!!!

I am so pleased for you, and my what a relief too.

 

Hideous thought going to court but we all get ready for it dont we.

 

You must have felt amazing seeing that cheque!!!

 

Oh me next'ish please!! Actually think it may be Doo??

 

I am just waiting for the letter saying ...."We are not paying you anymore so go blow!"

 

And I shall all the way to MCOL!!

 

Will keep you posted.

 

Cheers!:D

 

You clever, clever girlie you!!

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Paintball...........................FLAMIN FANTASTIC!!!!!!!!!!!!!!!!!

 

Go paint that town girl!!!!!!!!!!!!!!!!!!

 

I am so pleased for you, and my what a relief too.

 

Hideous thought going to court but we all get ready for it dont we.

 

You must have felt amazing seeing that cheque!!!

 

Oh me next'ish please!! Actually think it may be Doo??

 

I am just waiting for the letter saying ...."We are not paying you anymore so go blow!"

 

And I shall all the way to MCOL!!

 

Will keep you posted.

 

Cheers!:D

 

You clever, clever girlie you!!

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