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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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Barclays have made me an offer, what do I do??


Les1
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After sending letters and spreadsheets to Barclays, they have offered me £1125 out of a claim of £1500. What should I do? I could really do with the money right now, and can't really afford to take them to court, so should I accept or try my luck a bit more??

 

Thanks

 

Kim

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Follow your instincts.........

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I wouldn't take it personally, but if you dont you will have to go through the courts. which will cost a mininum of £120.

 

so it's up to you. my advise would be to continue you'll get the full ammount plus interest and cost's back.

 

barclays seem to be offering quite high settlements just lately, to try and put people off.

 

stick at it!!!!!!!

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After sending letters and spreadsheets to Barclays, they have offered me £1125 out of a claim of £1500. What should I do? I could really do with the money right now, and can't really afford to take them to court, so should I accept or try my luck a bit more??

 

Thanks

 

Kim

 

Kim

No-one can TELL you to pursue it, if you have reservations about continuing then I suggest you sleep on it tonight and rethink tomorrow.

If its the nerve side of it, being scared of taking on the big boys, dont worry, there are loads of threads I can point you to where the young ladies have been petrified to continue, but they did and they have won.

 

remember your amount will increase once you file at court with the added interest AND you will get your court fees back.

 

If you do continue I for one will promise to follow you through to the end and I know lots more on here will do the same.

 

As I say, have a think and come back, either way we will congratulate you.

 

Daz

  • Haha 1

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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Think of it this way, yes take the money now and enjoy it, if that is what you have to do, but, how many opportunities will you get to spend £120 and get about £550 back in return? It will take longer, alot longer, so it is a delicate balancing act - just do what you think is right...remember the only wrong here is Barclays!

 

I don't think that helps at all, but good luck with the decisions!

 

Peter

Sign my petition to the Prime Minister here:

PETITION

Thanks

Peter

 

!!!WON!!!

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Well, I have decided to decline their offer, partly because we received a letter on Friday informing us they are charging us £30 for going £26 over our overdraft limit, even though my wages went in on Thursday. The problem with my wages is that I am paid on the last Thursday of the month, this can be as early as the 25th or as late as the 30th, makes it hard to budget. Have downloaded template letter, ready to amend and send off. Will let you know!

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we have a similar problem Hubby's money goes in late thursday every week .... if a payment is due out that day and we have thought his money will be in we get charged for being over for about 6 hours

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Hi Les, when i got my statements through i noticed on one occasion they charged me £30 for going £1.50 overdrawn, and i got payed the next day and they knew it as i had always banked with them so oh boy did i enjoy it when i finally got all my money

Caz

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Posted a question on the Abbey forum a few days ago but no reply, so hope you don't mind if I post here.

 

I have completed the N1 form and aloNg with schedule of charges have copied 3 times. There seems to be conflicting info, do I send 2 or 3 copies to the court and do I have to send a copy to the defendant (ie Abbey?)

 

Thanks

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2 copies to the court but I also sent 1 to Barclays as well even tho I'll send another to their litigation team when they acknowledge on MCOL-last day tomorow.

is that the time to send scheduale after acknowledgment ,ta.

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  • 2 weeks later...

Thanks, have completed & saved claim. Need to phone Barclays tomorrow to find out date we opened our account.

 

This is the wording I have used, is this okay?

 

1. The Claimant has an account xxxxxx with the Defendant, opened May 2000 2. Since 15/09/2000 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details, as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £xxxx; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxxx continuing at 8% until judgment or settlement at a daily rate of £0.34; 6. Costs allowed by the Court. Alternatively, if the charges are a fee for a service then they must be reasonable under S15 of the Supply of Goods and Services Act 1982.

Thanks!

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  • 1 month later...

As with most claims I guess, mine has been suspended pending the test case. Just wondered if it is worth writing to Barclays to ask if they would reinstate their original offer?? We really need the money at the moment.

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Hi Les,

 

You could try but they may now refuse with the Test Case pending. Up to you but have a go if you want.

 

Good luck, Slick

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