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    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Churchill Home Insurance Problem


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I reported a problem with a burst pipe back in January 2011 and after hours on the phone to may I say the worse insurance company I have ever dealt with, and after having to make a formal complaint my claim has now progressed - 5 months on! I have recieved one cheque and have had workmen in (not finished though) but now im chasing my main chequr for re-embursment - promised numerous times but still waiting, they have told me that I have two older claims I never disclosed to them!! One I verified which was 3 years ago and I did declare it when filling in the details online (small kitchen fire) the other I have no clue. I now have to wait for the person dealing with the claim to sort it (not in till next week) but surley the cannot change their mind now, they have accepted my claim and paid out. Also I did declare the one claim I had, can they do this? anybody know what position I am in? im so fed up with Churchill I would not recommend them to anyone - very frustrated!!!!:-x

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Perhaps due them being up for sale and therefore having staffing problems?

 

Churchills sites advises that claims complaints should be sent to the Regional Customer Service Manager, at the address shown on your claims documentation. Perhaps elevate your complaint up the line and threaten to move the complaint to the FOS.

 

Churchill check the claims both at the point of sale using the CUE system and when claims are made. So they could well have had the information from CUE and yourself at inception, plus they should have checked again when the claim was first made. They can't really turn around now and start kicking up a fuss, just because they are having problems handling your claim. Sounds very unprofessional or one could say a Churchills dogs dinner !!

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