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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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.

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      This is good ethical practice.

      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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claim for ceiling collapse not covered?


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Hiya This is the first time I have ever tried to claim for insurance so I'm a total newbie. Last night I came back from work with my wife and discovered that about a quarter of the bedroom ceiling had collapsed on to my bed (thank goodness we werent in it when it fell). As far as I know, there has been no water damage leading to this event, the closest I can think to why it happened was some new loft insulation we had put up a month or so ago - the guys who put it up may have put pressure on the ceiling when doing the job and this contributed to it. The roof is 2 years old. Anyway, I rang the insurance company and they told me that if it's wear and tear, it's not part of the policy and couldnt be claimed against - is this right?!?! Does anyone have any idea when you can claim for something like this or does it vary greatly from policy to policy? If I am in the wrong place to post this kind of question, do let me know. Thanks JFardoulis

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Normally to make a claim there needs to be some form of force (event) to cause the damage to occur. This can be water damage from a pipe or accidental damage in the form of a foot while you are in the loft. The ceiling just coming down on it own accord did not involve any form of force and therefore it is probably wear/tear or bad workmanship. I would suggest that the ceiling is probably plasterboard which has been nailed/screwed into the joists above. When the loft insulation was being fitted the fixings became loose and eventually the ceiling came down. A section of plasterboard 1.8m by 1m costs about £5, with the plaster and paint probably £10. You can probably do the repair yourself in a few hours and be happy that you have learnt a skill. The damage will not be covered by Insurance, so it is your choice whether you spend £20 in materials or pay someone £200 to come to do the work for you.

 

If you search online, you will find information about how to make the repair. If the ceiling is not plasterboard, then you can still do the repair. You just need to do a little research.

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thanks for the advice guys, have been talking to a number of friends and family over the last few hours and they say pretty much the same. I could try and blame the guys who put up the insulation but it would be a waste of time and effort. Thankfully I have a builder friend who says it would take him a few hours to replace so I'm going to get my hands dirty with him. Once again, thanks for the advice JFardoulis

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