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    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
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    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
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Norwich union "accidental damage" insurance


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I have been insured with Norwich union off and on for over 10 years, I have never in my life made any claims on my household insurance and always had accidental damage insurance. My policy was taken out for my new house in July 2005, and I was sent a subsequent renewal notice last year, but no documents. If I am honest I would not have checked them anyway.

Bottom line is I have accidental damage for what I thought was most items that are electrical TV, Hi-fi. Sky boxes home computers blah blah blah. I bought a lap top for my son for Christmas and it fell off his bed onto the floor and damage the plasma in the screen. Contacted Norwich Union and they said I was not covered, as laptops don’t come into this. I bought the lap top as a computer as my sons room is small, and he needs all the space. I also told them I had always paid the additional policy. They said they would check the "tapes" of my call and get back to me. I am adamant I requested the additional insurance and surprise surprise they cannot access the info on the tapes. The bottom line is they will not pay out I have a three month old lap top, that I thought I was insured for ( I would have paid the ex:-x tra to PC world when I bought it , if I did not have the cover) and NU are saying I am not covered.

I intend to write to them. I have gone over the policy wording and in the small print it says it does not include lap tops, but to me this seems totally incredible as normal bog standard insurance covers Tv etc. I intend on writing to complain, and then onto their second stage of their complaints but I feel slightly miffed, as I am adamant I requested this cover and I cannot prove it as the tapes have now 2myseriously" gone missing.

Any ideas

Carolyn

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carolyn did you use credit card to pay for this?

 

The Consumer Credit Act 1974 is the law which sets out the rules that cover credit cards. One of the least known rules is in Section 75. This says that if you use your credit card to buy something costing more than £100 but less than £30,000, and something goes wrong, the people who gave you your card are liable as well as the seller. This covers both goods and services. Credit card companies accept their liability for purchases in the United Kingdom, although with some you have to insist on your rights. Please note that you do not have to claim against the seller first. For purchases abroad, there may be a problem. Credit card companies dispute that Section 75 applies to such purchases. But if you insist, most will eventually treat any claim, on a good will basis, as if it referred to a UK purchase. The Office of Fair Trading takes the view that Section 75 applies to purchases no matter where they are made.

 

 

 

Some credit cards give free insurance for the theft, loss or accidental damage of anything you buy with the card. This sounds good but bear in mind that the cover usually only lasts for a short period. Ninety to a hundred days is the normal.

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For most insurers it is standard practice to exclude computers that are designed to be portable eg laptops (most tend to exclude games consoles too!) unless you pay for the upgraded Accidental Damage option.

 

Was the A/D cover on your original inception documents in 2005? If not then (unless a mistake has been made) it is highly unlikely that it was deleted at renewal.

 

Of course as they cannot recover the tape to disprove you(although they could quite rightly argue you would have had the original documents to inspect for 12 months), you could just stick to your guns and insist they have made an error.

Cahoot - Rejection of offer sent 14/06/07

 

Barclaycard - S.A.R - (Subject Access Request) sent 22/03/07

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Under the standard NUDirect policy, laptops are not covered for Accidental Damage.The policy book (available online at http://www.norwichunion.com/library/pdfs/home-insurance-policy-wording.pdf) states under Part C,

 

 

We

will not cover:

 

• electrical or mechanical

breakdowns;

• computers or computer equipment

designed to be portable;

• radio transmitters and mobile

phones;

 

If you have paid an Extra premium to have FULL accidental damage then yes you are covered. If this was on previous years, then this would remain at each subsequent renewal unless instructed by you. They cannot remove it without your authorisation.

 

What has happened in the past 10 years is irrelevant (these days most Companies dont recognise long term custom like they used to) as this policy only applies from 2005 when you took it out for your new house.

Obviously you would have recieved documents at policy inception which you are responsible for reading and checking the information, and I presume you did? Remeber with over 1 million customers, the onus is always with the policyholder to check all details are correct as incorrect information can and may invalidate your policy or possible future claims.

 

Hope this helps.:D

 

 

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

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Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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