Good idea, I'll check and work out the viability... Not sure if new for old.. Thanks everyone, I will report back if any help is required after making the claim (or not if not viable financially)

My main question really, when you dumb it down is, Is tripping over and dropping your bag into a river/reservoir classed as accidental or is it negligent

Do the files below cover that question for you? I have Contents Insurance, Accidental Damage. £75,000 total £3,000 unspecified item cover in and away from home.homeinsurance.pdf I have attached general policy wording, and our specific policy documents with p[ersonal details redacted. INS_REDACTED2.pdf INS_REDACTED1.pdf

Hi All, Quick question to anyone who has knowledge or experience, I know the best idea is to call my insurance company and ask, but just thought I would ask here first. Does anyone know if I will be covered on my home insurance for loss of camera equipment, its my personal camera equipment, a GO-Pro, a sony cybershot (cheap thingy) and all the ancilliaries and memory cards in my camera bag, the crux of the story is myself and the wife and youngest daughter were out walking last week around a local beauty spot/resevoir. I had my camera bag on my shoulder as I was taking snaps throughout the walk, I went for a complete head over tit fall like a whalley, and ask me how I do not know, the camera bag ended up in the resevoir, going blub blub blub never to be seen again. I am not sure how deep it is, whether I could go back with a pole and try fish it out (I can't see it as the water is mucky and the resevoir quite large) but anyway the camera bag and equipmnet are gone. All together it would costs about £800 to replace (I have £100 excess) and a limit of £3000 for unspecified personal possessions cover in and away from the home. I have all receipts for the quiptment (except the memory cards and spare batteries etc etc but for the main cameras) Am I likely to be able to claim, or is it one of those where It's my own fault it went in the water I should have taken more care. Just like to add, I have had my house contents insurance for about 18 years now and never ever once needed to make a claim, so not sure what is fair and what is not when making a claim. Thanks caggers, great site as usual

Thanks for your reply, It was originally not contested, so they won by default, not sure where, Northampton???? It was a sole trader, and yes the account I had with a supplier was in personal name t/a, the debt is a company, a garden machinery machine supplier, no dca, they went to couort directly through their solicitors and instructed High Court Bailiffs when they won.

I haven't, a high court officer visited twice, and on both occasions I told him I was disabled, vulnerable and on benefits, he asked me to email proofs to his office, I did with the details, only they seem not to have received them now, even though they replied to the email thanking me for sending through my proofs of disability and benefits. As for the original court claim, I was in hospital when the claim was going through court and an order was made in default, no reason to apply for set aside as I owe the money, I just am not in a position to repay it.

This evening, somebody attended my home and gave me a court order from Bradford County Court for an 'Order to attend court for questioning. A judge sitting in the County Court orders that 1: Myself T/a 'trading name' the judgement debtor attend at the County Court at Bradford, Civil and Family Centre, <address here> on <date here> before a court officer at <time here> to provide information about the judgement debtor's means and any other information needed to enforce the judgement or order. 2: The judgement debtor at the time and place produce at court all documents in the judgement debtor's control which relate to the judgement debtors means of paying the amount due under the judgement or order and which relate to those matters mentioned in paragraph 1. 3: The judgement debtor at the time and place answer on oath, all the questions which the court asks and which the court allows the judgement creditor to ask. 4: The court where the questioning is to take place may make an order for payment of the costs of the application and the hearing. The amount owing is between £7,000 and £8,000, from a creditor when I ran my sole trader business, since then, In have ceased trading as I have become to ill and now receive enhanced rate PIP due to severe disablement. I have no money and rely on unemployment benefits and disability benefits. My questions of help are realy as follows. What are the court and/or the creditor allowed to ask me? I know it will be financially themed, ie what my income, outgoings and savings are, but what else are they allowed to ask, what am I required to answer etc etc. What are my rights as a judgement debtor attending an order to attend court for questioning? I know if I do not attend I may receive a committal sentance and ultimatel lead to contemt of court/prison time etc etc, so I will be attending. So am I required to take bank statements, I can and will if needed, no money to hide? Thanks in advance, if anyone has a guide to those in my situation or can answer my questions I would be greatful beyond words. regards, thepalace1

Thanks to everyone so far who has replied. I am just taking the time to try and do some learning, reading up on estopple, reading various pieces of legislation. I am not sure which way to go. at the moment I would like to say we have a fairly good relationship with the landlords, but, would be willing to sour that for the sake of doing the right thing. If I have to re locate the business, would rather not, but if I had to then I will.

thank you dx100uk for your time in replying. Much appreciated to everyone Dave In addition, I am scared if it goes to court, because they have said they will accept £5,500 in full and final settlement, but if we don't pay then they will take me to court and sue for the full £13,000, so almost blackmailing me.

Thank you Bankfodder for your time replying. You are right in saying that it is our Landlord that is threatening us with court action if we dont pay the invoice. We have absolutely no dealing with CNG Ltd, infact we only just found out that they are the suppliers to our landlord recently. We have not seen any of the original invoices from the supplier to our Landlord. They said they have been reading our meters for the last 8 years and they have been incorrectly been calculating it. Our meter is M3 (Cubic Meters) and the landlord says when they do the calculations they were not correctly calculating it into KwH and this is howcome it has been under billed. Sorry if I confused you with Metric / imperial. They're saying they were not correctly converting somehow and they recently (2016) realised their mistake. However, I cant figure out how it took them 6 years to figure the mistake. As far as I am concerned, they read the meter 1st of month and invoiced us for our usage on 5th of month since March 2010, we paid the invoice and assumed we had paid for our gas. Our gas supply is sub metered from the commercial unit at the rear of our property. So their are 2 units, 2 meters on the same supply. They get billed from CNG Ltd for both meters as if it was one supply any further clarification points please let me know. and thanks again for showing interest in this for me, it is rerally appreciated Dave

Hi, I am desperate for some help if anyone can, the story is as follows, sorry if it is long winded. I am a sole trader running a Lawnmower Repair Business, I lease a 1400sq ft commercial unit from my landlords. My landlords supply the Gas, Electricity and Water, I am billed directly from the landlord for the utilities and not their supplier which is not one of the big 4 believe is CNG Contract National Gas Ltd. I do not know who supplies them the electricity or water (a good guess for the water would be Yorkshire Water) So I took the lease out in February 2010, Trumbling along. struggling along to run a business as it was, paying my bills, rent, suppliers etc etc etc. Every month the Gas, Electric and water bill dropped through the letterbox always on the 5th of the month and they were always paid on time, as far as I was aware the gas was up to date, billed for usage and paid. Then in Sept 2016 the landlords said to me they think there is a problem with the gas and to leave it with them, anyway, fast forward to now. We have had a revised bill from them saying we have underpaid the gas since 2010, it was their fault as they calculated the meter reads incorrectly (ALWAYS originally billed by actual meter reads, we have all meter reads by way of photograph back to then, we took a photo of all utility meters every month (so did the landlord)) aparently they said they were calculating on imperial or metric instead of the other way round. So the invoice is £13,000, but they will accept £5,500 to clear the matter. If we don't pay it in 7 days they are taking us to the small claims court etc etc. Some thing stinks if you ask me. Can they do this? do we have a leg to stand on? does the Bills of Exchange Act s59 not apply?. I called citizens advice to ask about the Back Billing 12 month limit and they said this does not apply to me as my landlord re sells me the gas rather than the actual supplier, but they can only back bill 6 years as to the statute of limitations. £13,000 or even £5,500 is impossible to find for a sole trader with 7 days notice, last accounts I turned over £60,000 with a profit of £6,000, last year was a shocker for lawnmower repairs/sales. Please, if anyone could offer any guidence/support/advice I would be eternally grateful. thanks Dave....

Hi, update is that the court have asked for me to complete a DQ (Directions Questionaire) what should I put in this. As stated I deny the debt, Lowell and their solicitors have not responded to anything I have sent them be it a CCA or CPR, any help would be great

And then after 33 days can I ask the court to strike it out?

So, it is now 11/03/2016, it has been 25 days since I submitted my defence, What happens now, I read somewhere that they have 28 days to respond..... Do I need to do anything my self on day 28? do I ask the court to strike the claim out? what would be my next move? Thanks

Hi nolegion, so so sorry I haven't picked up on your post #21, and sorry for the 18 month gap. Unfortunately my mother passed away in 2012 from cirrhosis of the liver caused in part to the damage caused by the excess iron of the haemochromatosis but also more in part to alcohol. My mother was diagnosed with Haemochromatosis around her early 50s, as it seems is the more likely age range in women. It tends to show more symptoms in women after menopause, a woman's natural ability to loose blood on a monthly basis to some extent hides it, as I'm sure your aware of, the main treatment for the excess iron levels is to have around a pint of blood taken, in my mums case initially weekly as her serum ferritin levels were around 1500. They say they should be less than 50; my mum after 2 years of venesection got only as low as 200, her veins were shot to hell and as each week went by it took more effort to get a vein, in the end they always had to find the vein with the ultrasound machine and the consultant taking over. This part, more than the physical symptoms, my mother struggled with, she was 5ft1 and 7stone, and she was always in pain when they took the blood. For this, I look back with deep sadness, but great pride with how my mother dealt with it. Please don't let this post worry you too much, as I said my mother was a heavy drinker, if she had not been, the heamochromatosis would have been brought under control without any more damage to her liver. The symptoms my mother initially went to the Drs with were fatigue and pains in her joints, the joint pain being the worst of the symptoms. I took my mum weekly to Ward 5 Bradford Royal Infirmary for venesection. We were well known on ward 5 near the end of my mum’s life, we grew quite close and fond of the nursing staff. The same nurse treated me when I was in for a pre-planned operation last year as ward 5 is the surgical ward. The highest prevalence of HH is with people of Iris decent, my mother was born 20 miles north of Dublin, she had 16 brothers and sisters ( a large Irish family with 17 children ) as soon as she was diagnosed the Dr printed a letter for her to give to brothers, sisters and children for them to be tested, the doc was shocked when she said you'll need to print about 20 of them, ha ha.. When my mother informed her brothers and sisters there was a mad rush of HH genetic testing in Southern Ireland, which by the way they all had to pay privately for. Out of the brothers and sisters who tested in Ireland 4 of the sisters have full HH and 2 brothers, although not all 16 were tested as some didn't bother/couldn't afford it which is up to them, my mother did her part in at least informing them. My mum had two children, myself male, and my sister, as I said earlier my sister has full HH like my mother but I am only a carrier. I being a carrier, if I was to want my children (3 of) to be tested then I would have to pay privately as the NHS would not pay. But my sister can have her 4 tested under the NHS, but the doctors have said they are better waiting until they are older, whether this is a cop out I don't know. As a side note, I recently found out that the tests were all performed in Newcastle, and the consultant in charge of the DNA profiling there had the exact same name as my mother, Ann Curtis, which today, years after the tests and 4 years after my mum died I found spooky. Anyway, I hope you are doing ok, I hope any part of this post did not worry you at all, I am sorry again for the delay in replying, I forgot all about the post as I did not log into this site for ages. If you require any further information then I am more than willing to give you my personal email where I promise I don't take best part of 2 years to reply. Good Luck!