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Everything posted by thepalace1

  1. 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)
  2. 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
  3. 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
  4. 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 shoulde
  5. 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.
  6. 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.
  7. 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 pro
  8. 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.
  9. 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.
  10. 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
  11. 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
  12. 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
  13. And then after 33 days can I ask the court to strike it out?
  14. 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
  15. 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 f
  16. Thank you for your reply andyorch, from browsing the site it seems that i'm in great hands with you looking in on my thread, thanks again. I am sorry about the thread being in the wrong place, and the attempt to link externally. Hopefully these two photos will show up, if not I will just reproduce it in a post. thepalace1 org defence.pdf
  17. I hope this is in the right place, please would any mod kindly move if not. I would appreciate any guidance along the way from pple more versed in the small claims court. Lowell Solicitors have lodged a claim with Northampton, particulars as follows. Issue Date: 18-1-2016 Amount approx: under £600 Claimant: Lowell Portfolio 1 LTD Solicitor: Lowell Solicitors Limited Original Credit: Shopacheck Particulars of Claim: 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Shopacheck under account reference ******** (
  18. I don't know if this will help you much, but a quick search on the Financial Conduct Authority website shows, that Hoist Holding Portfolio 2 have had their Financial Services Licence CANCELLED, therefore they are actually breaking the law by continuing to chase the debt, carrying on financial services activities is a criminal offence without a Licence. Please look into this further and I hope others on this site will help you with any possible next move.
  19. Hello, today I received a letter from HMRC regarding my and my partners Tax credit award. The letter states that we have been randomly selected for an enquiry. HMRC are requesting :- a) Details of any social security benefits received. b) Evidence of child benefit entitlement including reference number (example, bank statement showing payments received) c) Bank statements for the period 1 January 2015 to 31 March 2015 (This is very specific, not like a whole year or anything) Now, Just to make you all aware, I HAVE NOTHING TO HIDE, and WILL be sending all the informat
  20. sorry for the sporadic replies, the internet wips the battery on my phone, then i have to charge it in the car before i can use it again.
  21. Simply because I didn't trust the accuracy of their meter, I think it took too much for standing charge type things, also I don't like the sound of Smart Meters.... There was originally a payg meter installed. But it seemed we were spending more than we would have if we would have had a contract meter installed. I am and was intending to pay for electricity used, my intention was not to install the meter then refuse entry to readers or anything and hide away. I let the Guy in to inspect it, because BG didn't install it they said nit may be unsafe and this was the reason for rem
  22. Hi, I'm hoping someone can offer any advice or point me to an organization that can help. The story is as follows, rightly or wrongly. I sent BG a letter stating they have 28 days to object or I would commence with having my own meter installed into the property under Schedule 7 Electricity Act 1989. They failed to object so I commenced, Had the meter installed August this year. I provided meter serial numbers, start readings etc etc to BG. Then a chap requested to inspect the meters at 9pm Monday night (10/11/14) which I let him do, he said it was unsafe and then had
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