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!

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

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 ******** ("the agreement"). 2) The defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the claimant on **/**/2012 and notice given to the defendant. 4) Despite repeated requests for payment, the sum of *** remains due and outstanding. And the claimant claims a) The said sum of *** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, acrruing at a daily rate of *** but limited to one year, being ***. c) Costs What I have done so far: 1) Acknowledgement of service - Online MCOL Website (20/01/2016) 2) Sent CCA REQUEST - £1 postal order - Signed For Post (21/01/2016) - Lowell Portfolio I Ltd 3) Sent CPR 31.14 - Requesting Default Notice, CCA Agreement and assignment - Signed For Post (21/01/2016) - Lowell Solicitors I Cannot for the life of me remember having shopacheck, but then again in 2012 my head was up my proverbial **** as my mother died that year. I have never received any default notice from Shopacheck or Lowells, I am very good with paperwork/documents/post, everything that comes that is official if filed in ring binder boxes... If I had received any default notice I would have acted. Also, I never received any letter from Shopacheck / Lowells to inform me that the debt has been re-assigned. I am not denying the loan but also am not accepting it as I just do not know, what I do know is I have had 20 + loans from shopacheck in the past since circa 2000 , so do have a financial history with the company I have looked through any/all paper work kept from previous loans but cannot find details of the one they are referring to with the reference number they gave me in the Particulars of Claim. So, as of 15/02/2016, Lowell Portfolio I Ltd have not replied to the CCA, Lowell Solicitors did reply to the CPR stating they are requesting the documents but that is as far as it went, they refused to answer my question asking for an agreement to extend the time for filing defence. Last night I filed my defence in time for the 15/02/2016 defence deadline. the defence was along the lines of this link Thanks to anyone who can help with guidance along the way

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.

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 information to them.. however, my question is, Do the HMRC have a right to demand bank statements? Has this been passed in Law? what rights do we have regarding the request for bank statements? Just for clarity, On the claim is myself, my partner and our three children aged between 4 and 11, we are in receipt of Tax Credits, Work Related Activity Group for ESA and child benefit.. We are both unemployed due to severe ill health. Thanks in advance

Thanks anyway.....

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.

An electrician friend

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 removing it. They then said we owe £1000+, made up of over 2000kwh estimated, and charges of nearly £450.00 + vat for the call out and removal of meter. If I had the £1000+ I would pay it, but I am scared they will take the money and then say we are not fitting a payg meter.... today will be our fourth day with no electricity, 3 kids, a partner who is classed as vulnerable with her medical problems... Thanks in advance to everyone who replies.

Thanks for replying. No, I didn't read the ammendments.

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 an engineer come and remove the meter, he said he wouldn't be putting in their meter or a pay as you go meter. I called BG the next morning and they are refusing to install a payg meter untill we pay £1,400.26p. They said it is a second offence, Wrongly I know I did do something before. I have scraped together £800. But they wont budge... I understand if people call me a thief, fine, fair does.... I did this with the full reading of the Electricity Act 1989 which states at schedule 7 that I could have my own meters installed. Did I interpreted that act incorrectly? Are there any charities that can help liaise with BG?