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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Baz1994

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Everything posted by Baz1994

  1. Baz1994
    Original unregulated secured loan sold on / transferred to another company. Previously had a dispute with arrears amount in which never fully explained. Arrears amount transferred to new company totally different amount. Disputed again with new company but eventually responded saying it was previous companies issue and not there's. Account in dispute yet arrears management fees being charged even though they cannot prove it. Can they still do this ? Is there any part of the FCA handbook that states the above regarding loans in arrears ? Thanks for looking.
  2. Baz1994
    OK thanks again martin2006 for your further comments. We will probably get another glazier to come out and have a look before next thursday. I will keep forum posted with developments.
  3. Baz1994
    Thank-you both and will pass on info to my OH. I will keep you posted of developments.
  4. Baz1994
    All very strange and a coincidence that this is a third time this has happened. Sorry I am no expert but surely the glass, being a patio door would be heat resistant? Could we request an accessor from RSA to come and look at damage due to circumstances?
  5. Baz1994
    Ok cheers once again. My OH will speak to insurance tomorrow on her mum and dads behalf with further questions. I believe they have put a film over the damage for now and ordered the glass for end of next week. I mentioned earlier their assumption of damage causation. RSA would not proceed with claim until excess was paid today. I just wondered whether their should have been a claim at all if the replacement glass was faulty or fitted incorrectly.
  6. Baz1994
    Ok martin2006 thanks again. It is a newish house approx 15 years old. How will they be able to confirm this? Would heat / sunlight cause patio doors to shatter?
  7. Baz1994
    Sliding door with one pane fixed. I spoke to my brother-in-law earlier who was in attendance last year when first repaired. He did say that the fitter was having trouble fitting correctly hence it shattered a second time. He also mentioned the possibility of frame issues.
  8. Baz1994
    Thanks martin2006. Well funny enough that was something else I was going to mention. I wasn't there when they eventually turned up today (I was there earlier to look at damage) and they had the audacity to suggest that a stone or some other foreign object caused it. The previous second time that it shattered was when the fitter was replacing it into the frame. My OH will be calling RSA tomorrow but I just wanted some clarity on the matter.
  9. Baz1994
    My OH's elderly parents have Home Insurance policy with RSA through Lloyds bank. In July 2015 one of their patio doors glass shattered and had to be replaced. They submitted a claim and glass was eventually replaced (3 weeks) by Evander Glazing, who assumed it was due to direct sunlight / heat. Whilst replacing it the glass shattered again therefore replaced on 2nd attempt. Today the same glass shattered again. My question is, would the replacement glass be under any sort of guarantee? Thank-you
  10. Baz1994
    Thanks Ford. No it is all part of this thread hence my further question. But perhaps I should post the question under a new thread but not sure where to post it correctly?
  11. Baz1994
    Ok thanks martin2006. Today received final response from Skye Loans Limited in which I have now sent to FOS. Still not fully addressed and I just hope the FOS Investigator (changed from Adjudicator?) will highlight this in their findings. Skye still cannot provide any breakdown for the opening disputed arrears balance. They have now elaborated further regarding the telephone conversation since FOS involvement but will not provide written transcript or recording. Can anyone comment on my previous post # 108 thanks
  12. Baz1994
    Thanks again and will bear that in mind next time. I did attempt to access info on their website but system still down. A bit cheeky then when I only advised them of this and they replied with photos etc
  13. Baz1994
    I just done a re-cap on the attached link pending a separate complaint with BH . Am I reading correct that loans for £25,000 plus secured by a second charge on property will be regulated by the CCA?
  14. Baz1994
    ok and thanks again for your comments. I did not know that by asking for photographic evidence and observation times is deemed as a formal appeal. I will bear that in mind with any future PCN's.
  15. Baz1994
    Complaint still with FOS who are awaiting full details from Skye. I have now been advised that there will be no litigation at moment. Skye have acknowledged FOS involvement. After further investigation there seems to be a discrepancy with the original disputed amount transferred from Blackhorse to Skye that cannot be explained. The opening arrears balance advised by Skye has increased from what BH advised yet no breakdown provided. I will keep forum posted of any developments.
  16. Baz1994
    And did you receive a full breakdown of the offer? They do have a habit of miscalculating as per my previous experiences.
  17. Baz1994
    Ok thanks again Jamberson. As stated no observation times given. Photos taken are all timed what was entered on PCN. Did ask for confirmation but did not respond. Shall I ask again?
  18. Baz1994
    All photos taken at same time as offence time dated on PCN. No mention of observation times. Confirmed offence was for parking on DYL's.
  19. Baz1994
    The offence was that I was parked on DYL's. Driver on Delivery signs clearly shown. No observation times. And seems that I lost my chance of an informal appeal due to the fact that I sent an e-mail advising that their website was not working to view photographic evidence.
  20. Baz1994
    OK thanks again. I will just appeal on the basis that I was making the delivery, parked on DYL's, no kerb markings. Send copy of delivery note. If don't win then will just pay-up and be done with and just learn from it.
  21. Baz1994
    Thanks for your input / comments Jamberson. It may have been more than the ten minutes unattended but I just didn't make a note of the actual times being that early in the morning. This is the first time I have encountered this observation scenario but I am annoyed that I was not obstructing anyone and parked directly in front of restaurant delivery area, only parked on DYL's with no kerb markings and no sign of loading restrictions. The only way I have of finding out was to look at the photographic evidence on-line but as I say there is a problem with their system. How convenient. Anyway I sent them an e-mail requesting details and received a response advising that they aim to respond within 10 working days.
  22. Baz1994
    Ok thanks again Michael and I will post up before sending. I have now spoken to my boss, who is very understanding and who I know will pay if need be but I said I will at least contest / appeal the PCN.
  23. Baz1994
    Ok thanks again Michael and apologies for sounding over cautious. I was the only van parked outside until I came out when another pulled up behind me. Hence when I found PCN and spoke to the two blokes across the road sitting in the van. It's just that sometimes they do sort of hide out of sight and it was early and dark, so may not of noticed them. They are known to do that in this street. I could have been longer than 10 minutes as I had to unload produce into restaurant freezer. Did find this though from there website, a little confusing regarding certain vehicle times . https://www.islington.gov.uk/parking/parking-restrictions/loading-and-unloading So shall I just keep my appeal minimal or is there certain wording I should use. Also shall I mention / ask for any observation times or will these probably be clarified on photos beforehand?
  24. Baz1994
    Further to the above, my main concern now is that I have just read something about 10 minute observation times for goods vehicles. Apparently Islington Council do not now state these on the actual PCN but evidence of different times maybe on the actual photos. Would the above still be irrelevant considering it was a delivery, parked on DYL's with no kerb markings but in a restricted street? Tried to post pic from google of location but having a bit of trouble. Address is St Johns Restaurant EC1. Sorry to sound paranoid but I want to write up appeal correctly. Thanks again for looking
  25. Baz1994
    Thank-you and will add that to photos of signage on van. Delivery signage in front window screen. Copy of delivery invoice for restaurant. I just tried to view photos on Islington parking website - image viewing unavailable at present due to security issue ?

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