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  1. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the buildi
  2. I buy and sell used spin bikes, I was approached by a customer who I had sold spin bikes to previously, they were expanding their spin classes and wanted to know if I had a particular brand of bike, I didn't have that brand at the time so I told the customer that I would be getting more in within 2-3 weeks for £150 each. I called a few of the companies who supply me but they never had any I searched eBay. I found a seller who had an auction ending that day for 10 bikes of the brand the customer wanted all in good working order, bidding was started at 99p, there wa
  3. Hello all I wondered if someone could help me out. I have been instructed by the ET to provide the Respondent with a Schedule of Loss or specifically "set out in writing to the Respondent what the Tribunal is being asked to award, inc. evidence and how it is calculated" so that sounds like a Schedule of Loss to me? (Pls correct me if I'm wrong) The claim is only for a deliberate deduction of 2 days' wages so for the month in question I received my normal salary minus 2 days. The claim is that I am entitled to the 2 days. There is no other claim. So I need some advice
  4. Hi I have posted previously re a debt my son has in Dubai He was self employed while out there for 5 months. We have now come to do his tax return and I would like to know if we can show this debt as a loss on the return. ? Thanks in advance. https://www.consumeractiongroup.co.uk/forum/showthread.php?480103-dubai-debt-and-CWD
  5. Well it appears that Dollar financial is having a rough 2017 - £160 Million in losses
  6. This is going to be a very long drawn out case, unless someone can offer some element of hope for us. We completed renovations to a derelict property about 2 ½ years ago. Our porch needed a new roof which was done with a trocol membrane. In a storm back in January 2016 we returned from a trip to find a metal pole on the flat roof which had a covering of gravel. My immediate suspicion was that it was the remnants of an old tv aerial, but as it was only the pole, I have since found it to be referred to as the mast, not the aerial itself. This is important as it was referred to as an aerial
  7. approx.: 10 months ago we had a leak in bathroom. called Royal sun alliance Insurance to make a claim. claim exceeded a fixed amount of money Royal sun alliance handed over to Cunningham Lindsey as their loss adjusters. 10 months have passed and still no works completed. I have attached a letter that I intend to send this week to loss adjusters. we want to know if we are entitled to compensation due to all the stress & inconvenience we have had to endure, such as doctors & hospital appointments. Cunningham Lindsey letter of complaint - Copy.pdf
  8. Hi guys, so over the years i've read the forums and they have helped me out greatly. Now i have something i don't think i've ever read before Bluestone credit management took me to court using banner jones, i requested the case be heard at a local court. The case was heard and i said that the case should not have even been heard since the creditor had not sent me a notice of assignment as directed under the law of property act 1925. The judge decided the claimant has 21 days to send me a notice of assignment, this turned up today, first class recorded. Now the in
  9. I have no legal rep apart from my union rep who really does not seem to be helping at all. I received confirmation of a tribunal hearing date and three deadlines to supply information to the respondent. One was the 6th just past which asked me to explain my losses which i did......but that was not correct. It wasnt until i delved deeper i learned that i had to submit a schedule of loss. Now i filled this in with what i believed to be my losses, but my previous emplyers legal team have said that this was not correct as it does not contain any information on step
  10. Without going into too much detail (i'd written a wall of text). I've just been told I no longer have a job (after nearly a year), reason sited as not fitting the role, but told that i've "not specifically done anything wrong". It was a VERY broad ranging and high responsibility engineering role, non-stop work, but whenever I wasn't doing what one of 3 other people thought I should be doing, the back stabbing would start, meaning I could never actually do right. BUT I stayed on top of everything I needed to. This back stabbing has seen off several employees during my time there,
  11. hi there, was wondering if someone can give me any advice......... Long story short, my son is off to Uni the landlord of the student house would not supply students with a freezer - they have a icebox in a fridge which is inadequate for five of them - she did give her permission for them to install their own. I purchased a freezer online from Appliancesdirect to be delivered to the student house on the understanding that he will take it with him when he leaves. Freezer was delivered 10th Sept, plugged in on the 11th and was working fine, the students have been out an
  12. I am having to retire soon due to a back injury at work. I am a hca community nurse. I am 55yrs and was hoping to work until 66 which would be my government retirement age. I have permanent damage to my spine, and no consultant will operate. I have lost my driving licence too as l have foot drop. I will hopefully receive a ill health retirement pension. However, l am going to have a serious loss of wages here as my pension will not meet what l used to earn. Can l claim compensation ? I dare not enlist a solicitor as that would cost thousands and sadly not in the union as they were
  13. Hello, this is my first post on the site and I hope someone can help. I had to take my tenants to court in order for them to leave my property. They caused extensive damage to my new build property - removing boiler, radiator's all the built in goods and smashing through walls. The Police have arrested the ex-tenants due to the extent of the damage and the matter is still pending - although the Police have informed me they are not hopeful of prosecution I submitted a claim in April on my Landlords insurance building cover through Endsleigh. A few days after Endsleigh’s loss a
  14. Hello, I just received email from Graham High Group Limited - Loss Adjusters that insurer approved our claim. Does Anyone know how long takes to have refund ? We have to pay our Contractor to start do works and no idea how long takes the payment process THANK YOU
  15. Hello Caggers, I’ll try and be as brief as possible… After a long 4-year battle on a failed claim for a mis-sold PPI policy, the insurance company agreed to pay a back dated claim. I had a Mortgage Protection policy with the Halifax. It was sold to me over the phone on the premise that my mortgage payments would be covered if I was ever to lose my income. I accepted. My initial claim was for them to pay my mortgage payments when I became unable to work. They didn’t (it seems) record that I had made a claim back then even though they have some informa
  16. Hi Insurers: Ocaso Management Company - The Davies Group Underwriters - ?? I seem to be involved in a passive aggressive/aggressive aggressive and rather strange encounter with my loss adjuster regarding Alternative Accommodation. I've had a look through all the threads and my Policy Booklet and in desperation, contacted the Financial Ombudsman Service, but seem to have ended up with more questions than answers. My alternative accommodation was originally and begrudgingly booked for 21 days (after proof of a medical condition which would have been further exacerbated if I h
  17. Hello good people I hope this is the right thread to post this query... I need assistance as to how to go about filing an appeal against the ET judgment i lost for ''unlawful dismissal''... ..This is an NHS matter ..the judge was bias. ..her written judgement even shows her helping the other side to clarify their case.. My question is... . in a situation where it can be easily be shown and proven that the accusations which led my suspension and later dismissal was NOT properly investigated ..can a judge still get away with using points of law like (Post Off
  18. Paid £300 deposit for a patio window in November 15 and promised delivery in 2 weeks but turned out to be 2 months owing to a backlog of orders and the Xmas period. Cancelled immediately I was notified of the date which was unacceptable. No T & c. were left when deposit was paid but were forwarded later when I cancelled. They came with a letter promising a refund of the deposit as a goodwill gesture minus £71.40 admin charges. This was confirmed 5 times by text. However, they have gone back on their word and will not answer any correspondence or calls. I want to take it to the small
  19. See attachment for full judgment A Retailer v Ms B and Ms K Approved Judgment 09.05.12.pdf
  20. http://www.lbc.co.uk/eon-posts-7bn-loss-with-uk-profits-flat-126493 E.ON Posts €7bn Loss With UK Profits Flat Wednesday, 9th March 2016 09:09 The parent company of 'big six' energy firm E.ON says annual losses more than doubled to ?7bn (£5.4bn) in 2015 - with UK profits flat despite supply business earnings falling 9% to £267 The German company blamed an ?8.8bn writedown in the value of its loss-making power generation assets for the group's net loss and said that the spin-off of its oil and gas-fired power activities from its renewable energy division, completed in Janua
  21. Hello fellow forum members I'm looking for some advise for my sister who has had her insurance renewal come through at a higher than expected price. Upon looking into the renewal, it shows her no claims bonus is at 4 years, not the expected 9years that she should be entitled to. She rang her insurance company today to find out the reasons why this has happened, and they have stated its due to an incident that occurred in 2015. To keep this story shorter, it was a 50/50 clash of mirrors... my sister informed her insurance of the incident (as you should do) and told them that she and t
  22. My wife was involved in an accident, which the other party insurers have admitted they were at fault. As a result of injuries she was unable to get to work and so the her company got rid of her. The job was a temp contract leading to an employed role and she was still in the contract bit of it. Her solicitors have said they can't claim for loss of earnings as she was a temp worker at the time and the company could have got rid of her with no notice. Is this how it works? By the same token if she was a permanent member of staff, could she only claim 1 months salary as that
  23. My husband has a disciplinary meeting next week. Another worker claims he was rude/bullying. Since her complaint, her boss has claimed she witnessed a similar incident "about 6 months ago" but didn't do any thing about it at the time. He has received their statements, however, they have not taken a statement from his colleague who was there nor have they requested CCTV of either incident. They are saying it could be classed as Gross Misconduct but he has not been suspended. Can they use a statement from someone with no evidence other than her recollection of something approx 6 mo
  24. Hi all, I got hit from behind and was without a Taxi for a week before a rental was supplied. I am trying to claim for what I have lost. Initially I was told that the previous 13 weeks earnings from the company sheets would be sufficient. I gave them those and now they want tax returns and bank statements. I have explained that two taxi companies merged a year ago and the earnings have increased and the figures on previous tax returns would leave me out of pocket and the bank statements do not reflect any earnings. This is because a lot of the income is cash and doesn`t reach
  25. Dear all. My tenant are asking me to repair the rear fence. However, because of the different configuration of the garden behind us, our rear fence is actually the neighbour’s left hand fence. If this is the case, then are we still definitely responsible for this fence? The deeds do not say whose fence it is! Does anybody have any ideas please?
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