Jump to content


  • Tweets

  • Posts

    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all clearly showing a £60.00 parking charge notice (which will  be reduced if paid promptly).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable. Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 2) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Halifax decline water damage home insurance claim **WON VIA FOS**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4672 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

We moved into our property a year ago and a couple of months back there was driving rain on a particular day. When we got in from work our lounge had water lying on it. Water was dripping from the dowlights and the curtains were soaking wet. We dried up all the mess but over the next couple of days our wooden floor began to swell and heave.

 

We got a builder out who repaired the damage which was on the outside of the building. (which we hadnt noticed until the heavy rain)

There were two bits of damage, one on the wall above the window and the beading around the external window (he repaired both to be on the safe side)

 

We put a claim into Halifax and they told us to get a quote so we did and it came in just over £3000 plus vat. Halifax said due to the amount they would send one of their contractors. The surveyor came out and then halifax said that they would send out a PCC. On the day of the visit there were two PCC's which i thought was strange but they done their stuff and that was that.

 

A week later they phoned to say the claim was declined as they could not see any damage on the external of the building. (It had been repaired at this point but if they had looked closely enough then they would have seen it).

 

We sent a letter concerning the decline of the claim and a reply came back saying that they stood by their decision as it was their opinion that water had been coming into our property over a period of time.

 

We have Buildings & Contents & accidental contents cover.

 

We paid for the outside to be repaired but thought the insurance would cover at least the floor and ceiling.

 

Your views?

Link to post
Share on other sites

I can understand why you acted in haste and got the outside repaired asap, get a statement from the builder who repaired your property stating what work he did and why he did it (get him to confirm that this was allowing ingress of water to your property). Take photos that clearly show this work.

 

Send that to the Halifax with a strongly worded letter of complaint, stating you have buildings and contents cover, you carried the work out quickly to stop further damage occuring and you now insist they deal with the claim or you will go to the Ombudsman.

 

Refute their claim that water had been coming in for a long period of time and tell them that if that had been the case you would have dealt with it as soon as it was discovered (as you did in this case). Explain that it is possible that water can enter a building and not be detected until such time that it does become obvious (ie in driving rain), if you have a copy of the surveyors report on your recently acquired property and that doesn't mention anything untoward then send them a copy as proof that your property was sound when you moved in.

 

If they still refuse to deal with it ask them to state their reasons in full and in writing and post back here for further advice.

 

Mossy

Link to post
Share on other sites

Check to see if your policy includes some sort of Home Emergency Cover. This covers the cost of emergency repairs up to a certain amount that are designed to be either (a) temporary fixes or (b) permanent fixes where a permanent fix costs the same or less as a temporary fix.

 

As the damage was allowing an ingress of water you can claim that you got the repairs made asap in order to stop further damage (and a greater claim on your insurance). This should also help support your claim.

 

 

This is a typical insurer catch-22 situation. If you had not made the repairs then they may have offered a lower amount claiming that you were liable for damage caused after you were aware of the problem but made no effort to fix it.

Link to post
Share on other sites

  • 2 months later...

We have just heard back from the Insurers. The girl who phoned was very nice and helpful. She stated that we could reach an amicable decision regarding our flooring without getting the FSA involved. (The ceiling is also damaged but we can live with that as long as the floor was repaired) Call ended and we thought excellent, it will get one in time for christmas. An hour later the same girl phones again to say that they would not be paying for the floor, :confused::confused::confused: as its not covered under contents. The flooring is uni click re-useable and is not under the skirting but has beading.

 

The reason that they have now declined is because of the beading.

 

They are sending out the decision again in writing so we can take it to the FSA.

 

We are passed being mad now and if the FSA say no then we will just live with it till we get enough cash to do it.

Link to post
Share on other sites

It would appear that they are differentiating the flooring as not being covered as it is 'portable', i.e. It is contents rather than buildings.

 

Although you have both buikdings and contents insurance, are they both with Halifax?

 

If yes, it would appear that you may have to remind them you have both buildings and contents covered!

 

H

Link to post
Share on other sites

  • 2 months later...

both buildings and contents with halifax. contents has accidental cover.

 

1st year went with no claims but made a claim on the 2nd year. Knocked back due to having no accident cover on building. (we have it on contents) currently in dispute.

 

damage: ceiling, cove, wallpaper, subfloor, laminate click

asked to get estimate which was £3700 plus vat

 

when we took out our mortgage we decided on everything with them. life ins etc.. the halifax advisor recommended accidental cover on contents as we have two young sons but not to bother with accident cover on buildings. we went on her advice.

 

i spoke to the branch manager who said that due to signing the renewal for the 2nd year, there was nothing they could do about it plus we should have read the policy. So true but we thought we had the lot covered.

 

we asked for cover for anything that happened in our home, but as it stands were not covered for any ceilings, floors, decoration etc...

 

I feel that the halifax did not advise on the correct cover for our needs.

 

I know we should have read everything in the paperwork.

 

thanx.

Link to post
Share on other sites

  • 4 months later...

Over a year and a half ago we made a claim under our home insurance but the claim was not met by the insurers as the stated that our click flooring was under buildings insurance and not contents. Had both with the same company but no accidental cover on buildings but had on contents.

 

Long story short we contacted the Financial Ombudsman but they are now asking for receipts for the flooring and an invoice for the joiner who installed the floor. The floor was bought and laid around 2 years ago and we dont have any receipts.

 

Second question is IF the insurers do pay out for the floor, would we be entilted to any compensation due to the time limits and the stress caused between me and my partner.

 

Seriously though the amount of agro ive had from the wife moaning constantly about the floor and having to move the couch and chairs over the damaged parts so no one could see.

 

Thanx.

Link to post
Share on other sites

Generally, buildings insurance covers the structure of the home together with its fixtures and fittings, whereas contents insurance covers the contents of your home, the possessions you would take with you if you moved house. Is the flooring permanently fixed to the house, or would you be able to take it with you if you moved? I think that's the question which would determine whether your claim will be met or not. I know that ordinary carpets are considered to be contents, as you can easily remove them and re-lay them elsewhere.

 

As for receipts - do you still have access to your bank statements/credit card statements from 2 years ago, showing the payments to the joiner? If you don't have them, you could ask your bank to send you a copy of the relevant statement, but they might charge you for it. If you do internet banking, you might be able to access your statements on there free of charge, although I'm not sure how many months they go back.

Link to post
Share on other sites

Thanx Lemon Twist,

 

The insurers have advised that they will class flooring as contents as its not fixed in any way.

 

Receipts: Flooring was paid by cash as was the joiner. I only have a mobile no for the joiner but no reply.

 

Thanx.

Link to post
Share on other sites

  • 2 months later...

we had made a claim for water damage to our house after heay rainfall but insurer wont meet the claim as it states in the policy.

 

we will not cover you for:

loss or damage by water entering your home

regardlessof how it happened

 

Insurer state that there were no storm conditions, but did agree that there was heavy rainfall. We have buildings and contents with same insurer. Accedental cover on contents.

Link to post
Share on other sites

we had made a claim for water damage to our house after heay rainfall but insurer wont meet the claim as it states in the policy.

 

we will not cover you for:

loss or damage by water entering your home

regardlessof how it happened

 

Insurer state that there were no storm conditions, but did agree that there was heavy rainfall. We have buildings and contents with same insurer. Accedental cover on contents.

 

 

 

 

Are you asking a question somewhere in that post or are you just telling us about what your policy doesn't cover you for?

 

Mossy

Link to post
Share on other sites

Are you asking a question somewhere in that post or are you just telling us about what your policy doesn't cover you for?

 

Mossy

 

 

:D:D

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

Link to post
Share on other sites

Suppose i could have constructed my post a bit better.

 

Try again -

 

Three grands worth of damage to our flooring but insurer say we are not covered due to the wording in the policy -

 

we will not cover you for:

loss or damage by water entering your home

regard lessof how it happened

Basically asking for advice on could i argue anything against their decision or are we basically going to have to pay for the damage.

Link to post
Share on other sites

Well - the damage is exluded from the policy, so you arent covered, cant see what else you could possibly do!

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

Link to post
Share on other sites

  • 1 year later...

After a long wait (3 1/2 years), the ombudsman has agreed in our favour regarding a home insurance claim:whoo:

 

In their letter they state that interest at a rate of 8% simple should be added by the insurers.

 

Just wondering how would they calculate this.

 

cheers

Link to post
Share on other sites

Congratulations. That's a long time to wait for justice.

 

I think at this time of night I'll pass on the interest calculation, but I think the 'simple' answer is that you don't earn interest on interest year by year. I'm sure I saw someone's signature the other day said they had a thread/sticky about this, will post it if I remember. Or you could google it.

 

My best, HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thread moved.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

they'll prob use this:

 

http://www.egalegal.com/compoundWindow.html

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

they'll prob use this:

 

http://www.egalegal.com/compoundWindow.html

 

dx

 

Nah thats compound interest, theyre suggesting simple interest which is basically the s69 court interest, they should work it out from each premium taken and add the 8% flat interest on each payment when it was taken... if you want to see how much it should be download the excel spreadsheet for a claim and enter in all the ppi payments and dates and see how much stat s69 interest the spreadsheet suggests.

 

S.

Link to post
Share on other sites

http://www.bllaw.co.uk/services_for_businesses/insolvency_and_recovery/simple_interest_calculator.aspx

 

ok then this one

 

but i know they use the other even on simple 8%

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 months later...

well done

donation time.......

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to Halifax decline water damage home insurance claim **WON VIA FOS**
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...