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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Washer Catches Fire Damages Kitchen Claim Advice Now Needed


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BOUGHT WASHING MACHINE FROM FINANCE CO IT IS 23 MTHS OLD .NOTHING BUT PROBLEMS WITH IT .MOTHER BOARD REPLACED TWICE VARIOUS OTHER PARTS REPLACED IN THE SHORT PERIOD. TODAY IT CAUGHT FIRE WHILST WORKING IN THE KITCHEN .DESTROYING THE WASHER DRYER ALSO THE UNIT TOPS AND SIDES OF KITCHEN UNITS SEVERE SMOKE DAMAGE .WATER UNDER ALL UNITS DUE TO FIRE BRIGADE LIKE FLOODED ECT .the finance co say its the manufacturers fault under warranty ect .so do i claim on who is responsible.my insurers do i claim from .advice needed asp

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Okay, This falls under the Supply of Goods Act 1973 (as amended). Check this link for a letter template to send to the finance company. It is the finance company who needs to sort this out for you, not the manufacturer.

Note than in this link there is a basic mention of your rights, including your right to claim damages. In my opinion you should therefore mention in the letter the damage that has been caused by the Washing Machine and state that you want the Washing Machine to be replaced and that you want compensation for damage caused by the faulty machine.

 

Consumer Direct - Supply of Goods (Implied Terms) Act 1973 ? Hire Purchase Agreement complaint letter to the finance company.

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also see here:

 

Product Liability, Defective Products, Unsafe Products Fact Sheet - BIS

 

The CPA can enable a claim for damage against the manufacturer, but you won't be able to claim the cost of the item that caused the damage. Strange, i know. this means you could claim the cost of the damage to the kitchen, but not the washer.

 

a contract claim is better as you can recover all your losses providing the supplier/finance co don't vanish.

 

(but it is the sale of goods act 1979, not '73...)

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updated you guys and ladies .thanks for your help .indeset the manufactuer sent out there engineer.he said it was beyond repair ,we knew that .indeset phoned and wanted the washer back to investigate where the suspect fire started.should i let them have it back or not . as for buy as you view the financer they decided not to turn up at all appt made for today they stayed away. what is next .fire brigade investigation fire started in the mother board .maybe a fault in the washer.

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right a futher update . buy as you view have turned up very late but better late than never. they said they can replace the washer as im covered on a warranty i took out with them .but not sure as with regards the damage caused by the fire. so the damage done to kitchen units and work surface ect.also severe smoke damage. also damage to clothes in washer and also tumble dryer .a builder who has inspected the damage also stated the units on the other side of the kitchen have had water under them as a result of 2 hoses into kitchen. he mentioned the units being made of woodchip would have absorbed the water and will crack and rot swell.as this fire was the fault of the washing machine that set the mother board on fire results of fire investigation .so what can i do who can i claim of and what can i claim ....or should i go through my own insurers .....

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Your contract is with the finance company. The damage was caused by the product that they supplied you. You won't be claiming under a warranty that they have sold you, you will be claiming under your statutory rights - the supply of goods act. Don't let them fob you off - any warranty is in addition to your statutory rights.

 

In addition, if they replace the washing machine, do not sign any sort of agreement for the new one.

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i think that it is time to see a professional, or at least talk to your insurance company and explain the situation.

 

Personally, I wouldn't let them take the dryer, or your evidence evaporates.

 

(ha ha)

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THAT IS WHAT I THOUGHT KRAKEN, INDET RANG ME YESTERDAY AND SAID WE WONT CONSIDER ANY CLAIM UNTILWE HAVE THE WASHER BACK FOR FUTHER INVESTIGATION.I SEE FROM OTHER POSTS INDESET HAD LOTS OF PROBLEMS WITH WASHING MACHINES . ALSO I HAVE E MAILED BUY AS YOU VIEW T/A DUNRAVEN FINANCE TOLD THEM THEY HAVE 14 DAYS TO PUT THIS MATTER RIGHT .ALSO I E MAILED CONSUMER DIRECT FOR THERE HELP AS WELL BUT NOT HEARD FROM THEM AT ALL .SO AS U CAN SEE IM RUNNING OUT OF OPTIONS OF WHAT TO DO TO RESOLVE THIS MATTER.

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Do you have a written report from the Frie brigade? That should take away the need for the company to have the burnt out machine I would have thought. After all, its unlikely that the Brigades report is inaccurate! Try that one.

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consumer direct have rung me today chase the finance co and dont send the washer to indeset as ur pursuing the finance co do we know if buy as you view and duraven finance are the same company ??????????????. also i have contacted the fire service for there report.all your help is appriciated. need to know what i can and should claim for as well .never had this happen hopes it wont nhappen again

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consumer direct have rung me today chase the finance co and dont send the washer to indeset as ur pursuing the finance co do we know if buy as you view and duraven finance are the same company ??????????????. also i have contacted the fire service for there report.all your help is appriciated. need to know what i can and should claim for as well .never had this happen hopes it wont nhappen again

 

can you quote the model and serial no# and year of manufacture. I can then check if there are any outstanding issues with this particular unit ie recalls, defects etc as I can accsess most manufacturers technical bullitens that are not available to the public. Just incase the manufacturer might want to pull a fast one.

 

you can pm me the details if you feel more confident in doing so.

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