Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • EU deal replicated 'as far as possible' ... aka less than   "The British Government is continuing to work intensively on securing continuity with other countries. We have secured agreements – either signed or agreed in principle - that account for 64% of the UK’s trade with all the countries with which the UK is seeking continuity, should we leave the EU without a deal."   With what I've seen on that page I linked earlier, that would seem to be decidedly unambitious 'trade deals across the world larger than the EU
    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3987 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

We had a boat that was set adrift from its ponton and destroyed by fire , the insurance wont pay because they say it was not in use , when in fact we were on board the day before getting her ready for the summer ,we have been to solicitors but they were not very helpfull , Can anyone please help us i dont know what else to do , thank you for reading this ,I hope you can help regards lady1947.

Share this post


Link to post
Share on other sites

What does the policy say in terms of use or not coverage.

Share this post


Link to post
Share on other sites

Hi Conniff, The policy says the boat must be out of the water when not in use , its insured when its moored or at anchor and must be secured when unattended , which she was ,but they are still not paying , they say that when we are not on it , it should be in dry dock , which for a 22ft cabin cruiser is not good ,

Share this post


Link to post
Share on other sites

That's impractical. You're supposed to haul it out of the water each time it's not in use? That's not possible. Would you have to crane it out? In which case it would cost a fortune.You should write to one of the sailing magazines about this shower. They'll soon find yachties avoiding them in droves. Usually a boat of that size would be in the water for much of the summer.

 

Apart from that gripe it was in use. Contact them again and ask them to define "out of use."

Share this post


Link to post
Share on other sites

Thank you Fuzzgin for your advise , I will contact them first thing monday morning and hopefully they will see that our claim is right , but i still think they will try to get out of paying . My daughter , who i spoke to today says to get in contact with the ombusmen , what do you think ?

Share this post


Link to post
Share on other sites

It wasn't out of use, it was unattended. Does the policy state you have to be onboard 24/7 whenever it's in the water?

 

If its covered when its moored and secured, check the small print to see what the maximum period for being unattended is stated as.

 

For example my home insurance asks me confirm that our home isn't unattended for more than 30 days and this forms part of my contract with them.

 

It sounds like you can easily prove that you had been attending to the boat so its difficult to see how they could use this argument to get out of paying.

 

I'm curious to know how the came to the conclusion it was not in use?

Share this post


Link to post
Share on other sites

Any news on this?

Share this post


Link to post
Share on other sites

Hi Fuzzgin Waiting on news at the moment , because we have written to the ombudsmen explaining the problem , we know it will take time for them to deal with it , but we are hopefull . Thank you for asking , and i will let you know what happens , but we think it will take 6 to 9 months before we hear , that will be for there decision , and an appeal if needed , regards Sandy

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...