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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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kiptower

Cooking with Halogen Cookers

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I wonder how many have bought these and use them regular

 

or

 

used it once and forgot it

 

too much trouble to use

 

didnt like it

 

 

never know this might turn into a Halogen Recipe thread ;)

 

we bought 1 few months back and so did 2 friends, who are also caggers, the one that JML sell, have to say very pleased, and been swaping photo's of what we have cooked,

 

2 recent examples, done by a mate who had never done any cooking before

 

pics382f.jpg

 

 

pics425.jpg

Edited by kiptower

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Like Cooking ? check the Halogen Cooker thread

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When you say Halogen do you mean lamps ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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no mart as in these in the JML link

 

Halogen oven

 

 

halogenoven.jpg

Edited by kiptower

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Like Cooking ? check the Halogen Cooker thread

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I bought one of these halogen ovens just short of a year ago and I absolutely love it. I use it everyday and am now trying to justify getting myself a bigger version!

 

I'm also convinced that it is why my electricity bill has fallen, because if I only have a small amount to cook then it is much cheaper to use than putting on the full electric oven. I also much prefer it over my microwave oven/grill, which doesn't come close to cooking anything so well as the halogen oven.

 

The only thing I've not had much luck cooking in it is a ready meal in a foil container. It just didn't seem to want to cook through to the middle very easily. Baked potatoes/fish/chicken/sausages and even cheese on toast have been a resounding success though :)

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get the extender ring from the JML site you can use 2 of them, or check out Amazon you can get a kit with the extra trays quite cheap


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Like Cooking ? check the Halogen Cooker thread

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Mine isnt a JML model, so no extender rings available. I thought I would start with a smaller, less expensive version to see how I got on with it. I am thinking about the JML one now though, because a) it's bigger and b) you can get the accessories.

 

One small hint to anyone wanting to get a JML version - go to Robert Dyas or ASDA because they sell them instore so no postage to pay! Saves about £5 that way.

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Ideal World on freeview 22 , Virgin 747 and sky do it on offer regular about £45 with the extras and the lid is on a hinge, and they demo lots of things being cooked in it, its 11 ltr version where the JML is 12 ltr


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Like Cooking ? check the Halogen Cooker thread

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just as Kiptower is using my pictures of my meals and not his own....lol

here are some more.

 

enjoy:)

 

pics418.jpg

 

pics429.jpg

 

pics421.jpg

 

pics396.jpg

Edited by fivenecks

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I am looking at getting one of these, it sounds like a great saving of electricity (our cooker is electric and isn't particularly brilliant at some things). I use a steamer quite a bit, one of those layered saucepans.

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How does consumption compare with against a gas cooker, does anyone know? I thought halogen hoovered up kw like nobody's business? :-?

 

(Speaking as someone who is majorly investing in LED bulbs at the moment, replacing all the lighting in the house, not cheap at £5 - £8 a bulb, but paying for themselves as elec bills decrease exponentially)

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wife did some tests ,

 

heat up time 1 minute or so , gas oven 20 odd minutes

 

roughly about 70 - 80% of the cost to cook with gas, so there is a saving over gas, test was done on Roasting a Chicken as in the Pic above of the one Fivenecks did ( he will only moan if he dont get credit :D )

 

as the heat is only on part of the time , and because cooking time is also reduced its less than 50% of the electric cost,

 

its a smaller area to heat than a normal oven , the heat is only a 1300 watt bulb and as Halogen ratio to heat is the highest in any cooking, also turbo fan, its energy saving all round,

 

try and catch the adverts on shopping tv channels for it,

 

you could always ask that fivenecks for more pic's and how to cook with it ,, ;) ;)


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Like Cooking ? check the Halogen Cooker thread

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I couldn't quote you exact figures off the top of my head, but the halogen oven definately seems to be one of the main reasons for my electricity bill dropping. If I want a baked potato, I now use the halogen oven and it takes about an hour for a largish spud. You have no heat up time, unlike the conventional oven, so it is much quicker, and if you only want one or two potatoes then obviously it is better than having to use a large oven. There are only two of us at home, so the smaller version has proved ok, but I would recommend the larger one for a bigger family.

 

I am genuinely impressed with my little halogen cooker. I even managed to fit a curry into it in a pyrex dish and it cooked beautifully without boiling over like it does in the oven. Had to stir it a couple of times but it was worth the effort lol.

 

I am seriously considering buying the bigger version as it has become a well used piece of equipment in my kitchen. (It's also great if you have been out all day and want to do something quick like pizza as a snack. Really quick to cook, and obviously no messing around with the large oven again. Oh, and it is really, really easy to clean as well.)

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here we go the cooking tips time :rolleyes:

 

baked spud's ( use Maris Pipers if you can get large ones )

 

put 2 very large ones in the microwave first , prick them right through and M/Wave them for about 10 minutes,

 

inside is really soft and fluffy then, and reduces time in the halogen ;)

 

will have to get that fivenecks to post a pic when he does his next lot ,,

Edited by kiptower

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Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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inside is really soft and fluffy them, and reduces time in the halogen ;)

 

 

 

Mm, I wonder what I will be having for tea tonight? I'm feeling hungry already:-D

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put the chops over the potatoes for the last 15 mins so the fat covers the potatoes.

 

pics377.jpg

Edited by fivenecks
add text

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30min dinner .....i think all my pics show that i love brussels.....lol

 

pics452.jpg

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Nothing wrong with brussels.

 

Looks lovely!

x:)x

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marinated party chicken skewers from asda, 15mins on 200oC and look no brussels....lol

 

pics455.jpg

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;)rumble

 

 

Apple?

 

:D


All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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OH NO dont mention Crumble to fivenecks , ( he thinks it has breadcrumbs in it )

 

but as FN was a cant cook wont cook not so long ago he is doing very well so far,


NEVER FORGET

 

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HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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thought i would try a quick ready meal and the potato was nice and crisp......and would be nice with some chips.........and look no brussels.....lol

 

pics461.jpg

 

pics462.jpg

Edited by fivenecks

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