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    • Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say? In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens. In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into. Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.  
    • I have booked a Hotel/Flights Package with the above paying a 10% deposit with the balance due a month before travel next August.   On looking at Cancellation Charges they virtually say 100% 84 days out plus.   According to the Package Travel and Linked Travel Arrangements regulations 2018 - termination fees have to be "Reasonable and Justifiable"   I find it hard to comprehend how last minutes charges could fall into the above description.   For example the hotel is available on Booking.com for our dates with no pre-payment and free cancellation up to the day before arrival.   I'm not sure of their arrangement with BA but the tickets we reserved have doubled in price in the last week and could easily be resold.   I can't find any anecdotal evidence or Court Cases relating to them trying to collect Cancellation Charges from people who have not already paid the full balance and cancel. If I were to cancel 8 months out is it likely they would pursue me for the remaining balance.    
    • 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.    
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Builder problem

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My favourite auntie is having major head ache with idiot builder.


Long story short:


Builder agreed to build extension with bed room en suite and an extra bath room.


En suite and bathroom were to have electric underfloor heating


Auntie went away for three weeks while the work was done, bathroom and en suite floors are tiled.


Auntie comes back and ask where the controls for the under floor heating are.


Builder: "What underfloor heating?"


(He forgot to fit it before the floors went down - Doh!)


Builder is now refusing to recognise his mistake and lift the tiled floors, fit the agreed electric underfloor heating and refit floors.


Builder now expects to be paid for some reason.

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I assume that you have a written quote from the builders detailing exactly what they were going to do?


or some blue prints/architectural drawings that indicate underfloor heating was going to be installed?


with these you could at least prove that the job isn't finished.

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Let common sense prevail.....why would your aunt be witholding money for any other reason ?I presume she is happy with everything else apart from the fact there is no underfloor heating ? anything in the quote ? has the underfloor heating already been purchased ? Your aunt should not have to pay to correct the mistake the builder made....i'm sure he has some indemnity insurance....maybe she should get a quote to fit the heating and put the tiles back down then submit that from the dodgy builders invoice....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.


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My favourite auntie has now had advice from a solicitor.


(Common sense will of course prevail, 42man) :-)


1) get a quote from another builder for removal of the floors


2) use this figure as basis for the compensation quantum


3) try not to pay for as long as possible, although of course the builder would have a case for a claim if she didnt. Just hold off for a while until we have enough info to make a small claim for compensation due to builder 1 forgetting about the under floor heating.


4) Hopefully builder 1 can be persuaded to reduce the overall bill by the amount it will cost to put right his daft mistake.

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