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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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hilaryfrances

Now official Im a celebrity is over, nominations please for replacements

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:D Let me start with my boss`s son, he is a very pompous little Pr*** and I hate him. I would love to be able to send him to the jungle to eat worms

 

:D:D

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Hmm. Lets see. I'd like to see the baby machine that liveth next door and the feral sprogs she keeps producing. They could keep the bug population down and actually be usefull to society.


Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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I think the royal family will be a good choice. I can keep an eye on things at Bucky Palace while they are away.;)


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Katie Price yet again and let's get her to do all the trials but ban her from mentioning "the press" and/or Peter Andre :D

Now that would be torture :D


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Jedward . . . . That'll make men of that pair. .


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5 posts an no Angela Knight? You caggers are slipping!


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5 posts an no Angela Knight? You caggers are slipping!

 

 

 

 

We don't think that is fair on the Australian environment:(.


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Ahh... I forgot about their strict rules on importing pond life


If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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I don't follow it, so don't know how many people you need?

 

So, in the interest of having a varied choice:

 

DD's manager who has bullying her for months and when she got signed off with stress, pretended no to have received her sick note so she didn't get paid this month. :mad:

 

Angela Knight, of course.

 

DD's flatmate parents, who think that "discussion" means yelling, swearing and trying to force her into accepting bad terms.

 

Louis Walsh.

 

Nick Griffin.

 

My neighbour's 3 kids from hell, and might as well send her in there too so she can take responsability for their actions for once in her life.

 

Let me know if that's enough, if not don't you worry, I can think of plenty more.

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5 posts an no Angela Knight? You caggers are slipping!

 

That would be very cruel to the other contestants . . . I like it :D


Some useful links.

FAQ's

Making Posts

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AQ Guide to Completion

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Banking Code Website

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Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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All RBS bankers in line for a bonus...

 

Anyone who is above cashier level in Lloyds TSB...


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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OH or as he is affectionately know Grumpt old goat, he would make Kim look like a slob and i could live happily in my trough

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OH or as he is affectionately know Grumpt old goat, he would make Kim look like a slob and i could live happily in my trough

 

 

Hey I got one of those as well, but he does not clean! Just collects hobbies, maybe he could go there with his blessed model train! Dinning room table now full of model buildings he is making. Including coal shed with real coal, not what a want in my dinning room someone breaking coal into tiny pieces. Apperently it looks "authentic!"

 

 

:cool:

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