Jump to content


  • Tweets

  • Posts

    • Well, he owed a debt, had that debt established in court and then defied the court by not paying the debt even when ordered to by the judge.   That's what a credit report would conclude.  Doesn't matter that the "debt" didn't exist and was made up by fleecers, once he didn't defend the court claim he was going to lose and once he didn't pay a CCJ was inevitable.   Yes, a set aside is the way to go.  I don't think there is a time limit, plenty of people go for a set aside yonks after the event as they had moved and never got the court papers.    
    • Thank you so much for your thorough reply.   I'm trying to work out the simplest way to deal with this. I don't really want to have to fight things through the courts if it does come to that, and I"m trying to work out if I have a cooling off period at all. I wonder if you can tell me.    I viewed the car in person and took it for a test drive. But I then went away and eventually called the dealership back to arrange to buy the car. I agreed to buy the car and paid £500 deposit to secure the car over the phone.    I then went into the dealership and completed the purchase in person when I collected the car.    Do I therefore have the legal right to a 14 day cooling off period as I was a telephone purchase for at least part of the price? Or does this only apply to a purchase completed over the phone or online? Thanks
    • So they can’t even get a CCJ against me? Unless they sell the debt? Even though this is a debt it’s not a “credit agreement” that’s defaulted so does this come into play?    I read on on another website forum that a guy had a £12,000 negative balance and he had agreed a monthly repayment plan with the DCA. Has just given in to easily in your opinion?   
    • Hi,   Do you have an update on this? Curious to know what they said.    I may be in a similar situation, 5 year old car has signs of crash damage, although yet to inspect it properly. 
    • Hi Everyone,   ..not been on here for ages......😜   Asking for my best mate.   He just had a CCJ issued against him for a Premier parking issue, one these speculative invoices I think. I don’t need to go into details now as my questions are simple to start with, etc but you can guess he ignored everything,did nothing, and it’s gone this far, reasons for another time.   Anyway, a few questions please, can you help...   Is the only thing he can do now is a “set aside application”? And is that request time limited, does he have to do it within a certain timeframe.   After reading a few things on here am I right to assume the Set Aside is a tricky thing to do?   He is only trying to repair his credit rating, which halved upon this CCJ!!!!! His was perfect before this.   In a slightly related question, why are parking fines related to a credit report. It’s not like he missed a loan repayment or credit bill payment. You could argue that non payment of spurious questionable parking fine is certainly not related to the repayment of credit or credit worthiness....   TIA Steve
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3628 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

Hi al, I had the misfortune of getting broken into last week. I lost a TV , laptop and some personal belongings. I've just had the loss adjuster on the phone to say I'm not covered as the mortar locks were not on on the front door. I feel like I've been robbed twice..Do I have the right to appeal?????The insurance company is Paymentshield...Thanks in advance

Share this post


Link to post
Share on other sites
Hi al, I had the misfortune of getting broken into last week. I lost a TV , laptop and some personal belongings. I've just had the loss adjuster on the phone to say I'm not covered as the mortar locks were not on on the front door. I feel like I've been robbed twice..Do I have the right to appeal?????The insurance company is Paymentshield...Thanks in advance

 

Read your policy wording. Is there a minimum security condition? If you don't have your policy wording, request it from the adjusters.

Share this post


Link to post
Share on other sites

was it a forced entry? or did they just open the door as the locks were not on?

 

When your home is left

without any occupants, or

when your family retire at

night, we will not provide any

cover for theft or attempted

theft at your home, unless the

following security condition is

met:

• Use all the locks and bolts

on all the outside doors.

• Use all the locks and

security fastenings on all

the windows.

When your family retire at

night the locks and security

fastenings on windows in

occupied rooms do not need

to be used.

Edited by vusys1

Share this post


Link to post
Share on other sites

From your OP it's hard to understand what you mean when you say the mortar locks were not on on the front door.

 

Are you saying that the front door does have mortar locks fitted but they were not in use, or are you saying that the front door does not have mortar locks fitted?

 

Mossy

Share this post


Link to post
Share on other sites

There is three locks on the door, only the Yale type lock was locked....However the alarm was on. It seems from the wording I'd have been better off not having these deadlocks fitted at all. Of course I could have triple locked the door but there's nothing to say they still wouldn't have gained entry...

Share this post


Link to post
Share on other sites

did they gain entry & exit via this door?

Share this post


Link to post
Share on other sites
There is three locks on the door, only the Yale type lock was locked....However the alarm was on. It seems from the wording I'd have been better off not having these deadlocks fitted at all. Of course I could have triple locked the door but there's nothing to say they still wouldn't have gained entry...

 

That I am afraid is the crux of the problem, the locks were fitted but not in use, I would imagine your insurers state this in their terms and conditions.

 

I agree there's nothing to say that they still wouldn't have gained entry, but conversely their is an argument that it might have delayed or stopped them.

 

Mossy

Share this post


Link to post
Share on other sites

you could argue that the amount of force used would not have made any difference if the mortice lock had been on. Locks will only deter or delay,if a thief wants to get in they will.

Share this post


Link to post
Share on other sites
you could argue that the amount of force used would not have made any difference if the mortice lock had been on. Locks will only deter or delay,if a thief wants to get in they will.

 

Totally agree with that, but insurers will probably argue that the delay may prevent a break-in or even deter it totally.

 

If it's a condition of the policy that mortice locks are fitted and used, or used if fitted then the OP has no argument

 

Mossy

Share this post


Link to post
Share on other sites

I'm very sorry to hear about what happened to you jonathan440, it's horrible when someone invades your private space...

 

I can only echo what others have said. If the exact wording of the policy states that the locks must be in use, assuming you declared them when you took out the policy, then you won't have much luck. If you're unsure, try scanning the policy documents and posting them.

 

All the best.

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...