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    • So if you're expecting a baby in the next couple of weeks not only can you not buy baby clothes or bedding in Tesco but he also wanted to stop new parents getting the stuff online?  I'm sure I read somewhere that non-essential retailers who have had to close may still deliver.  Does this mean you can get non-essential items in your supermarket shop if it's delivered but not if you shop in store?    This sort of stupidity isn't to do with the virus, it's a pure power play surely.
    • PDF please so we can zoom  read upload   any road marking on private land are purely tarmac graffiti and have no standing in law. and anyway all speculative invoices issue for parking have a 10min grace period   dx      
    • https://www.youtube.com/results?search_query=flip+side+toy  
    • In fact I can see that it cost 20 quid and it's for eight-year-olds. I'm afraid that you've had about eight months use out of it – it's certainly not worth going to court about and frankly I don't think there's much you can do. The rule is that good should be of satisfactory quality and remain that way for a reasonable period of time. Satisfactory quality depends on the item, the price paid, what it is intended for – and any other relevant circumstances. Although I can imagine that if people thought they were only going to last eight months, nobody would buy them – at the end of the day it may well be that you couldn't have expected much more life from it – may be in the hands of a young child. In terms of finding the sequence of voice commands to access other functions, have you tried looking at YouTube? There are often all sorts of very surprising little videos on YouTube that can be a great help. I'm afraid that you're probably just going to have to accept it.   Incidentally, the retailer is absolutely wrong simply to say that you have no redress because it is older than six months. Six months has nothing to do with it. It's really about satisfactory quality – but the problem here is that it is such a cheap item – that even if it is not satisfactory, it scarcely worth making trouble. If you want to make trouble then we will help you – but it probably is much more effort than it's worth
    • How much did you pay for it? What age group is it intended for?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hello All,

 

 

Today I had a lorry sideswipe me (his fault).

 

My front bumper was ripped off, the passenger electric mirror was ripped off, the passenger front and rear doors are very badly scratched and a dent along the whole thing (will need new skins on each) the front wheel arch on passenger side is dented and scratched, the front panel is scratched and dented on passenger side and cosmetic damage here and there on the other side due to being pushed into trees/bushes on the driver side. the temperature sensor and a few wires are also hanging out where the front bumper once was

 

i drive an 04 plate vectra 1.8ls with 57k miles. i bought it last year with 39k miles form £3600. do you think they will write the car off? I loved my Vectra but will buy another if written off. i dont want a vectra that has been tainted by damage even if repaired.boom.gif

 

Cheers all,

 

Steve

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Although I can understand your reluctance to keep a car that has had to have major repair work, you will have no say in whether it is repaired or written off by the insurance companies. As far as I know, they will use their "normal" formula of repair cost against car value to determine if it is a write off which used to be if the repair would be more than about 50% of the current car value.

 

Don't be so wishful for a write off though, because the value the insurance companies put on your car doesn't always reflect what you think it is worth!

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HI Thanks for the response.

 

I understand they will give me marketvalue etc and will offer a low amount if written off.

 

I have done some research on this forum and others reccommending to copy and paste cars of similar age and mileage etc and to use these prices as examples of what the payout should be. I can be a tough cookie when i need to be but understand it may be a drawn out process. Also, Until they payout (assuming its written off - it will certainly cost more than 50% of the cars value), they will have to pay for my hire car cost, which will keep putting the payout price up.

 

Incidentally the 3rd party admitted liability (said he didnt see me as i was in his blind spot) to the police offer attending) and so the cost to me will be zero.

 

thanks,

 

Steve

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I can be a tough cookie when i need to be but understand it may be a drawn out process. Also, Until they payout (assuming its written off - it will certainly cost more than 50% of the cars value), they will have to pay for my hire car cost, which will keep putting the payout price up.

 

 

 

Be careful in this area also regarding hire costs. These are not unlimited and (for example) even as the innocent party, you are required to keep all costs incurred to a minimum. This could include buying a cheap "runaround" whilst the claim is progressing if the alternative seems to be a fairly long term hire, especially if an offer is made to you which you reject and the hire is now going beyond what the insurance companies think is "reasonable".

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I had a similar situation last month to my ford galaxy.

 

Front bumper ripped off, drivers side swiped. Caused £3000 worth of damange and the insurers wrote the car off.

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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The car has now been written off and they have offered me £2300 which of course I have rejected.

 

I spoke to the case officer yesterday who understood that 2300 would not buy me anything like what I had, and I told her of the evidence I have gathered of 10 2004 1.8ls vectras with 50-60k miles which all cost between £3100 and £3800. I have omitted the lowest costing and the ridiculously high costing and sought the median.

The case officer seemed to agree of the low offer and said it was a starting point. In lieu of the evidence I told her I would not accept under £3300 which I hope the next offer will be closer to.

 

Scarletboyambyth

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As the other driver was at fault, you can sue him for the difference.

 

Whilst your contract with your insurance allows them to offer trade value, you are entitled to be put back into the same position as you were in before the 'accident'.

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As the other driver was at fault, you can sue him for the difference.

 

Whilst your contract with your insurance allows them to offer trade value, you are entitled to be put back into the same position as you were in before the 'accident'.

 

I'm not convinced that would stand up.

 

The principle of insurance is to be put back into the position you were in and that duty lies with the OP's insurers (if they are fully comprehensive and choose to claim from them). In the event that happens the TP insurers are only responsible and liable for uninsured losses. The OP's insurers do not offer trade value, they are bound by contract to offer what they think it would take to replace the car with a similar one, their offer will be based on what the engineer/assessor values the car at, and to be fair it is rarely GG trade value that is offered.

 

(The OP does have the choice to deal direct with the TP insurers and not their own insurers)

 

The OP cannot have 'two bites of the cherry' ie to accept one figure from their own insurers as being the value of the car and then to persue a claim against the other insurers stating they were paid out less than market value and are now seeking the difference.

 

I am 99% certain the judge would find for the other side if such a claim were made.

 

Mossy

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Just an another update and to say thanks!

 

I have received the requested figure of £3300.

 

I cannot praise bell insurace enough. They have been great and I can now find another car. any suggestions for circa £3500 and a car big enough and comfy enough to drive 20,000 miles a year?

 

Steve

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