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    • Don't worry, a week and a half is fine, especially as you've already drafted a WS. However, we need to see everything as dx says in the post above.
    • This preliminary hearing has been allocated 20 minutes so it should be fairly simple. However, judges are always on the look-out to get cases settled and sometimes these things can mushroom unexpectedly, so I would take along all the paperwork in order and prepare too much rather than too little. For example, we have a recent case where someone went to a preliminary hearing but the judge was appalled by the parking company's case and put huge pressure on their solicitor to discontinue - which he did. I have personal experience of trotting along to a preliminary hearing, only for the judge to go ballistic at the other side's solicitor who promptly dropped the whole case against me. I suggest your Mum takes these notes along and refers to them when necessary.   1.  I sent Parking Eye a Subject Access Request on 03/07/2023.  After one calendar month they had not replied. 2.  Their failure caused me a great deal of distress.  I was desperately trying to prepare for a court case and I felt they were hiding information from me. 3.  However, I did not rush to court, I sent a Letter of Claim on 03/08/2023 giving them an extension.  Again they did not reply.  So I started this court case. 4.  Parking Eye insist I have proof of postage for everything I sent - and I do.  5.  Parking Eye eventually satisfied my Subject Access request at the end of August 2023.  I believe they put a false date on their letter to pretend to have satisfied the one-calendar month deadline.  I believe they will have no proof of postage. 6.  In April Parking Eye sent me a letter to try to settle the matter, which offered me nothing.  7.  Later I sent them a letter offering to settle and asking them to offer a serious amount, not nothing, but they did not reply. 8.  I would be willing to settle out of court, but not on the basis that they offer me nothing.  
    • That was the date the email was received from them
    • Morning guys, I would appear I have more people chasing me than first listed. Apologies for this but I had a Very account for £2292.20 that was sold onto Lowell and Overdales, who sent me a PAPLOC request earlier in the year which I replied with all the usual, sent off CCA request etc. They responded on 07/03/34 with the attached. I guess i forgot to list this here nearer the time, They have sent me another PAPLOC request.  Could you please give me your thoughts on what they replied with previously and what I should do next? img049new.pdf
    • What does the date refer to please? HB
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RSA (more th>n) Insurance claim help!

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Hi I have put a claim in for my laptop which accidently fell from my table when my son snagged his foot in the power lead. The claim was refered to a loss adjuster and the laptop went for inspection by CIIS Ltd. I have today received a letter which I would appreciate if someone could help me reply to.


I will start by typing the full letter body (names ommited obviously)




I refer to the above and confirm our experts, CIIS ltd, have now provided a report following the inspection of your damaged laptop.


In addition to two keys being removed from the keyboard, the entire lcd screen and WLAN aerial leads are separated from the lid. This damage is excessive given the claim circumstances described. The DVD cabinet fixing screw has been removed as have the manufacturers serial number identification label and Windows Vista OS License number..


External inspection of the HDD found the original Vista OS to have been replaced with Win 7. The hdd records very little use this year. The last date recorded for a very short period of time was 14th july 2010, however, prior to this there was a failed boot on 23 Feb 2010. The last time the system was fully booted and used was Feb 16th 2010.


The information obtained differs to that given at claim notification. I understand the laptop was used regularly before the claim with no previous inspections being carried out.


In view of our findings. I would appreciate your written response to this issue raised within the next fourteen days.




Ok to answer some of the questions.


1. The laptop is a sony vaio z11wn the screen is ultra thin and the casing is very shallow. The screen popped out when it hit the floor and the WLAN aerial cables where obviously attached to this and they where hanging from the laptop (they where still attached at the other end)


2. I had no record of the dvd cabinet fixing screw ever being removed.


3. The serial has worn off so was peeled off when I installed win 7 so was the vista os license number.


4. Since installing win 7 I have discovered ubuntu! obviously this quickly replaced win 7 in the form off a live USB (I was too scared to install it to hdd as I dont understand partitioning etc)


5. The two keys where occasionally came loose. One I have found under the table after the laptop was collected im sure the other is around here somewhere.


6. The contact I actually has with CIIS was very unprofessional. They said DHL would collect it Friday and I would need to supply a box. They then phoned and said DHL will collect Tuesday and they will bring the box. In the end a very casual (with stains on his t-shirt) man turned up and collected it leaving a badly filled out collection form with CIIS on the top.


I was just hoping someone could give me some advice on what to do next. Should I ask for a different inspection? Will the numbered items above be acceptable or will they continue to interrogate me?


Any Help would be greatly appreciated!



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I'm not sure where they are coming from, what are they trying to say, if they have something, just say it!


Their queries are irrelevant and in a nutshell they are trying to put you off making a claim, suggesting some wrong doing on your behalf.


Assuming cover is correct, you have a contract for your contents for replacement/cash settlement if they have been damaged as a result of an incident covered under the policy, it doesn't matter when you last used it, what operating system you have used.It's your property which you insure if they have evidence to suggest a breakdown prior to the incident, they need to prove that.


As for the damage not holding upto the circustances, well, lets face it you can break your leg tripping over a daisy, you can drop a plate on the floor, it can break into peices or land the right way and be fine. Nothing is constant, no table to floor ratio is the same in any house, there are too many parameters to consider.

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Hi, Thanks for your reply. My policy covers new for old on accidental damage. This includes laptops (I checked before taking the policy out).


I am going to write with the details I used in my first post and add the part from your post about damage and what OS I use is my own choice.


This is my first ever insurance claim so didnt think I would get this much hassle. Will post my reply when I have finished it.



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They're trying to check the validity of your claim to make sure you are not defrauding them. A little bit of an inconvenience for genuine claimers, but a big problem for fraudsters that cannot back up their claim.


Just answer the questions honestly and you'll be fine.

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  • 3 weeks later...

Hi, Replied explaining the above info and they have accepted the claim and are going to payout. Just waiting for the company to call back with a replacement model as they cant seem to source something of equal spec. My laptop was a z11wn/b which isnt made no more so hopefully they will offer something similar. Thanks for everyones help!

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