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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
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Contents insurance claim advice please - stolen bicycle


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Hi everyone,This is my first post so please be gentle! I have tried to search the forums but couldn't find a similar query so here goes...My bf had his beloved bike stolen recently, it's the (equal??) biggest love of his life, both the cycling and building it up from scratch to his specification so it was totally unique and the culmination of a few years' work... however...He had the bike propped up in a shop doorway, fully inside but unlocked, and it was taken from behind him. He gave chase with some help from good samaritans but couldn't get it back and no sign since. We haven't yet started our claim but he has a crime number and has been assembling receipts etc. My question is - Do any of you have experience of claiming for an unlocked bicycle and do you think we stand a chance? We've never done it before, contents insurance is with Morethan and I was sure to include the extra payment to cover pushbikes off the property.Any thoughts would be greatly appreciated! Thank you in advance.Moo

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The Morethan policy requires cycles to be locked to fixed object when left unattended.

 

So for a successful claim you need to show that the cycle was not unattended. The Insurers will ask him how far he was away from the cycle and what he was doing.

 

It is possible that the Insurers could set up a cognitive interview to assess the claim. This is just to make sure the story about how the cycle was stolen holds together i.e. that the story makes sense. If he has any witnesses to what happened and this is helpful, this might also assist the Insurers.

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Hi Both,Many thanks for the welcome and your advice. I think you've cracked it - the point to argue is the "unattended" aspect, and an angle that we hadn't thought of before, in our distress! The interview is also something I hadn't heard of so I'll prime him, also there had been a possibility of getting hold of CCTV from the shop but if not then the manager will help I'm sure.We also have plenty of receipts, order confirmations etc regarding the type and value of her assembly at the time, along with photographs. Is there anything else I should think of before we go into battle (it shouldn't feel like that but I've heard too many horror stories lol!) ?Have a good evening all, I'm off to watch some Chilean miners and feel all warm and fuzzy inside xM

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Just play it straight. Don't be tempted to make the story fit the terms of the policy. With cognitive interviews you are asked many questions and you have to answer them in a genuine way.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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I completely agree. Remember that they have to prove it was genuinely unattended to risk not wanting to make the payment, as any legal costs from defending you pushing it would probably outweight the cost of paying the claim. If you tell even small lies they will use this to discredit the entire thing.

 

As unclebulgaria said - just play it straight and get as many witnesses as possible and from the sounds of it you should be fine.

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Hi everyone,Thanks again for your thoughts - my plan for the weekend just gone was to assemble all our evidence and make a start on the claim - playing it straight of course, I'm not one for trying to test the boundaries with these types of things, plus I wouldn't want to wreck my credibility for the future.However - in an astonishing turn of events, his (very distinctive) baby was "handed in anonymously" not far from where it happened! Possibly someone tried to sell it on to someone who recognised it, so we have one very happy boy again.I was heartened to receive such good advice so quickly as there are plenty of people far worse off on here, on so thanks again for your advice, and don't take this the wrong way but we've thanked God / our lucky stars we didn't have to use it!All the best,Moo

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