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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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.
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    • 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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My father was in the toilet of a gym the other day. He's a taxi driver and popped in for a workout after his week of work before travelling home (he commutes into London and works 5 nights, then goes home).


Whilst at the urinal, his bag was opened and his watch, wallet, cab badge and earnings for the week were stolen. He was using a urinal with his back to the bag at the time.


CCTV at the gym showed the guy making off but there was no clear facial.


He had "Personal belongings cover" from Halifax, as a part of his home and contents insurance. However, they refused his claim on the phone today because he'd left the bag unattended. He explained that if he'd turned around, he had line of sight to the bag but they just said it should have been in a locker before his used the urinal.


I can't see anything in the policy terms about this. The only sentence I could see related to not leaving things unattended whilst abroad (though I can understand that if you just went a placed a load of money in the street and walked off you wouldn't expect to be able to claim for it!).


All in all it seems a little harsh. Anyone have the full T's and C's for Halifax personal belongings insurance? All I've been able to find is a 40 page policy booklet, of which the personal belongings section is tiny and wooly. I'm not sure what he earns, they only cover up to £500 cash anyway, but he's very upset about it.



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You can always ask them - but they are probably relying on this condition of the policy (page 33 in the online booklet)


Precautions – You and your family must take every reasonable precaution to prevent any loss, damage, accident or injury. You must keep the property insured by this policy in a good condition. Failure to meet this condition may invalidate your policy and/or any claim


These conditions are notoriously difficult to rely upon, as one persons definition of reasonableness is different to another's. Certainly worth putting in an official complaint.


I would point out though that there is a good chance they would consider the money "held for professional purposes" and hence decline to cover this even if they agree to cover the theft in general.

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Insurance policies will not cover personal belongings if negligence is a part of their being lost. The catch 22 being what to some may not seem negligent beforehand, suddenly looks very negligent once a crook makes good from it.


I think most people in a gym with so many things to lose would keep them locked in the locker if not directly infront of the open locker. Additionally, you did not say the bag was stolen, you mentioned a list of items were removed from the bag, which would take a considerably longer time than just picking up the bag. This again points to there being a far longer time the bag was out of sight.


Even without seeing the terms of the policy - I doubt there are any policies I have read that would pay out.


I once heard a good expression regarding negligence in that sense. It was "If you feel stupid after a theft, or wonder why you never saw the risk, then the chances are you were negligent".

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He should make a complaint per the procedure shown in the policy document. I would suggest writing to the claims manager at the office he dealt with. In the letter, he should make it clear, that he is intending to involve the FOS, as he believes the claim has been unfairly declined.


Without knowing the exact circumstances of the loss, it would be difficult to comment. Seems a bit harsh.

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As per the good advice above, without knowing the circumstances, however........Is it reckless to get caught short, rush to the toilet in the knowledge the bag was within your line of sight? presumably he had good reason to trust where he was, unless the gym was well known for this happening? What are you supposed to do when towel drying your hair, put yourbag in the locker? - what if you have chat with your mate across the other side? I'm presuming the toilet was within the same "area", rather than down the corridor. Being reckless requires an understanding of the consiquence if you do or don't carry out a certain action.

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First bit of advice. Do everything in writing so that there is written evidence of what is stated on both sides.

Your father should write and ask them to specifically state exactly why they do not wish to pay the claim

If as seems to be the case there is no specific exclusion relating to unattended property they can't use the wording you used in your post to refuse the claim

They are probably as another contributor suggested referring to the clause concerning lack of reasonable care and as also mentioned that is a matter of opinion.

Incidentally the Ombudsman has previously commented that if a policyholder can see something it's probably not fair for an insurer to say it's unattended.

I agree with others. The precise circumstances and how long the bag was left are relevant and business takings and other work related items such as the badge will not be covered

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Insurers use of the "Reasonable Care" exclusion is on the decline as the FOS and courts now often take a view that someone has to have been "reckless"; [adj. 1. a. Heedless or careless. b. Headstrong; rash. 2. Indifferent to or disregardful of consequences] with their property before they will uphold decisions to refuse cover. A momentary lapse is often insufficient grounds to decline a claim using this exclusion. Re: business use. There may be a valid claim for the money on a personal policy but it will depend on the nature of your father's employment. If, for example, he is a sole trader of self employed, he could argue that his takings are his salary and are therefore for his own personal use. He would be using them to buy his groceries, pay his mortgage/rent etc.

Edited by Data Mashups
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