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    • Claimants do not use witnesses to present the case.....counsel are not witnesses to the claim.    The receipt of Lowells DQ is not confirmed precedence of the claim.....check the status of the claim on MCOL and see if it states DQs sent out.
    • It also says that claimant has 28 days after receiving a copy of defence to inform court if they wish to proceed. I dont have a date but would assume that they received their DQ after I filled my defence and that they issued me a copy dated 6th Jan, so roughly speaking they have 28 days from 6th Jan to inform court.
    • Husband and I have finally saved deposit to buy our house and seen a house we like so I checked my credit reports before we give the mortgage broker the thumbs up!    I knew something would come and bite me on the bum!    I had an overdraft with lloyds which I have not accessed since 2013. They have sold to Arrow Global who have put a big fat default on my account. It shows on my transunion credit report as pasted below. Defaulting in April 2020.     I did not change my old address with them. I am unsure how to approach this as cannot be sure it is statute barred as it is an overdraft (even though I have not touched it, acknowledged it since 2013). The default date shown is Nov 2015 but not reflected in the way Arrow Global are sticking the defaults on. Should I send a 'statute barred' or 'prove it' letter? Should I dispute with the credit reference agency? I am unsure!    I would like the default off the account the quickest way possible to have a clean credit report!      OVERVIEW   Account type Current Account   Status Default   Account number     Last updated 2020   Start date  2008     PAYMENT INFORMATION   Opening balance £1,199   Repayment frequency Monthly   Date of default Nov 2015   Promotional rate No     PAYMENT HISTORY     J F M A M J J A S O N D 2020       D D D D D D D D D     OK   Missed payment -- No data D Defaulted     BALANCE OVER TIME   Your balance has not changed since Jan '20.   APR '20 | £1199MAY '20 | £1199JUN '20 | £1199JUL '20 | £1199AUG '20 | £1199SEP '20 | £1199OCT '20 | £1199NOV '20 | £1199DEC '20 | £1199£1299£0JAN '20JAN '21
    • Just looking at their DQ answers, why have they put down 0 for How many witnesses, including yourself, will give evidence on your behalf at the hearing?   Does that inc other lawyers? Surely that should say at least 1.
    • Thank you BazzaS, I completely agree with you!      
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Halifax home insurance, claim for damaged flooring from water leak


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Any advice here would be appreciated, I submitted a claim on my halifax home insurance as a leak under the kitchen sink had caused the kicthen cupboard to rot and the solid wood flooring. The flooring stretches through to the lounge and if you replace the kitchen flooring the whole lot has to be done. The chap came and said that the kitchen base unit needed replacing and the approx 18 sq metres of flooring needed replacing. He said either their company could do the work or they would give me £413 to do the work (thats with the £450 excess taken off) So i suppose that means without excess they are kind of saying the job totals around £900 ish.

 

I think the chap called the wood floor laminate, which it isnt, its 15mm (cant remember the name but its definately not cheap laminate), it cost me about £2000 a while ago to be fitted.

 

I would prefer to to get the work done myself (as i know tons of floor layers) and also dont like the sound of someone doing all this work for such a cheap price, they might bodge it and Id rather get someone in my home that i know and trust.

 

Im just annoyed that they have given me such a low price, I will never be able to find anyone who will be able to replace the floor like for like and replace the kicthen base unit all for £900!

 

Whats the point in having insurance like this if they dont give you a fair price for the work, thus forcing you to use their own companies for the work??

 

thanks for anyone who can help here :madgrin:

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Get two quotes from local builders, and at the same time as this, ask the insurance company for the schedule that they have prepared for the repairs.

 

You can then compare the schedule with your builders quotes - if they have not included something (which is necessary), or included an inferior quality product, then ask them to increase their offer.

 

If you're still not happy, you can make a formal complaint - however this will take a long time. If it just comes down to a case of the insurers preferred building company being cheaper, then it's unlikely to be successful, but if you can demonstrate that they have not made an offer of settlement on the basis of replacing everything like for like, then you have a good chance of the complaint being upheld.

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Yes you need a breakdown of the Insurers contractors quote, so you know what materials they are using and what work it includes. Your preferrred contractors can provide a quote for the same and then you can see how they compare. Sometimes the Insurers contractors will obtain the same materials for less than your contractors can obtain them for and are willing to charge less for labour, as they can then get a constant volume of work.

We could do with some help from you.

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  • 2 weeks later...

Heres an update on this one, did as suggested and contacted them requesting details of materials uoted for and they have uoted for laminate flooring, not 15mm engineered board, cost difference per m2, is laminate £15 - engineered board £45. Massive difference and they have now quoted me a figure of £1400 as opposed to the original £400.

I am now going to obtain quotes as suggested also.

Thanks for your help guys!!!

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Hi unclebulgaria, what if you dont want to use their preffered contractors, I did this once before and the wortk was terrible plus would rather have a company i know/trust in my house. Can I not use my own people, trouble is the price they have given me for the work is so cheap i would have to pay on top of this to get them to do it!

Yes you need a breakdown of the Insurers contractors quote, so you know what materials they are using and what work it includes. Your preferrred contractors can provide a quote for the same and then you can see how they compare. Sometimes the Insurers contractors will obtain the same materials for less than your contractors can obtain them for and are willing to charge less for labour, as they can then get a constant volume of work.
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You can use your own contractors, but the Insurers will only fund you the amount of their contractors quote, so you would have to find the difference.

 

I believe what happens with Insurers contractors is that they sometimes supply say 2000 hours of work under a contract. So because they are getting 2000 guaranteed hours of paid work, the rate would be lower that if it were on an individual quote basis. It is good for the contractor as they have guaranteed income coming in.

 

The downside of using your own contractor is that if the work is not done properly, it is your problem to resolve.

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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  • 2 weeks later...

Just a fianl thank you for your help, settlement of £1340 received today, they made a mistake on the products that they had included in the quote. Thanks to CAG Consumer action group I managed to identify the wrong products included and got their offer increased from £400 to £1340. thank you so much :whoo:

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