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    • The plot thickens ... China may be producing the counterfeit stamps. Seems there's a lot of them about Royal Mail urged to investigate claims of Chinese-made fake stamps | Postal service | The Guardian WWW.THEGUARDIAN.COM Minister says he will work with business to investigate, while China dismisses suggestion of state role as ‘absurd’   Although that wouldn't have explained what happened to citizenB's friend who apparently received the stamp from the Royal Mail.  The fake stamps are (allegedly) only distributed through non-Post Office shops and the ones from the Post Office are legit and made under strict controls in the UK. Post Offices aren't permitted to go out and buy their stamps from other sources. (For clarity it was Royal Mail who provided the stamps to citizenB's friend, not the Post Office, which is a separate company. But I assume Royal Mail got its stamps for the 'swaps' from the legit UK manufacturer and didn't buy them on Amazon!). Still, I will make sure I buy stamps from a Post Office in future, not from my corner shop. Did you friend ever get anywhere with his complaints @citizenB ?  
    • Just the phone call and fear of the kids being involved and it upsetting them.  Sadly I have remembered I went over my miles as this latest car took ages to get here (we get them brand new) so I kept my pld one a yr longer so it was mileage over my what I had been allocated that they were deducting. I need to Get exactly what the payments were for I haven't answered the bailiffs through paper means it was purely done through returning a phone call and a quick google.  I have no recollection of a pcn on the car, if there had of been It would of been a reminder to pay it but this was the last week of my mums life. Things were stressful so as iv said, I don't remember getting one. I appreciate everything you lot do and have a fantastic union guy so will get him on board 🏴‍☠️
    • Can I ask why is it when I go to set up payment that the bank refuses to credit that person unless the name matches the account but in this case they didn’t take that into account? How is it that the traders bank will not disclose the name even to my bank when there is a court order against him? And finally, I can’t locate a form that is for requesting a variation. Besides I thought the name change would mean it couldn’t be served? In company’s house there’s never been one where the car dealership name matched the address.
    • Thanks for the link. Unfortunately I bought crossed PO's. The last time I bought a PO you had to draw two lines and write & co. Also I signed the letters, a throwback to years in an office many years ago.
    • which is why our CCA request link says so. read all the posts! csl credit security limited are part of the arrows group as are  Ar**ho** Kleaners all the same blokes... just different skirts on  if you'd been reading up you'd already know arrows always return the £1 po. dx    
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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insurance carpet settlement


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Hi All

 

I had a leak in my flat which damaged the floor and carpet, so I had to move out for 2 months whilst they took the floor and plaster out. I got a call from the Housing Association giving me a moving in date I contacted my insurance they passed me on to renew carpets and they could only time they could visit was 2 weeks later to give a quote, problem was I had to move back in the day after they were coming.

I called my insurance and explained I have to have it fitted before I move in the advised it was ok it will be a cash settlement, I requested an email confirming this. It cost £1850 for all the floor covering from a small local carpet shop the flooring was about £14 m2.

I recieved a call from the insurance company saying that they were going to send me a cheque for £760 as my excess was £350. I advised them to hold the cheque as I wanted a breakdown of the costs. The quote sent was for a price £7.54 m2 and at the end of the quote they have two prices retail price total £1630 and scheme discounted price £1110. The carpet was fitted me when I first moved in as a moving in gift unfortunatly that person is no longer with us and I have no way of knowing which company fitted it but it was a really nice twist patter carpet I cant find it anywhere.

The HA have agreed to pay the insurance excess but I still dont have £700.

How can the flooring quote have a retail price £1630 and a scheme discounted price £1110 which is 32% different and on the discount price it shows discount of 10%

What can I do?

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Are you sure that the Insurers have not obtained a discounted price from your local carpet shop ?

 

The Insurers would normally settle based on the cheapest estimate they were provided with. Insurers can normally negotiate discounts with most carpet outlets. The Insurers would have to settle at a value that allows for the same quality flooring to be fitted.

 

I think if you have been quoted £14 M.Sq, that is a pretty expensive carpet. That would indicate a pretty heavyweight quality carpet.

 

You need to know what carpet/flooring was down originally and see what breakdown the Insurers can provide for their settlement figure.

We could do with some help from you.

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  • 2 weeks later...

Insurance companies usually have deals with sellers as they will need large volumes of items so they negotiate a cheaper rate. If you ask for a cash settlement then they are allowed to pay you the rate they could of bought it for.

 

Source;

Chartered Insurance Institute

 

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Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here,my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability.

 

 

" No one can make you feel inferior without your consent " - Eleanor Roosevelt

Please note that this advice is given informally, without liability and without prejudiceicon. Always seek the advice of an insured qualified professional.

All my legal and nonlegal knowledge comes from either here,my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

" No one can make you feel inferior without your consent " - Eleanor Roosevelt

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