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    • https://www.theguardian.com/education/2021/jan/19/ministers-set-to-halt-plans-for-daily-covid-tests-in-english-schools   Seems to indicate the the lateral flow tests for schools was intended to be used as an all clear, rather than as an extra trap. Recipe for disaster that approach.   A further nail in the deputy chief lie mongers' flagrant mis-assertions of suitability.
    • There must be, but what I've seen is patchwork/filtered/munged data   It also seems that a high % of the Israeli infections are apparently reported as the Johnson/Handcock/Kent variant  
    • I have previously posted about a dispute my parents have had with LL who has had little to do with the property they have rented for the last 35 years.   Fast forward to today, LL has applied for fair rent which was registered and the LL has finally brought the property to a safe standard following involvement from the local council.   We have received a new bombshell.. that the LL has applied for a possesion order under a notice of seeking possesion of a secure tenancy (NOSP).   Under grounds 3, 4 and 10.   I googled and found below:   Ground 3 –  Deterioration in the condition of the property The tenant, or anyone else living in the property, must have caused deterioration in the condition of the property or common parts. If damage is caused by a lodger or subtenant of the tenant (without the tenant's consent), possession will not be granted if the tenant has taken reasonable steps to evict that person. Ground 4 –  Deterioration in furniture provided The tenant, or anyone else living in the property, must have caused deterioration in the condition of furniture provided by the landlord in the property or common parts. Where damage is caused by a lodger or subtenant of the tenant (without the tenant's consent), possession will not be granted if the tenant has taken reasonable steps to evict that person. Ground 10 – Demolition or major works Where the landlord intends either to demolish or reconstruct or do works to the property and needs possession in order to do so. The landlord must prove that it intends carrying out works and such work cannot reasonably be carried out without obtaining possession.[2] If the tenant agrees to vacate the premises temporarily while the works are carried out then there may be no need for possession. The displaced tenant will normally be entitled to compensation.[3] See Problems during repairs for information on compensation for loss of home.   My question is, following the fair rent register and an agreement that parents were covered under the 1977 rent act we were under the impression this is a regulated tenancy, not a secure tenancy?? or is there no difference?   Its a private rent, not through housing association and the property has just been deemed as safe under by the council.   We have also never been approached by the LL to say they felt that my parents have caused any damage or deterioration in the condition of the property. If anything, over the years it has vastly been improved by my parents. We raised safety issue to the council following repeated attempts for LL to repair the dangerous electrics and blocked drains.   If there is no difference in the tenancy types, what should our next step be? any thoughts?   More info if needed in my original thread https://www.consumeractiongroup.co.uk/topic/421879-major-repairs-to-letting-of-a-sitting-tenant/?tab=comments#comment-5064284          
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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

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Hi ALL

 

My bag containing my laptop and phone (and some other stuff) has just been knocked off the table

 

the screen on my phone has broken and also my laptop now doesn't work-

 

I do have home insurance

 

the problem is i changed to that provider literally 3 days ago haven't even made my first payment yet..

 

.. I have never made a claim for anything before and had a provider previously only changed for a better deal.

 

I cant afford to replace them myself and

 

i have checked and should be covered cant see where it wouldnt be.

 

Do i phone them anyway or do you think its pointless calling now as only been their customer 3 days

and if i was in their shoes would think it was extremely "fishy"

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No problem claiming if you have accidental damage cover within the home for these items.

 

If you want to claim, I would suggest that you contact them ASAP and advise them that you will be having them checked locally to see if you can get them repaired cheaply, as with the policy excess it may not be worth claiming. Most Home Insurances have atleast a £100 excess and if you factor in future renewal premium increases of say 30% (guestimate) extra on what you paid for a couple of years, you will get an idea. Check on a repair first, as even if the repair is more than the excess, it may not be worth claiming.

 

You can probably get the phone screen replaced cheaply and as for the laptop, I doubt any serious damage has been caused. It may just be that a part has become loose and just needs to be put back.

 

Don't worry about the policy only being arranged recently and the first premium not being collected yet. If you were doing anything dodgy you might leave it for a few weeks before reporting a possible claim. For any claim event it is a good idea to report as soon as any damage has occured.

We could do with some help from you.

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You don't say where the table was where the bag was dropped. If this was not in your home, you would need personal effects cover away from home.

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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You don't say where the table was where the bag was dropped. If this was not in your home, you would need personal effects cover away from home.

 

There are some Insurers who will require personal possessions cover for this to be covered in the home

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There are some Insurers who will require personal possessions cover for this to be covered in the home

 

Yes, that is a good point for the OP to note.

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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Yes, that is a good point for the OP to note.

 

The table was my dining room table I do have personal coverage also. My excess is £50 and costs £75 ish to replace my phone screen (damn apple) also my laptop as it was dropped on the charger port and pushed in its soldered to my motherboard or was so not sure how good a repair will be.

 

 

Literally never claimed before can't believe I've had the policy a week and may have too!!

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Don't worry, but on the flip side expect them to query the claim much more - it may be a good idea to have your previous policy details handy when you ring them, and acknowledge that you've just changed insurer, but you have had continuous insurance...

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The table was my dining room table I do have personal coverage also. My excess is £50 and costs £75 ish to replace my phone screen (damn apple) also my laptop as it was dropped on the charger port and pushed in its soldered to my motherboard or was so not sure how good a repair will be.

 

 

Literally never claimed before can't believe I've had the policy a week and may have too!!

 

Insurers will always go with the cheapest option, which will probably be a repair. If you have to use the Insurers repair service, the damaged items will have to go to a company who do this, so you could be without them for a period.

 

Have you checked as to whether you have any other form of insurance for phone and laptop ?

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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