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    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
    • I think I just have to clarify what my site team colleague said above. It's not only a question about being aware – you also must have asserted your rights within the first 30 days. Send them an email straightaway. Refer to your short-term right to reject the vehicle under the consumer rights act and that in view of the defects which have manifested themselves, and you are asserting your right to reject and you are rejecting the vehicle and that they should make arrangements to collect it or receive it from you and to refund your money. You must do this straightaway. Meaning tonight. Don't hang around Even if you feel that you might want to hang onto the car, you should assert the right to reject in order to reserve your position. Once you have done that and come back to this thread and tell us more about it. In particular, who is the dealer? Have you had on exchanges with them about this? What have they said? Where is the vehicle now and what is its condition?   In fact I see the you had the day wrong. You said it was yesterday – which was 1 December. Assert your right to reject now – by email. You don't want to get into some kind of argument about whether it was this day or that day. Put it beyond question and assert your right now. Then afterwards we can discuss your situation
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What do I need to consider on my Building/contents claim


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I am not using my own loss assessor so have muddled through this painful process for the last year.

 

Background: I have a holiday home and therefore holiday home insurance and last summer my home suffered an escape of water causing considerable amount of damage which affected most of the rooms in the house.

 

I have appointed my own surveyor who has drawn up a Schedule of Works and we have received bids and are now awaiting for commencement of works from the adjuster.

 

The house is uninhabitable and whilst it was being dried, which took 6 weeks, I stayed with a relative. When the work commences I will again need to be present on a day to day basis and will again stay with a relative. My Policy states that:

 

Temporary Accommodation or Loss of Hiring Charges

a) The cost of similar temporary accommodation in the event of the Home

being so damaged as to render it uninhabitable by any cause for which

indemnity is provided under Section 1A of this Policy, provided that Our

liability shall not exceed a sum equivalent to 20% of the Sum Insured

on the Buildings in any one Period of Insurance.

 

 

The adjuster denied my claim for reimbursement for temporary accommodation because 'I do not permanently reside at the property as the owner/occupier'.

 

When you have holiday home insurance it is implied that you 'do not reside permanently at the property'

 

What can I do?

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It is a holiday home, so the Insurance is about you actually being in residence or if you had bookings the rental that was lost.

 

They won't pay for you having to be in the area staying with a relative.

We could do with some help from you.

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Sorry I don't understand your reply, could you elaborate. Thanks

 

You can only claim for a situation, if the policy wording covers it.

 

Explain to me after reading the policy wording, why you expected to be covered for your accommodation costs because of the holiday home being flooded.

 

If you could evidence that you had booked flights etc with the intention of being permanently resident at the holiday home when the flood event occured, then you might be covered. If you had taken paid for bookings from holidaymakers for the holiday home, which you had to refund to them, you would have been covered for the loss of rent.

 

The policy wording does not provide for your expenses in staying with your relative, because you were not resident in the property and had no paid for bookings.

We could do with some help from you.

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The holiday home suffered substantial damage and requires major re-instatement work. I need to be there to allow the builders to carry out the work. Since it is uninhabitable what am I supposed to do, where am I supposed to stay?

 

I still don't fully understand your answer with regard to the temporary accommodation.

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The holiday home suffered substantial damage and requires major re-instatement work. I need to be there to allow the builders to carry out the work. Since it is uninhabitable what am I supposed to do, where am I supposed to stay?

 

I still don't fully understand your answer with regard to the temporary accommodation.

 

 

In short, you have not explained that you lost your accommodation at the time of the actual event or lost money due to cancelled booking. If you were staying in the holiday home when the flood happened or had paid for booking you should be covered.

 

You are trying to claim expenses for accommodation, after the flood has happened. The policy wording does not cover your expenses for simply wanting to be near to the house while the work is done. You don't have to be there. You could give contractors a key and they could get on with the work.

 

Also the Insurers could say that you could go home and stay in your main residence.

 

Sorry but Insurance will only cover what the policy states and not what you think they should be paying for.

We could do with some help from you.

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Yes I am trying to claim accommodation expenses after the flood has happened in order to manage the work that needs to be done. I don't understand how one interprets the exclusions you mention, just from the brief paragraph I re-printed above. This is not an accusation just trying to understand how this can be interpreted in the way you state.

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Yes I am trying to claim accommodation expenses after the flood has happened in order to manage the work that needs to be done. I don't understand how one interprets the exclusions you mention, just from the brief paragraph I re-printed above. This is not an accusation just trying to understand how this can be interpreted in the way you state.

 

I have offered my opinion and can't add anything.

 

If you are unhappy about this, you should be contacting your Insurance company asking them to pay for your accommodation expenses. There is little point having a discussion here about it, as I am not a decision maker at your Insurance company.

We could do with some help from you.

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In short, you have not explained that you lost your accommodation at the time of the actual event or lost money due to cancelled booking. If you were staying in the holiday home when the flood happened or had paid for booking you should be covered.

 

 

Hello there.

 

Uncle Bulgaria knows his stuff, but I understand that policy wordings are hard to understand for the general public.

 

Other forum members may comment later, but I'm not sure if you answered the question above?

 

HB

Illegitimi non carborundum

 

 

 

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I had a booking at the time of the event and this was refunded.

 

Yes they will pay anything that is directly related to the actual loss event, but what you are trying to claim for now is accommodation costs related to the actual repair works. You want to be near to the holiday home while the works are being done and your policy does not cover that.

 

As I said before, it is your choice to want to be near to the holiday home while the works are being completed. Some people would just remove items they wanted to secure, hand over the keys to someone who was going to supervise the contract works ( surveyor or contractors supervisor) and let them get on with it. They might visit towards the end of completion of the works, to make sure it was up to standard.

 

I think you just misunderstand what Insurers will pay for which is arrangements in place before the loss event happened. If you were there at the time of loss or had arrangements to be there before the loss or had bookings they would have paid for temporary accommodation or covered the rent lost. But they certainly won't pay your accommodation months afterwards, because you have chosen to be present when the works take place.

 

As I have said, if you are not happy with the Insurers not paying for the alternative accommodation while you are out there overseeing the works, you should be raising this with your Insurance company.

We could do with some help from you.

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

 

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