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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
    • It follows a public backlash after stores were told they could not sell items such as clothes. View the full article
    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • 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.
       
      • 3 replies
    • 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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I am a foster carer and when I began fostering over 3 years ago I took out a new home buildings and contents insurance policy with Nationwide. I specifically told the guy who sold it to me over the phone that I was a foster carer and needed suitable insurance to cover me for potential damage by foster children. He said this policy would be fine. I have been paying it for nearly 4 years and not made any claims but yesterday one of the young people that I foster caused considerable damage to my house during an outburst of temper, including a broken window and internal doors. I called the insurance company today and was told I was not covered because there is an general exclusion concerning damage caused by anyone living in the house. This means that I have been paying for nearly 4 years for a policy which was not what I asked for. Do I have any claim against the Nationwide for selling me a policy which did not meet my clearly stated needs?

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It is an extremely dangerous idea to discuss anything with any insurance salesperson on the phone without recording the conversation. These people will say anything in order to get the sale. Is not an insurance companies, it's also mobile phone companies banks – anyone.

 

Please read our customer services guide to see exactly how you should handle any customer service issue on the phone – whether it is that you are being sold something or you're trying to complain – or anything else.

 

 

I'm afraid in this case, it is likely to be your word against theirs. You could send them an SAR and try to get the screen notes relating to the conversation you had – but I'm afraid that customer service reps tend to keep very sloppy screen notes. You would have to be very lucky to find that they had made a note that you had foster children.

 

Read our customer services guide and you will see that the next time you have any dealings, make sure that they have noted down on the screen notes that there are foster children and make sure that you get them to read the note back to you.

 

I think that the only thing I can suggest in this case is that you phone up nationwide again, pretending to be a new customer with a different name, and explain your needs and that you are foster carer once again. See if they are prepared to commit themselves in the same way to saying that is an appropriate product. This time of course you will be recording the call won't you?

 

If you're fortunate enough to get a recording of them telling you that it is appropriate product then you've got an excellent case to force them to pay for the damage and to keep ensuring you the damage caused by the foster children.

 

Finally, as a precaution I think you ought to find this general exclusion and reproduce it here so we can doublecheck. That's the other thing you need to be careful about when dealing with insurance companies, they sometimes rely on all sorts of vague terms and conditions to try and escape liability.

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I am a foster carer and when I began fostering over 3 years ago I took out a new home buildings and contents insurance policy with Nationwide. I specifically told the guy who sold it to me over the phone that I was a foster carer and needed suitable insurance to cover me for potential damage by foster children. He said this policy would be fine. I have been paying it for nearly 4 years and not made any claims but yesterday one of the young people that I foster caused considerable damage to my house during an outburst of temper, including a broken window and internal doors. I called the insurance company today and was told I was not covered because there is an general exclusion concerning damage caused by anyone living in the house. This means that I have been paying for nearly 4 years for a policy which was not what I asked for. Do I have any claim against the Nationwide for selling me a policy which did not meet my clearly stated needs?

 

Did you specifically ask for cover for damage caused intentionally by the foster children?

 

The answer to the above question is important as if you just said something along the lines of "I have foster children, does the policy cover this" then the question may not have been specific enough and would result in most Insurers answering it does.

 

The policy has a general exclusion for Malicious Damage / Vandalism caused by tenants or paying guests, I'm not fully aware of exactly how foster caring works but could the foster children be classed as tenants or paying guests?

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Thank you for your advice. From what I can recall I told the guy on the phone I was a foster carer and I needed a policy to cover potential damage by fostered children. Foster children are not tenants or paying guests, they are supposed to be considered family members and in this case the boy is permanently placed with me. In each section of the policy - in this case it would be 'Vandalism or malicious acts' - it states as not covered 'loss or damage caused by you or any paying guest or tenant'. Which is why I thought I would be covered. I missed the bit at the back of the booklet titled 'General exclusions' where is states under subheading 'Deliberate loss or damage' ' Any loss or damage caused, or allowed to be caused deliberately, wilfully, maliciously, illegally or unlawfully by you or any guest or tenant, or anyone lawfully in your home'.

 

However on a potentially more positive note I did have a call back from the insurers later today, the lady said she had discussed it with her supervisor and she wanted some more information about the boy who caused the damage, she asked me lots of questions such as what caused him to do it, and whether he knew it was wrong, I told her he was autistic and has social emotional and behavioural difficulties and would not have known at the time he was doing something wrong and she said she was going to discuss it again with her supervisor and get back to me on Friday to let me know whether they will accept my claim. Fingers crossed!

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It may be that they interpreted it to mean accidental damage - rather than intentional damage.

 

Have you asked if they have the sales call recordings? (most won't! we have call recordings dating back to 2004 where I work, so some do keep them for a long time!)

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