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    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment     Please let me know if I should procede in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
    • I updated our details as we recently moved (May this year) with a certain price comparison website that uses a small mongoose as well as his servant and family as their advertising.   I had not connected the two and have had no searches by anyone on my credit reports that I receive.   Stigman    
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What is a "Subject access request" please?

 

I am in a prolonged claim with AXA regarding a leakage of water in our kitchen that resulted in having to completely rebuild it.

 

 

AXA did no inspections of base-units yet claim they were not damaged.

We have evidence.

I would like AXA to pay for all the replacement cost but they will not.

 

Also, AXA dug up the kitchen floor to aid its drying out.

AXA claims that its contractor did not do the work despite my evidence that it was its contractor.

 

Will a "Subject access request" get the information out of the company that I need to progress the claim.

We shall end up in Court otherwise in order to complete the claim of £6608.

 

Where will I find the Form or what words shall I use to complete the "Subject access request" if it is worthwhile?

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The SAR 'should' provide everything they have regarding your account with them, you can specify exactly what information you want them to provide in order to obtain the specific information you're after.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387310-Targeted-Subject-Access-Request-**Correct-as-at-October-2013**

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:thumb: ensure you either get 'proof of posting' which is free from the PO counter, or you can send it recorded delivery if you wish, they have forty days in which to respond with your SAR (calender days).

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Please do not forget to enclose the statutory fee of £10.00 either by cheque or postal order :)

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Axa will send personal information they hold relating to you, but only if they hold it.

 

If a loss adjuster has been used, they may own the info and just be dealing with Axa on a reporting basis, or even on a claims handling basis, you may have to go to them.

 

Try to pin point someone (complaints department) who can guide you in the right direction.

 

In regard to digging up the floor, is the policy an AXA only policy, or have you bought this through a broker who may have sold the home emergency cover through a seperate underwriter?

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Thank you, but we had assumed that we would need to go to other contractors used by AXA to cover all avenues of our enquiry.

 

We know exactly to whom we should address the enquiry.

 

The policy was bought from AXA. It has completed the works but denies who dug up the floor and that the base-units were damaged despite its not having inspected.

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Have you gone down the ombudsman complaints route?

 

The financial ombudsman look at complaints on a fairness basis (generally much more consumer friendly) and are free for the consumer. If they rule against you, you can make a court claim.

If you go straight to the courts, and they find against you, you can't then go to the ombudsman, and you'll need to pay the fee (approx £410) upfront.

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Thank you!

 

We did try the Ombudsman and he supported AXA despite saying that he had not adjudicated on the base-units or floor!

 

He totally misunderstood our briefing and commented upon matters that were not relevant such as my wife's health, which we had not raised.

 

He ignored modus ponens.

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