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    • Pandemic will just accelerate the change that was already happening.   High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge.   Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.   As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers  use to work close to will lose sales.   Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus.  Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.   Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.
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    • Small attachment to an iPhone that cost £288.00.   I know anything that relates to Apple can be very expensive, but what was the attachment ?   Did you return the attachment product in its original packaging ?   How often do you buy products from Amazon ?   How often do you return products to Amazon ?   Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?
    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
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tezza1234

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Hi all, in need of some advice, I find myself in a position where I am unsure what to do, basically 6 days a go someone shunted me from behind at a roundabout, they assumed I moved when I hadn't and hit me up the rear at no more than 5mph

 

So, I get out and we exchange details, then this guy tells me his sob story, and says sorry it was totally his fault, now the thing is, I couldn't see any damage as such on my car, I think my tow bar took the brunt of it and it was a very low speed impact, his car only had surface scratches on this bumper which he said he would t-cut out.

 

Then he started saying to me look, there is no damage lets not bother going through the insurance as both our claims will go up and there is nothing to claim for anyway, I was very uneasy with this.... but, after knowing his sob story situation I fell for it and agreed. also I had another accident 6 months ago, which was not my fault, went down as a non fault claim but come renewal time my premium still went up so didn't want the same happening again, I don't get that when its not your fault your insurance still goes up the following year but hey ho.

 

Anyway, fast forward to today and I have received a letter from this other parties insurance company, its a generic we hear you were in a accident with one of our policy holders, claim number etc.... we can arrange a hire car while yours is being repaired without prejudice, at this time we are not making any judgement on liability etc....

 

So, I txt the guy asking WTF is going on and why he has put in a claim after begging me not to and he says he hasn't put in a claim, so I say so why have I got a letter from your insurance with a claim number, he says that he reported it to get his car repaired but is not claiming against me, so not to worry, thing is, I am not sure I believe him one bit now and am worried that because I didn't report it to my own insurance I will be in trouble.

 

How should I proceed, any advice gratefully received.

 

Thanks

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That letter sounds very much like he told his insurers exactly what happened.

 

They're not threatening you with anything, they're actually offering to sort you out with a hire car whilst your (potential) repairs are ongoing.

 

Your insurance policy probably specifies that you should report ANY accident - but that does not mean that everyone does when the accident is trivial or non-fault. Under the circumstances you're not likely to be in much, if any, trouble.

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agree, technically you should report to your Insurers, but if there is no claim made by you or against you, then you have another non fault accident, with another increase in premium. Your Insurers should contact you, if the other driver or their Insurers tryto claim against you.

 

Check over your car thoroughly to make sure there is no damage and it is up to you whether you report or not.


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as he has told his insurers re a claim, then maybe you shld tell yours as a non fault incident. even if he's told his insurers he was completely at fault.

you know how insurers are, requiring all the t's crossed and i's dotted, and they share data?


IMO

:-):rant:

 

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Hi all, thanks for advice so far, my worry now is,

I can't phone my insurers and say

 

 

Hi, I had a incident 7 days ago where I was hit from behind and here are the details of other party,

 

 

their first question would be why wait 7 days to report it :/

 

 

I know that technically I should have reported it within 12-24 hours,

 

 

but as no damage,

 

 

no injuries and I didn't want premium going up again for something that was not my fault I didn't.

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Dont worry about it, report the incident to your insurers and advise the other party has admitted liability.


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Dont worry about it, report the incident to your insurers and advise the other party has admitted liability.

 

 

Again though, what is my response when the question comes in, why wait 7 days to report it, i don't do telephone conversations well.

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Again though, what is my response when the question comes in, why wait 7 days to report it, i don't do telephone conversations well.

 

Because the accident was at very low speed and both parties did not think there was anything that needed to involve Insurers e.g no injuries or damage. However since then, the other driver has found damage on their car and you have been advised of this, so you then have needed to advise your Insurers.

 

Don't worry about 7 days. Insurers receive phone calls months after an accident.


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Simply say that you didn't realise you needed to report non-fault claims but have subsequently been told that you probably do. Make it clear that the other driver accepts responsibility and that you have a letter from his insurers offering their services. Your insurers will probably ask you for the claim reference from his insurers letter and give them a ring to check no claim is being made against you.

 

As Uncle Bulgaria says insurers are used to this, they will realise there was no intended malice on your part. It's not as if you ran someone over and didn't report it, that would be a very different conversation!

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and I didn't want premium going up again for something that was not my fault I didn't.

know what you mean. when it comes up for renewal and the obligatory q comes 'any acc in last x years'

you might have to say yes, but no fault, no claim on yours, no loss, etc

if you dont, then how do know what the other guys insurance have recorded. insurers share data. and if the other guy has made a claim on his, and they have contacted you, then he wld have had to have told them about you.

then, the poss issue of not disclosing may arise on future quotes/insurance.


IMO

:-):rant:

 

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[removed] they got like a £100-200 damage and they willing to go by insurance claim that they would after pay excess and then have a extra £100-500 increase on insurance and I bet the guys car wasn't even worth much to bother fixing

 

 

[removed]

Edited by dx100uk
behave - dx

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