Jump to content


  • Tweets

  • Posts

    • Can I just suggest one thing   Ask them how the subframe broke and say you would like them to explain how changing a cv joint affects the sub frame   I'm not an expert but I've changed cv joints in the past and never needed to touch the subframe on a car   The axle itself might pass through the subframe but removing the cv joint usually just entails cracking the old one off with a split bar   I can't help but wonder if they've braced it against the subframe and that's why it's broken 
    • it wouldn't have gone to a (your?) local county court as you didn't reply to the claimform. northants bulk would have dealt with it as it was a default judgement.    
    • Thank you so much for the reply. I have tried to call the court (Torbay & Newton Abbot) but they are short staffed so cant answer ;-( Does the discharge mean it has been thrown out?   On the report is is just marked as the court date 10th December 2020 and under that Discharged. Thank you!
    • I need to repair the lead flashing on my side of a firewall on the roof of a Victorian terrace. It will involve hacking off the cement on my side, installing new lead and reapplying cement. Do I have to notify my neighbour under the party wall act before getting this work done? I was under the impression minor work was not notifiable. I would consider this minor work. From the party wall act:   "Some works on a party wall may be so minor that service of notice under the Act would be generally regarded as not necessary. Things like:  drilling into a party wall to fix plugs and screws for ordinary wall units or shelving  cutting into a party wall to add or replace recessed electric wiring and sockets  removing old plaster and replastering may all be too minor to require a notice under the Act."   The neighbour has got wind of what I am doing and has asked for written grantees that I will cover the cost of any impact on his side and is threatening to invoke the party wall act if I don't I don't want to write him a blank cheque as his side of the firewall is probably is as bad a condition as my side.
    • They will NOW debit   Sorry I need to relax before I type out responses. and reread them. Tried to edit the post but cannot
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
      • 33 replies

Please note that this topic has not had any new posts for the last 1445 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone,

i would like some advice please

 

I have had an insurance policy for 11 years and i am claiming under the permanently disability rule that I can no longer do my job.

 

I have now been informed by the hospital that i will have to wait 55 weeks for my operation which means that it will maybe be February 2018 before i get the operation..

 

I will then be on the sick for about 14 months with only benefits to keep me going.

 

After the operation I will have 2 months recuperating time and even then I might not be able to go back to work

 

. Is there anything that I can do to make the insurance company pay out or will I have to go to the ombudsman.

 

Thanks i appreciate any help in this.

Link to post
Share on other sites

Hi honeybee yes i have tried to claim and their reply is that they will have to wait until after the operation to see if I can do my job. My insurance company is friends life. The operation on my spine could leave me still unable to do my job. I am a taxi driver and all that we do is sit and I can't see me being able to do this even after the operation.. I may loose my house through all of this..Not a happy situation all in. I would appreciate it if you could give me some options so that I will be able to keep my house. Thanks.

Link to post
Share on other sites
Hi honeybee yes i have tried to claim and their reply is that they will have to wait until after the operation to see if I can do my job. My insurance company is friends life. The operation on my spine could leave me still unable to do my job. I am a taxi driver and all that we do is sit and I can't see me being able to do this even after the operation.. I may loose my house through all of this..Not a happy situation all in. I would appreciate it if you could give me some options so that I will be able to keep my house. Thanks.

 

In these situations, you need to ask Friends life how they can help you, if you are left with a permanent disability. Normally these type of policies are limited in how much they pay out and for how long. You will then have to find work that you can do with your disability. Even with DWP benefits, any disability is subject to assessment and you may be classed as fit for work. In regard to assistance with housing costs on benefits with savings less than the threshold (£16,000 ?), you can apply to your local council for help with mortgage interest or rent i believe.

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

Link to post
Share on other sites

My life insurance policy regards a disability any medical condition which will prevent you from working for 12 months or longer.

Check the policy t&c carefully, you might be able to use it in your favour.

Link to post
Share on other sites

I think it would help us to have the policy wording about when it would pay out for permanent disablity etc. And the name of the Friends Life policy so we can look at any Ts and Cs.

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thanks everyone sorry that I haven't replied to you all your questions but here goes, i have a problem with my spine and as so I do not think that i would be able to go back to work and sit for 12 hour shifts (this is why i have a problem with my spine the job caused this problem) I also have inflammatory arthritis, diabetes, high blood pressure, arthritis in my hands, IBS and depression. I definitely don't want someone like me driving them about. I just can't do the job any more and I definitely don't think that anyone would employ me. Also from the time of seeing my doctor it has risen from 36 weeks for my operation to 55 weeks. That means that from the first appointment to the operation and healing time we are looking at April next year. Absolutely disgusting.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...