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    • The economic research group as the main parties have “ducked” addressing public finance challenges.View the full article
    • Thanks. In that case when it comes to preparing my court bundle I will remover the Bradbury v UPS case. And I agree, @occysrazor 's case is the strongest asset I have in defence. Hopefully the necessary literature will be available by the time of my court date.  
    • Some of this seems to hinge on him not being properly instructed by POL or their legal reps. He was said to be an independent expert but doesn't seem to have known that he should reveal all evidence he was aware of and not just the bits that suited Fujitsu/him. I know he asked for immunity from prosecution, is it still the case that Wyn Williams doesn't want to do this? The last I saw there was still a perjury ivestigation.
    • So I like a bit of fun with the horses and have a few profitable tipsters, when i make a profit i re-invest and try more, nice little way to work on the side. This site looked promising however after joining a Telegram group I was not at all happy with the service as it was completely dead.. a week went past... I thought it was brokedn (expecting 14 tips by now)... 2 weeks went passed.. a tip came in about something happening in a few weeks... the month was nearly up (£49 couldnt be recouped by these bets) I complained via email asking for a refund as it was not as advertised, website says 1-2 tips a day, i expected that.  There's no way i could recoup £49 a month on 1 or two tips.  I didnt get a reply. I tried again,  no reply. Ive then had to up the email wording to request Im now really not happy. I get a reply and it appears they agree a refund (this doesn't get processed) Fed up i send a notice before action letter. I then get various emails of a very unprofessional manner and one towards the end that sounds a bit like a threat. I would encourage others to be very cautious about this website and if that was a threat (I know where you live, i have your postcode)  It becomes a police matter.  Im sure, it is just a recording of my personal data so I cannot be allowed in the telegram group again. Either way, is there anything ive missed? Emails below in order.   On 22/05/2024 11:31,  wrote: Hi I havent had a response to my last two emails, and Im not getting what's displayed on the site (1-2 bets a day) Please can you process a refund as its not what I was expecting   Thanks   --------- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:17 To:  Subject: Re: REFUND   Hi X, Are you still in the private telegram group? Regards, Ash -- On 22/05/2024 12:21, I wrote: Hi Its all still logged in yes as per the day it was set up   thanks ---- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:25 To:  Subject: Re: REFUND   Hi X That is fine. When did you send the previous emails? This is Marc speaking here I run the service. So on the 1-2 bets per day, some days there are no selections because there is no value or information. It is impossible to make profit long term betting every single day. Did you get on Macduff 33/1 for the Derby? Regards, Marc ----- From: X Sent: 22 May 2024 12:41 To: info@premiumracingtips.com <info@premiumracingtips.com> Subject: Re: REFUND   Hi Marc, I sent a mail on the 16th initially then Monday this week to follow up.   Yes, Got a Derby tip through but nothing else in a week   Ive based this on needing £50 profit required to break even, so expecting 1-2 bets a day (sorry) , £2 average bet profit needed to make a small profit after the subscription fee, as a test then move up as confidence grows   I probably need a larger starting bank to benefit from this properly.   Thanks X ======================================== Then, no further correspondence received until almost a month later: ====================================== 17/06/2024 Good afternoon,   Further to my correspondence below I am notifying you of court proceedings.   If I do not receive a satisfactory response from you within 14 days of the date of this letter, I intend to issue proceedings against you in the county court without further notice. Court fees will be added to the final invoice adding £215 minimum to the refunded amount and this will affect your ability to get credit.   I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraph 13-16 which sets out the sanctions the court may impose if you fail to comply with the Practice Direction. I look forward to your acknowledgement. Yours faithfully, X   ============== NOW i get a response! =============   Tuesday 18th/06 Evening X Firstly, I know the law (family member is a QC) so this legal jargon does not work with me. Secondly, you were already processed a pro rata refund on the 5th of June 2024. Sometimes this does not appear on the bank statement. The bank can find this with the Acquirer Reference Numbers (ARN) - 88888888888888888 Once the bank have confirmed this I would personally like an apology for the time you have wasted and the serious accusation. Regards, Marc =================================================== I was going to drop it at this point, throw it in my spam folder as a mistake in my judgement, lessons learned to do due diligence on such a company next time, however this then got my back up when a pestering follow up arrived: ==================================================   From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 20 June 2024 18:35 To:X Subject: Re: Notice Before action - Court proceedings   Hi X Still waiting on a response and an apology? Regards, Marc --------------------------- On 21/06/2024 09:11, X wrote:  I dont think you read the email correctly, so I will presume you misunderstood.   The only thing Im sorry about is using your service.    To recap:   You didn't respond to emails, of which I had to send multiple to get an ounce of attention You did not confirm any refund or ask to agree on pro-rata reduced refund You do not send out 1-2 tips a day as per your website (trade description act breach) And you seem to forget who is the customer here, you have been dismissive and non responsive and now asking for an apology??   My 14 day notice still stands, I am currently not satisfied with the response and a full refund is still outstanding.   This can be processed easily and without further waste of time. Please process this or send on your final response on this matter (letter of deadlock) so next steps can be taken.     ------------------------------------------------- Sun 23/06/2024 21:18 High importance You replied on Mon 24/06/2024 09:06 Evening X Thanks for another email. Payment has been refunded Acquirer Reference Number (ARN) 8888888888888888888 (altered for security) I am sending this again as you did not acknowledge you have received the refund. This was processed on the 5th of June 2024. Sometimes I have bad actors that join my service and try and defraud my business with similar tactics to what you are attempting. It's pretty embarrassing that you are attempting to defraud a business after you have already been refunded. Tells me a lot about your character. I advise you use this link - https://www.gamstop.co.uk/ Also, for future reference this is your postcode - xxx xxY ???  (altered for security) Regards, Ash -------------------------------------------- My final mail: --------------------------------   I do not agree with any of your statements, in order for fraud to occur something must be untrue. You have other unhappy customers, that's interesting to know.   I acknowledge a partial refund has been received for  £24.99  - so  £25 is still outstanding.  I do not agree to a pro rata refund for something I haven't received.   Thanks for the link, but it doesn't apply to me (unless that was an insult, if so, you're 'business' condones insults to customers?)     Thank you for acknowledging you also have my personal data on file. Under GDPR, I do not consent to you storing any of my personal data and this now must be deleted as well as anywhere it may have been shared.   Thank you  
    • He will be grilled thoroughly, however those above him as culpable.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Home insurance claim they dont want to pay for kitchen floor


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My house was flooded last week as the ball cock broke off in the tank in the loft.

Loss adjustors have been appointed and drying company and electricians have been out and set up a separate power supply to start the drying process.

I am in a hotel staying that the insurers have arranged.

 

 

Loss adjustor came on friday and had a good look around took photos and asked me some questions. One of the questions was did I have any criminal convictions or CCJ'S.

 

I said not to convictions and that I had a CCJ about 9 years.

I think it was paid but really cant remember as I was in a very bad period in my life at that point. A lot of my paperwork from then has been thrown away ( in error ).

 

I believe that CCJ information disappears after 6 years so I dont think I can check.

 

I have looked through my paperwork for the insurance policy that covers the damage and the question about CCJ'S does not appear only questions about convictions and being bankrupt. Both of these I answered no to as that was the case.

 

I just wondered why the loss adjustor asked and would he be referring to CCJ's from the last 6 years ( of which I have none ).

 

 

I looked at my sisters insurance papers at hers today and her insurers NFU ask about CCJ'S aswell as IVA's and Bankruptcy. But they then say they are only interested in CCJ' whether unsatisfied or satisfied from the last 5 years.

 

I dont want this to be a reason why they dont pay out and I did correctly answer the questions when I took out the insurance.

 

Am I worrying for nothing?

Edited by dx100uk
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I wouldn't worry about it. I suppose it's all about checking that nobody is trying to pull a fast one on them make a fraudulent application.

 

The best thing to do is not worry and just to be completely straight with them. Whether or not you got cc: Joe's doesn't affect their risk

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  • 5 weeks later...

4 weeks ago I had a escape of water from a tank in my loft. I have water damage to every room which will entail complete redecoration, new carpets, new electrics and a new kitchen.

I live in an old council house and they tested the lounge and hall floors for asbestos in the bitumen that covers those floors ( under the carpets) but up to the edge of the kitchen units there was a tiled floor ( that we installed some years ago ). They did not test this but once the kitchen units were removed it exposed more of the bare bitumen floor. I asked for it to be tested but it was not deemed necessary.

Now they intend to seal the lounge and hall floors and seal the exposed parts of the kitchen floor. Do you think it is unreasonable of me to expect the whole kitchen floor to be replaced? Bearing in mind they are taking up the old marley tiles from under the carpets in the lounge.

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It's not so much a question of what is reasonable. You are entitled to have the damage made good and the area returned to the state it was in before the incident occurred.

 

I don't really understand the situation as you have posted so that is the best I can say so far.

 

Also, it will be helpful if you would space out your clothes fit better in some paragraph returns as well. Would make it much easier to understand.

 

Thank you

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The situation I believe although they are going to seal the exposed parts of the kitchen they seem to not want to test it even though it looks exactly the same as the other 2 floors.

 

As I recall all the floors downstairs in our house had the marley tiles on the floor when we moved in 35 years ago and it therefore seems likely all the floors have an asbestos content and as we are having a new kitchen it may not cover the floor exactly the same as the existing kitchen did.

 

They are replacing the carpets in all the upstairs bedrooms even though only edges of some carpets were damaged.

 

So my point is they will replace the whole of the kitchen and all the other floors the kitchen is not being regarded in the same way.

 

The kitchen was removed in order to dry the wall behind it.

 

Is that spacing better

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The contractors doing the work might find it easier to just rip out the whole kitchen floor area anyway. But from a cost point of view, Insurance normally only covers the damaged area, if the flooring is made of one continuous piece of material. For example, they would not just replace half a carpet. But in a tiled room, they would only replace the tiles damaged. The tiles which will be under the kitchen units would be sealed.

 

With asbestos material it might be that they get charged to clear up based on square footage, so any area they can avoid not touching would save money.

 

In this situation, if you have a contact number for the contractors doing the work, ask them whether it is practical for them, sealing some tiles and replacing others. It seems to make more work for them messing around. Perhaps if this messing around does not save money, then the Insurers will just replace the whole floor.

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The contractors doing the work might find it easier to just rip out the whole kitchen floor area anyway. But from a cost point of view, Insurance normally only covers the damaged area, if the flooring is made of one continuous piece of material. For example, they would not just replace half a carpet. But in a tiled room, they would only replace the tiles damaged. The tiles which will be under the kitchen units would be sealed.

 

With asbestos material it might be that they get charged to clear up based on square footage, so any area they can avoid not touching would save money.

 

In this situation, if you have a contact number for the contractors doing the work, ask them whether it is practical for them, sealing some tiles and replacing others. It seems to make more work for them messing around. Perhaps if this messing around does not save money, then the Insurers will just replace the whole floor.

 

Yes good idea ill contact the contractors when I know who they are. Will call the drying company who are arranging it tommorow. If they are not going to replace the floor in the kitchen I might ask how much they will charge to take it up and seal the whole floor.

 

Then I can have a whole new floor whoever pays.

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as happened to me decades ago , I ended up paying for an area which included damaged part as no part floor would actually match original and cleared the whole lot and started afresh and glad I did as easier to maintain and looks better anyway, Insurance as stated covers damaged area only!

 

No matter what the Insurance claim is you always end up out of pocket be it car insurance or any other, the cover is just refined to certain areas, and inconvenience (out of pocket) does not come into it! pity

:mad2::-x:jaw::sad:
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