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    • This is on behalf of my brother in law, a plumber.    He is currently taking his ex employer to tribunal (after they reduced his wages without telling him, and change of contract over hours). As such he left the company and started working privately.   His ex-employer found out that he was using the same plumbers merchants as them and somehow persuaded them to provide them with copies of his invoices (that he has made himself since leaving). We assume they were trying to find evidence that he was 'stealing customers'.  He only found this out after the ex-employees solicitors sent a photo of these invoices to him as part of the bundle! (they took a photograph of the invoices on the plumbing merchants desk (the photo itself also had the date and time on it!)   I am automatically assuming that the plumbers merchant in question is in breach of the data protection act,  I am also assuming, but would like clarity that the ex-employer is also in breach, not sure if the solicitor is also as they were not aware of how it was obtained, although it has since been pointed out to them.  I should also add that I am not 100% sure if the customers details were on the invoice ( as they would have been delivered to their location).   It should also be noted that he also requested a Subject Access Request (in order help track his time sheets for the last year (they were not given duplicates)| and to find out how/ who  authorised the change to his salary).  The Ex-employer stated he was  unable to supply this in the standard time period and also missed the extended three month period, and I believe a complaint was made under GDPR about this, don't think anything was done though).   Any thoughts on this.  
    • Ok my managers know of my asthma. Though never had an asthma attack at work like that. Asthma has got worse - probably had covid a few days before 1st lockdown. No test centres for 40 plus miles at the time.    I have messaged my union rep - also an employee at the store. She is going to put this as a incident and look at any risk assessments done. Plus asked for colleagues that witnessed/helped me during the attack to get their side of the story. As  I was in shock and not fully understanding what was going on.   The refit has been a bit of a shambles imo. No clear plans so literally some rooms needed to be emptied immediately when contractors were told they are there to do the floor, paint the walls etc.  We were told to empty lockers. Then they were taken away with no replacement. Staff not happy with leaving personal stuff in offices. 
    • The country's inability to export its grain has led to food prices rising around the world.View the full article
    • Lots of uncertainties about whether to contact Horizon for an sar or Tesco.    My suggestion to contact Tesco was after finding out if the original PCN was non compliant.  Most of the ones I have checked in the past have been for several different reasons. That means that the liability for the alleged debt cannot be transferred to the keeper.   Once it is confirmed that the PCN is non compliant the OP can write to Tesco as the keeper pointing out that as the keeper he has no responsibility for the debt and has been denied the facility of appealing to POPLA because of the NTK not being received  at all. POPLA may well have cancelled on appeal because of no keeper liability.    In addition  the stoppage in the car park was for less than the consideration period. The keeper could then add if it was true, that the driver was an infrequent patron of this particular car park and the keeper will ensure that a similar occurrence does not happen in the future.   One could point out that if the camera operator had thought that they had not observed any children in the car, from the Court's point of view they would have expected the operator to have attempted to mitigate the situation by explaining to the driver that they should either move the car to avoid a ticket or explain where the children were [ref. Jopson v Homeguard].   Then perhaps it could have  been explained that the wife and children were dropped off at the entrance or the children and their mother were already in the store and the driver was there to collect them.   [They should also have issued a windscreen ticket since they were in the vicinity but of course that would have meant that they would have had to wait several weeks longer to be paid. It is a practice frowned upon but overused by greedy  car parking companies].   The above paragraph obviates the need to  admit parking wrongly and suggesting possible  reasons for parking there without admitting that either scenario actually happened.      
    • Hey everyone I rented some rackspace from a company on a month to month contract but the customer support has been quite poor of late, my services went offline a few times and they advised my servers had gone over the allowed power limit on my account and required an upgrade which I agreed to but I had enough of the reply times taking hours, never any answer on the phones when I needed support I requested to cancel my services on the renewal date, they advise in their terms of service that if there is a open invoice this must be paid before they will allow collection of your hardware and if not paid within a set time the hardware becomes theirs and can be sold off, reused by them ect I have noticed in their terms of service that it does not state at any point the amount of time before the due date the new invoice will be created which I feel should be a important part of any contract on a monthly billing they will pre advise you of the amount of time before the payment is due when they will invoice you   I was also meant to receive IPv6 addresses as part of my package but never had these although I had requested these many times they advised they were not available but are mentioned as part of my overall package on my invoices     They are asking for nearly £700 payment before they will even discuss allowing anyone to collect my hardware (worth about £5000 in total) and if I do not pay this within a set time they will take ownership of all my servers and use or sell them   Thanks   Update I had advised them I will be hiring a man and van service to collect my hardware, they have suddenly advised that I cannot do this and must use a certain type of company who specialist in server transport. I do not feel this is fair as it is my hardware, fully owned and paid for my me but start trying to set out new rules that have never been made aware of until today after making my request to cancel.  
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Hello Friends,

 

I had bought a TV insurance from BigWarranties for protection from accidents ( cracked screen ). Unfortunately when I went to make claim, they said that their T&C excludes screen cracking from projectiles.

 

Just wanted to find out if it is common to have this kind of exclusion in TV insurance plans which cover accidents.

 

Thanks

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Thanks SgtBush, I tried looking at T&C of TV care plan of Currys, John Lewis, AO and Argos. None of them have this exclusion.

 

Can you tell me a few such TV care plans which have such exclusions. Also what is Wii

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Depending on excess on your Home Contents, see if that covers the damage.

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I had this TV insurance only, Nothing else.

 

I am trying to find if other TV care plans have such exclusions. I want to mention in my complaint that the sales agent should have mentioned this exclusion as it is so uncommon.

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I bought car insurance as a tenant.

I deliberately drove my car into a lake when I realised I was in fact a landlord.

 

My insurers are refusing to replace my 1996 banger with a brand new Aston Martin Vantage, quoting their terms & conditions.

Is it common that not reading the T’s & C’s and then being surprised when their claims are denied for a common (and reasonable!) exclusion .....

 

You will have had at least 14 days from purchase to get and read the policy documents, to ensure it was suitable for you, and to cancel penalty-free if it wasn’t.. The exclusion is reasonable (and, as another contributor has mentioned) was bought in after lots of cases of screen damage from projectiles where adequate care wasn’t being taken (in the case mentioned, the Nintendo Wii, where controllers are waved around vigorously and can end up being hurled at the screen if the advice to use the restraining straps isn’t followed).

Edited by Andyorch
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Your insurers would have had to ensure this was sufficiently brought to your attention at the point of sale, this is an uncommon exclusion. Did they ?

 

Did you throw the item, what was the item ?

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Their website has a link to their Ts & Cs, projectiles are mentioned under what isn't covered, point no 9.

 

https://bigwarranties.co.uk/product-tv

 

HB

 

Direct link to the T's and C's: https://bigwarranties.co.uk/documents/Appliance_Terms.pdf

 

The example of Wii controllers has been cited earlier in the thread. These are more explicitly covered under point 17, wheres point 9 could cover them (generically) but fits more with balls and toy gun projectiles (Nerf darts and so on)

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Direct link to the T's and C's: https://bigwarranties.co.uk/documents/Appliance_Terms.pdf

 

The example of Wii controllers has been cited earlier in the thread. These are more explicitly covered under point 17, wheres point 9 could cover them (generically) but fits more with balls and toy gun projectiles (Nerf darts and so on)

 

You're right the policy does define if it was a Wii controller or similar, what it's not strong at is stating a projectile has to be thrown, so if you kicked your shoe by mistake, that is neither a projectile nor thrown.

 

I'm assuming it wasn't a Wii by the Op's response.

 

Having the wording online isn't bringing the unusual exclusion to the policyholders attention.

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Having the wording online isn't bringing the unusual exclusion to the policyholders attention.

 

True. However, we don’t know if there was (as is common practice from the last few insurances I’ve taken out!) a comment made at point of sale along the lines of “you will get a copy of the policy documents. You need to read these carefully to ensure the cover is what you need. If not, you can cancel this policy with no charge within 14 days....” (& then a warning you can’t cancel the policy if you make a claim first, and so on).

 

If the exclusion is reasonable and the policy holder is pointed to it (and the policy documents), it can stand.

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I bought car insurance as a tenant.

 

I deliberately drove my car into a lake when I realised I was in fact a landlord.

 

 

 

My insurers are refusing to replace my 1996 banger with a brand new Aston Martin Vantage, quoting their terms & conditions.

 

Is it common that not reading the T’s & C’s and then being surprised when their claims are denied for a common (and reasonable!) exclusion .....

 

 

 

You will have had at least 14 days from purchase to get and read the policy documents, to ensure it was suitable for you, and to cancel penalty-free if it wasn’t.. The exclusion is reasonable (and, as another contributor has mentioned) was bought in after lots of cases of screen damage from projectiles where adequate care wasn’t being taken (in the case mentioned, the Nintendo Wii, where controllers are waved around vigorously and can end up being hurled at the screen if the advice to use the restraining straps isn’t followed).

So bazza, did you get your Aston Martin in the end?

How many miles to the gallon do you do in town?

Thinking of doing the same thing

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So bazza, did you get your Aston Martin in the end?

How many miles to the gallon do you do in town?

Thinking of doing the same thing ������

 

No, sadly, they didn't give me the Vantage. I'm holding out for a Buggati, though.

 

As for the mpg ; if you can afford to buy/maintain / insure that sort of car, are you bothered by the mpg?.

Edited by Andyorch
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