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    • Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say? In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens. In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into. Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.  
    • I have booked a Hotel/Flights Package with the above paying a 10% deposit with the balance due a month before travel next August.   On looking at Cancellation Charges they virtually say 100% 84 days out plus.   According to the Package Travel and Linked Travel Arrangements regulations 2018 - termination fees have to be "Reasonable and Justifiable"   I find it hard to comprehend how last minutes charges could fall into the above description.   For example the hotel is available on Booking.com for our dates with no pre-payment and free cancellation up to the day before arrival.   I'm not sure of their arrangement with BA but the tickets we reserved have doubled in price in the last week and could easily be resold.   I can't find any anecdotal evidence or Court Cases relating to them trying to collect Cancellation Charges from people who have not already paid the full balance and cancel. If I were to cancel 8 months out is it likely they would pursue me for the remaining balance.    
    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
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flexeh

better deal for a New Customer - can i ....

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Right, struggled where to post this, i had tried looking about but couldn't really find anything that said it worked. So basically 2 questions really

 

So i'm curious - New customer offers, can your partner sign up and be treated as a new customer? If you already have an account with them youself.

 

Also if it is possible, would you then be able to link a cashback site to that a new customer offer.

 

Wasn't sure if they count the household as a customer. Its just our internet deal is due to run out end of this month.

 

Thanks

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Debatable......same surname ?


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Which company are you dealing with? I would have expected that the offer would be targeted at a particular individual. If there was ever any question of conflict which led to court action then I'm sure the court action would be against or by a particular individual


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Debatable......same surname ?

 

 

Not yet! Lol she wants it to be though

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So not married same address...then its treated as a new customer.


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Problem is I would be paying on my card still

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doesn't matter who pays it.


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I do exactly the same with Plusnet every 2 years.

 

I originally took out the contract in my name. 2 years on, other halfs name as a new customer. 2 years on, back in my name as a new customer again (after the 2 years you're a newbie once again). Current contract runs out on 19th of this month, so it'll be back in to the other halfs name, once again on a new customer deal. Always paid for from the same account too. All they want is the money each month, they won't care where it comes from.

 

All without any interruption in service and without changing telephone numbers etc.

 

It's playing the system to a certain extent, but the providers don't really care. They'd rather keep your custom (even on a better deal) than see you go to another provider.


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That's actually prompted me to look at the Plusnet website.

 

I'm about to be saving another £4 a month and on a 1 year, instead of 2 year contract. That's a bonus :thumb:


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Update:

 

Just phoned Plusnet and they wouldn't go for it this time. I could cancel my account and put in the other halfs name as a new customer, but that would've meant that I'd have been without internet for 2 or 3 weeks.

 

I have though managed to secure a deal (same speeds etc) that saves me £3.30 a month on a 12 month contract by talking to the retentions department rather than the sales droid, so it's not all bad news :-D


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I dont ever accept the first answer or sometimes even the 2nd answer a CuSe rep tells me, often it's the computer says no scenario so moving up a tier on the complaints level usually draws a human that has access to work round the system to find a viable solution.

 

My ISP fell for renewal end of last month, I called them as you do, they couldnt offer me a deal as I'd signed up for an 18mth Contract with them, I pointed them to an email sent a year before that gave me a 12month contract, they couldn't see it, wouldnt acknowledge so I redialled and raised it to a complaint...a few calls later and I got a deal that gave me another 12 months at reduced rate and a confirmation email again to confirm, if at first you don't success try and try and then bludgeon them into submission.

 

As for new customers, in my case yes, each year we do it with House Insurance, it's paid and my partner is on the insurance as joint owner, each year the renwal comes in higher without exception (this year it was 10% increase) so my partner ask for a new policy and was given it inclusive of the usual new customer discount and it returned it to a price less than the renwal and almost the same as last years (just a little less) Next year it will be me as the named Policy Holder, it's been this way for around a decade now. The only drawback I can see is that you lose a no claims discount but for me it's about the price, so if by signing up each year gives us a discount less than the renewal then thats what we'll do and do ....do so to speak.


I reside in Dawlish Warren but am not a rabbit.

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