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    • Looking for a bit of advice on an possible malicious or fraudulent claim.   I received a letter today from my insurance company regarding an alleged incident three months ago and stating I had five days to respond or my no claims bonus could be affected if they settled the claim. It gave a date and postal code for the incident. I rung the insurance company and said I had not been involved in an incident on the day in question and was not even in the area. I am absolutely clear on this although the area is only about 15 miles from my home, it was Easter Monday and I know exactly where I was that day. I asked about the incident and was told that my vehicle had reversed into another car outside a shop. There are no shops in the area, it is purely rural farmland (so no CCTV obviously).   The insurance company said they would note my response and send to the claimants insurance company but would need to send an assessor out to take photos of my vehicle for any damage. My vehicle has no damage to the rear but does have a dent to the door from a collision with a deer that I have never done anything about.   My questions are ;   How did the claimant obtain my insurance details ? Does my insurer have to provide me with details of who the claimant is ? Could the dented door cause a problem because I didn't report it ? It is very obvious it is not damage from reversing into someone else. If I had been away on holiday and hadn't responded, would this claim just have been paid without me knowing about it resulting in loss of NCB ?  
    • It doesn’t say FINE anywhere on the documentation.    I don’t have the facility to scan the document, is there something in particular that you need to see? I can explain what is on there.    Thsnks 
    • CASE DISMISSED!!!   Thank you so much for all your help guys! Couldn't have done it without you!!! - donation on it's way (just waiting for some money to come in next week!)   That was pretty nerve wracking, I must say, but once I got into the flow of things, everything went well. Didn't help my nerves that the PRA rep was 30mins late!! Was hard to gauge the judge initially, but once I realised that she was well versed in the legislation and seemed to hold it in high esteem, I felt confident and the nerves dissipated a bit (lucked out there from what I hear from other horror stories!). She pretty much agreed with everything that I had said, and even highlighted things that I had thought about mentioning but didn't in the end, although she wasn't interested in my use of PRA v Mr Segal as it wasn't directly relevant; I knew this, but that wasn't why I was using it! I tried just once to explain my reasoning, but realised that the judge was ultimately for my case and so yielded quickly on that, rather than get her back up!   The best part was when the rep knew that case wasn't going his way, he then reverted to desperate tactics and referred to the fact that I was a day late sending the stuff to PRA and that I hadn't signed their copy; judge was not impressed with this argument at all, simply saying "Well the copy I have here was filed on time and signed". Not that that would have made a difference as by that point I had already explained my case, and she had agreed. She also had a go at them for trying to file the "response statement" without permission and disregarded it (as you thought Andy).   I felt sorry for the rep, decent bloke, very polite, asked if I had any questions for him afterwards, and kept highlighting the fact that he didn't work for PRA; think he knew it was a poor case and that he would have a hard job trying to fight it.   Something he said did concern me a lot though, and that was that he "couldn't guarantee that they wouldn't try again, either by appeal or by another claim".......not sure what this means and where it leaves me!! I questioned him about there being another claim as I don't feel that an appeal would be approved (although it could I guess!) and he seemed to think that they could come after me in a claim for arrears/interest? This threw me and ruined the feeling of joy that I momentarily had! I phoned National DebtLine to get some clarity on this and they seemed to think the same thing! Then I found this online:   "However, according to Late Payment Legislation law (see ext. link 10), a creditor is allowed to charge his debtor an interest fee, if the consumer has late payments and bad debts. I.e. a debt buyer can request an additional interest payment from his debtors as a creditor, and not as a DCA. The same late payment legislation allows such interest collection to begin after a 30-days default period." https://ecollect.co.uk/wiki/debt-collection-uk/   Found similar information on other sites and even on other threads on CAG. I know you said they couldn't add anything Andy, so now I'm confused.com!!! How can they claim for arrears or interest if the debt that said arrears/interest is based on is now deemed unenforceable by a court ruling???!!! That just seems ridiculous and means that this thing will never end!!!!!    
    • Thanks Honeybee   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement - 5/7/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 11/7/19   3 Date received 16/7/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up   7 Who is the parking company? Northern Parking Services   8. Where exactly [carpark name and town] 1 Kings Manor Newcastle NE1 2ST   For either option, does it say which appeals body they operate under. BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE     I do not think there is ANPR at this location but there are photos of the vehicle in a parking space The PCN has a "vehicle observed from"  date..... and time......  "to date..... time.....  
    • Hi,sorry for delay in respnse, just started a new job.   LBA here   Sports Direct 1st June 2019   Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Rights Act makes it an implied term of the contract that goods be as described, fit for purpose and of satisfactory quality.  I do not feel that an £85 pair of boots should fail after five months of being used for nothing other than their intended purpose. As you are in breach of contract I am rejecting the boots and request that you refund the sum paid to you of approximately £85 which I trust you will be able confirm from your records. I have bought a replacement pair of the same boots from your website on the 28th June 2019 as my son needed boots almost immediately, for that reason please give me a full refund of the original purchase price. I am today returning the faulty boots along with this letter to the Chingford branch of your store. If I do not receive your satisfactory proposals for settlement of my claim within 7 days of the date of this letter, I intend to issue a claim against you in the county court without further reference to you. Yours faithfully,   They replied by email to say this ............. Thank you for send your football boots for a further inspection.   I would like to advise you that on inspection it is our belief that the issue is due to wear and tear and not an inherent manufacturing fault. I appears that the stud had been caught on something which has caused it to rip apart from the sole.   Sadly, I am afraid for this reason we are on this occasion unable to offer a replacement or refund for your boots.   I have now returned your boots to you.   Apologies for any disappointment caused. Kind regards, ................ The boots arrived back to me today   I assume I now make a small claims claim?   Thanks Micky  
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So I currently have a mid 2014 macbook pro with 128GB . Does me fine but there are a couple of niggles 1) When I shut the lid, sometimes the battery life drains away overnight 2) Sometimes the screen just goes blank, usually fixed if I plug it in or wait a while

 

Anyway I can get a really good price on a new Macbook Air about £450 for the 128 and £550 for the 256Gb . Or for another 150 ish I think a macbook pro 128

 

Clearly I like Macs but will admit I do not use them to their potential but I am used to how they work and the keyboard layout and can just about manage to type my essays at a reasonable speed

 

Looking at the various Macbooks, I don't like the basic mac as it only has the one port so when charging you can not add anything else in, also no space for SD cards. Similar worries about the pro except it does have more ports - but I would have to spend more money to use USB connections.

 

The air however, although it has what I need, expansion capability and USB ports , feels a little old hat so really looking for impartial advice.

 

Weight is important but so is size, the mac is only 12 inches whereas the air is 13.3

 

Any thoughts


Any opinion I give is from personal experience .

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I've had an Air 128 GB for nearly two years now, never had any problems, like you I never use it to it's potential.

Just got one for my son through my work but will be paying a lot more than £450, paying in instalments. My son carries his around in a backpack weighs 2.96 pounds (1.35 kg).

I'd think £450 for one was a bargain.


 
 

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Just to be open and honest about it, the reason I can get one for so little is that I have been given a grant via DSA for a Windows laptop because my current machine has become slightly unreliable and this cost would be an upgrade to a Mac.

 

There is another option in that I buy one using my student discount from Apple and get some of the cost back but no one seems to understand if the amount quoted for the windows laptop is ex VAT


Any opinion I give is from personal experience .

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fletch,

 

I wondered why you could get one so cheap, thought it must have fallen off the back of a lorry without getting damaged.

I'm having to pay a bit more than I wanted for my son's one but it was for his 21st and I was sick of him borrowing mine :)

 

Let us know what you decide to do.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Well things get complicated. DSA changed supplier because of an extra microphone order)and their upgrade price was crazy, it would have cost almost as much as I can buy a new air for with my student discount. Clear profiteering in my book, especially when you consider there is no VAT to pay on DSA hardware.

 

So I had two options, go back to the old supplier and hope they would honour the deal (and then probably have to buy the mic at about £40) or buy from apple direct and get £375 back.

 

So I have decided to go for the buy from Apple direct myself so the only decision is 128Gb or 256 Gb . As there is an expansion slot for an SD card I wonder if 128 is enough

 

I also get a set of beats headphones FOC


Any opinion I give is from personal experience .

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Finally got it sorted and back to microlink . Their upgrade is cheaper than I could but even with student discount although I will miss out on the Beats headphones but i will survive.

 

Just holding fire now as there are rumours of a new Mac Air in Sept but I might just go for it anyway


Any opinion I give is from personal experience .

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Thanks for letting us know, I'm sitting here thinking I've had this one over a year and don't even know how to turn the brightness down !!!


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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When that happens to me.... Thank god for Google


Any opinion I give is from personal experience .

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Thanks for letting us know, I'm sitting here thinking I've had this one over a year and don't even know how to turn the brightness down !!!

 

 

 

 

Lump hammer does the trick!


Please consider making a small donation to help keep this site running

 

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Lump hammer does the trick!

 

:thumb:


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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