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    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
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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.

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      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
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    • 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
        • Like

hastings car insurance advice required


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Car repair cost amount to the approx. value of the car,

your customer service tell me they can send salvage agent to collect ( then they will valve car and negotiate a value)

how about don't be silly its going nowhere till any payment is agreed and cleared, or

 

2/ they can send an independent assessor out and I could then decide how I want to proceed and if he deems car a write off

it will be categorised whether I claim or not (so your devaluing my vehicle if I don't claim but an assessor come to inspect it ( sounds like a bad joke)

 

3/ or I can choose a repairer of my own and my excess will be doubled (so a more reasonable repair shop you will pay less towards repair I will have to pay more

 

seems my only option would be buy car back and get it repaired

(which shouldn't be a problem as its still roadworthy (so local fiat agent tell me)

seems that's a no go also,

 

where does the comprehensive come into it,

and realistically what can I do,

because you're not working within the consumer rights as your excess policy is attemption to adversely affect my descision

Edited by Andyorch
Paras
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Fault accident ? Or third party definitely at fault ?

 

If third party at fault and third party insurers admit liability it might be easier to go to third party insurers.

 

Assuming writw off likely, Of course the car is yours, until you sign it away to Hastings or any company that Hastings uses, they offer you an amount in settlement and you accept,

 

Best to keep control of situation, by getting repair estimates yourself. If you can get the car repaired, it might be best option.

 

A write off at market value, less the excess and less any insurance premium remaining ( if you spread annual premium by monthly payment), might leave you with little money left to buy a replacement

 

Check guides such as Parkers, glass.co.uk for current market value as you are likely to be offered lowest book value. You can negotiate amount, by offering evidence of cost of buying a replacement, so get searching for car ads.

Edited by dx100uk
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fault accident , its comprehensive , think I could have explained this better,

1/ if I use hasting repairer my excess would be £400 but would very likely be written off (not wot I really want )

 

2/ I can use my own repairer but then they are telling me my excess will be £800 hmm so I use a cheaper repairer and I get penalised an I missing something so I will end up standing the majority ov the cost ???

 

3/ I just pay for repair myself with is basically wot I said in point 2

 

4/ so I think maybe I buy car back if wrote off and get it repaired ( they say that's not possible) tho it seems to happen all the time

 

5/ so hasting are attempting to steer me into a decision which only benefits themselves they are not covering me there covering themselves

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threads merged

duplicate posts removed

 

please keep to one thread

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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With any fault accident, unless the damage is into thousands, it's usually cheaper and better to repair at own expense.

 

You can use your local garage instead of the ones linked to insurance which seem to be able to screw up even the most simple jobs.

 

The other day I helped a desperate neighbour who had been back and forth from a shiny authorised repaired for a dented door.

The door was wobbly and not closing properly.

They said it was wear and tear on the hinges and wanted £600 to fix.

Turned out there's a locking/adjusting nut on the hinges which was suspiciously loose.

 

2 minutes of my time.

Incompetence or rip off???

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I don't doubt I could be repaired cheaper insurance estimate £2500 approx. ,

sorta makes you wonder how or why insurance companys want to just write cars off and impose doubling of excess to stop you using a cheaper repairer

(well they don't stop you but you'll end up paying 95% yourself)

all seem to be hidden away in the double dutch terms and conditions ,

which 100% are not following the insurance regulations, modern day [problem]mers

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