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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
    • If the claim is private individual against business, the case should be heard in your local court. Did you buy the dress under a business name or your own individual name?
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Hi all. 

 

I've got accidental damage and new for old on my home contents insurance which also covers gadgets. 

 

I spilt coffee on my phone and it had to be sent off for inspection, they have said its beyond repair. 

 

Its an iPhone 7 Plus and as I've got new for old insurance what will they have to provide me with? Just so I know my rights. 

 

Thank you. 

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Well presumably they will have to provide you with a new iPhone 7.


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I think new for old means precisely those words. A new version of your old model. If they don't have any more of those left then it will be the next equivalent upwards.


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These phone Insurances work with companies that hold large stocks of older models, so they are usually available. If not, they would replace with the model that replaced the older model.

 

 

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they will only gibe you an updated version if the old version is not available and if the price is massively different then they can pay you in cash instead.  For example, i own an expensive watch and I lose it. The watch I lost is a1960's classic Rolex. they wont have to scour the world looking for the same watch in all of the auction houses, they pay me the cash value instead despite the new for old policy

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