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    • Attachments (Exhibits)   FTMDave and I have called them "Attachments" but I note Andyorch used the term "Exhibits".  I don't think it makes any difference which you use but perhaps Exhibits is more correct.  Whichever you use, make sure you use the term consistently.  (i'm going to use Attachment for now).   You use Attachments as supporting evidence for things you mention in the numbered particulars of your claim.  Might be a report from a third party or a quote from a third party.  In the relevant numbered particular of your claim you refer to the appropriate Attachment supporting that part of the claim.  eg like this "(See Attachment A)".   You can use numbers or capital letters to identify each Attachment.  I don't think it matters which but be consistent in your usage.   It helps if the Attachments are organised and incorporated into your claim in a logical sequence.  (eg A, B, C etc)   Make sure each attachment is clearly labelled "Attachment A"  etc.   If it is not immediately clear to the reader what an attachment is, put a brief description.  Eg "Quote from XXXXX Ltd to complete unfinished plastering" or whatever.  Make sure the reader can understand what each attachment is.   Ideally each Attachment will be no more than one page.  So you can make the labelling of attachments even clearer by labelling them "Attachment A  -  page 1 of 1" etc etc.   If an attachment is longer than one page you label it "Attachment A - page 1 of 2" and then "Attachment A - page 2 of 2", or whatever it is.   By doing all that you are making it easier for the judge to follow - and you want the judge on your side...   Now - what you've posted in #109 is helpful because it adds up to to £16577.  Which is good.  But if I were the judge, I'd want to know where the individual items come from.     So what you have posted in #109 should - I suggest - be your final attachment.  Let's call it "Attachment H" for now.  So at the end of your particulars of counterclaim where you say you are claiming £16577 from the defendant, you put the reference "See Attachment H".   The judge then looks at Attachment H and sees a total of £16577.  What you then need on Attachment H next to each individual item on there, is a reference to which earlier Attachment that item comes from.  eg "See Attachment C".  The judge can then look at Attachment C and understand where the item on Attachment H comes from.  By doing that rigorously and methodically for each item on Attachment H you are justifying each item and the total of £16577.  Yes?   Your schedule in #109 is OK but raises questions that need answering.  eg: spelling as spotted by Honeybee13 Grand total as spotted by Honeybee13 TBA or estimates as per my previous post and Honeybee why is it in two separate sections (£8577 and £8000)? The item numbering is absolute garbage At the end of the day it is going to be the detail (or lack of detail) in your attachments that will win (or lose) you the case.  It has to be just right and you have to be consistent.  It has to be logical, methodical and consistent so it can be understood immediately.   I don't want you to give me answers to these questions.  I want you to act on them.   As I said earlier, don't post any more work you have done for now.  Wait until FTMDave is back this evening so we are all working from the same page at the same time.   If Andyorch or FTMDave suggest anything that disagrees with me, go with what they say.  They know more than me.    
    • Hi again I sent my letter off on Monday, signed for delivery as I wanted to make sure it's got there, it was finally delivered yesterday Last night I had a text from them:   "There is a 50% settlement discount available on your account.  If you cannot pay in full this can be paid across 3 equal monthly instalments of £339.57.  To take advantage of this offer please visit" and then a website link.   Hopefully they will be in touch soon to say they've taken the letter on board and will leave me alone now.   I'll update this thread if I hear anything, it really helped me to see others had been in my situation. Fingers crossed
    • It hasnt caused tfl financial harm, those cards are paid for by the public purse. Your abuse of that is what you need to get acrossYour   id also state a criminal record will destroy your future career totally.   Dx
    • sure, this is the email i will send today unless there are any changes i should make?   Dear Sir/Madam,   I am emailing as I wish to ask for an out of court settlement regarding my case (case number). I realise that my actions have caused TFL financial harm and for that I am truly sorry, and would like to help remedy this in any way. Whilst there is no excuse for my actions, at the time, I was struggling to afford transport as a student working only 6 hours a week. Student finance did not provide maintenance for masters and on top of this, I was on universal credit during that time. I have since been paying for the travel using my bank card and despite going into overdraft multiple times, I continued to pay the full fare for the past 4 months and will continue to do so. This is a mistake I truly regret and am willing to pay the entire amount stated to settle this as soon as possible. Thank you in advance for your consideration.   Kind regards,    
    • Ex-Credit Suisse chief António Horta-Osório went to Wembley on same day he attended Wimbledon.View the full article
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Virgin car insurance, stolen vehicle


heidi1
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Hi guys, wondering if anyone can help me. I may be jumping the gun here as Virgin haven't contacted me yet re: my stolen car.

 

It was stolen from outside my house last night sometime. (Subaru Legacy)

 

I have never claimed on my insurnace and the last time (and only time) I had a car stolen was for a car not worth claiming for!!! There are a few q's I have and just wondered if anyone had any experience with this.

 

Firstly, I have fully comp insurnance and it mentions that they supply a courtesy car while mines in for repair, but I haven't had an accident, its been nicked! What happend then ? Am I still entitled to a courtesy car?

 

How will this claim affect my no claims?? Do they only take accidents into consideration or do TWOC's count againt it too?

 

I know I should be asking them all this but I cant be bothered to wait 3 days for a phone call!! If I cant have a courtesy car I need to look into buying a banger until my claim is sorted out!

 

Any help gratefully recieved,

 

Many thanks

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Right.

 

No you will not be entitled to a courtesy carr whilst the vehicle is stolen unrecovered. If the vehicle is found, and in for repairs then you will get one.

 

Your no claims discount will be affected, unless the Police catch the thief, prosecute and the courts order him to pay the insurance company back -VERY RARE.

 

Also you should need to know your excess would be deducted from the settlement amount, and should you continue with the claim your premiums will still be payable until renewal - you need to know that if you decide not to get a replacement car and are paying monthly.

 

What we advise people in a similar situation to yourself is to go on virgins website & get yourself 2 quotes - 1 on the basis that you will have and extra years NCD (which you will get if the claim is withdrawn) and one on the basis your NCD has stepped back 2 yrs and a claim has been made. Multiply that by 3 (as the claim will stay on your policy for 3 years), add the excess to that, and that is what the claim will cost you.

 

If it is more than a cost of the car, and you can afford to buy a replacement car, then it would be best withdrawing the claim.

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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What does the red dot mean Craig?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Someone didn't like what advice I gave

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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:D Well I do like the advice you have given me... many thanks once again!

 

What does my green dot mean??

 

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Oh heck! I committed a faux pas by telling someone they could claim £80 costs (im so used to doing this as part of my job) Im going o check the colour of my dot now

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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1 green dot means no one has complained - look at your USER CP and it will have your "reputation points".

 

Jayne - you're still green!

  • Haha 1

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Im in Court on Mon at Sheff v a foundry close to you (I assume you are Sbridge South Yorks) not going to press the scales so you stay red as per your instructions. Do you work for 1 of the big assessors? Do the FSO actually have any weight with these people? Ive reported my insurers to them as they have taken months and still have to decide whether to pay my husbands Unemployment cover claim? He has been working for 6 weeks now put it that way

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • 2 weeks later...

Well it still hasn't been found yet:-(

 

Isurance co. have sent a letter saying that they will settle the claim, but they want to send someone out to look at the car to help value it? There is no car to look at (well not yet anyway!!), please tell me this is a standard letter!

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Oh dear!!!

 

UK Insurance strikes again!!!!!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Well it still hasn't been found yet:-(

 

Isurance co. have sent a letter saying that they will settle the claim, but they want to send someone out to look at the car to help value it? There is no car to look at (well not yet anyway!!), please tell me this is a standard letter!

 

Heidi

 

As usual the last moron to look at your claim looked at the last entry which probably indicated that they are going to settle so they sent you a letter to arrange an inspection without realising it's nicked.

 

You would think the case reference alone would indicate the type of claim.

 

Also in the case of theft it's usual for the insurance company to wait 3 months before settling. This is to allow the police time to recover it.

 

Let the assessor turn up then tell him cos telling the insurer doesn't appear to be working

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Will do! Does left hand know what right is up to??? I think not!

 

Anyway, we shall see!

 

Thanks for the advice guys, much appreciated!

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Got a phone call from the police yesterday, they have someone in custody who has addmitted to stealing my car!! But still cant find my car. Well I suppose its a start. I phoned Virgin this morning to advise, and was told I may even have my cq b4 xmas!!

 

This all seems too easy! They have given me a valuation, which I suppose is acceptable, and thats it really. Just have to wait and see now.

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Is the valuation really acceptable? They will usually offer you less than they are willing to pay out first - at least that's what happened when I had my car nicked. First offer was £3k, I said it was worth £4... without delay they increased the offer to £3.5k. Got to be worth a try to push for a bit more.

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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I dont think its too bad TBH, they have offered me £2900. I paid £3000.00 for it 5 weeks before it was nicked! So I've lost £100 in 5 weeks, I dont think that is too unreasonable!

 

I hear what you are saying but I dont think its going to be worth pushing.

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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