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    • Good luck and please keep us updated. I'm sure that your experience will be very helpful to other people who have similar problems and find this thread
    • Bankfodder, I don't understand why you think that I am trying to cheat them. It is in the best interest of the landlord to have a tenant occupying the property rather than having it vacant. But having it vacant is better than having a 'bad' tenant - there are plenty of horror stories. As a landlord, you don't have a lot to rely on before you let some occupy the property so how the tenant behaves leading up to signing the agreement is important.    I have had other issues with the agent which I didn't want to elaborate here that led me to terminate the contract as soon as I rejected this tenant. But ultimately the law is law and if my interpretation regarding the 2013 Regulation is correct, this should be straightforward and we don't even need to rely on the other clauses. I'll see how it goes.
    • Just because criteria won't agreed in writing, doesn't mean that there are criteria and they are not to be implied into the contract. As I've said, you have to give your contracting partner reasonable opportunity to complete their side of the bargain. If you employ a builder to build a wall and they start work, then you have to give them a reasonable opportunity to complete. Here you have an agent who apparently has found a tenant and the tenant has satisfied the reference requirements. You keep on saying that they were transparent – but you haven't told us what that means and the most important thing is that you might have to explain that to a judge. I'm afraid so far the impression one gets is that you are simply trying to escape a commitment – even if it is for the best of reasons. I see that you disagree with me. Well that's fine. It's not me that decides the outcome. I think that you are in difficult terrain in respect of your first grounds of objecting. I think that the unfair terms provisions are far more useful to you and are likely to have some success. Once again, your only answer to this is that a tenancy contract haven't actually been signed. Once again I say to you that all of the practical conditions for the contract to go ahead had been satisfied but on your hunch you then prevented the agent from completing their side of the bargain. I think that you are going to have to find a reasonable settlement. I don't think it will be very much – but you are certainly going to have to find a reasonable settlement – and if the agent objected, as well they might, at least you can then demonstrate to a court that you at least have attempted to act fairly and it is simply the agent who is being unfair. I don't think it would be too good for you if a judge came to the conclusion that the agent was trying to cheat you – but you also were trying to cheat them, for whatever reason. I don't thing I can say anything more  
    • Well I think it would be prudent to check them. I found several warranty details for your make of laptop but not UK. Surprisingly, they only say that they will repair defective parts and there is nothing as to what happens if the unit is not repairable. I suppose that being Acer, they have access to all the parts needed – in principle – and they reckon they can repair anything. Double check and see if you can get access to the warranty. Also, you need to decide whether you are prepared to issue a small claim. If you never done it before then read around this forum about how to take a small claim in the County Court. It's quite straightforward but you need to know the steps in advance. Once again, don't expect this to be sorted out by 18 December. I expect that you won't even have it sorted out by February – unless they suddenly react once they receive the court papers and move themselves. Of course you could say that by February the thing will be repaired anyway – but actually you don't know that. It could go on very much longer and at the moment I think you are being led around by the nose
    • As far as I remember and by looking at the receipt, it was already included in the price of the laptop.    Regarding the terms and conditions, I have no idea where to look for them. I might ask my mum to see if there is a mini book that came with the laptop and might contain the terms and conditions
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Car insurance refused to pay out.

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I didn’t go through with it as the lawyer from indemnity legal told me I never had a leg to stand on. 

I sent them the SAR for the Supposed call of my renewal, where when asked if everything on my policy was Still the same. I apparently replied yes. Now I can’t remember anyone from my insurance even calling me at all.


I was told by indemnity legal that if I said I had spoken to my brother and he told me everything was fine. Basically lie. I would of been paid out. 

I phoned a few different Insurance lawyers after that to try get further advice. One got back to me and said they work with go skippy so can’t advise me on it. 

so yeah I just gave up in the end.

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Who is Indemnity Legal?

When did you send them the SAR? Can you post up a copy of the SAR that you sent please.

Did you get any response to it at all?

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They are the insurance lawyers I contacted about the claim.


I just told them I wanted to do an SAR for the call over the phone.

I asked for 3 separate calls to be sent to me. One for the renewal call and 2 others.


They sent me 2 calls which I asked for via email. The only one they didn’t send me. Was the call of my renewal. Where I apparently said yes to all details remaining the same on the policy.

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Is indemnity legal a firm you were introduced to by the insurer?
I asked you if you would please put up a copy of the SAR that you sent so that we can see it.

When they supplied you with the partial disclosure, was there a covering letter? Could you post it up please. And when you receive the partial disclosure, you didn't contact them or complain about the fact that it was incomplete?

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And like I said I didn’t pursue it because I just gave up. I wasn’t getting anywhere with it. I’m not clued up with all this. I just saved for a new car and started again.

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I suggest that you start again by sending them an SAR.

However, I think that in the SAR, you should make it clear that although this is a fresh application, you note that you previously made an application dated XXX and that they failed to comply in that the disclosure they made was incomplete. You should remind them that this is a breach of statutory duty and that it may be subject to a complaint to the ICO or more serious action in court.

Tell them that in respect of this fresh application, you want everything that they have about you on any matter and in any form. Use our template and modify accordingly.

Do not send SAR requests where you specify precisely what you want. That limits it too much and it means that they may have other information which is relevant but they feel that they don't have to provide to you because you haven't specifically asked for it.

You should leave your requests wide open so that they have no basis for any trickery interpretation

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Ok do I send this via email to go skippy itself or to Somerset bridge the underwriter? 

This might be a silly question but what template? 

Thanks you for trying to help me i really appreciate  It. But I am truly rubbish when it comes to stuff like this. Writing letters etc. So apologies in adavance.

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Well if you click on the link SAR <<<then you will find the template and also other information

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Send an SAR to the insurer and to anyone else you think is likely to have information – which probably means the insurer. Wasn't it the insurer that failed to comply with the SAR before?

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