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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • Owners of older vehicles tell the BBC of their anger that their cars' apps will stop working.View the full article
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Static Caravan Ruined by flooding in October


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Can you help,

I brought a static caravan 6 years ago for £10,000 and was not told the site my caravan is on floods.

It flooded really badly at the end of October and my caravan was sat in water (dirty, black water) for nearly 4 weeks and is completely damaged, unfortunately my insurance doesn’t cover flood damage,

can I claim back damages from the site as they are apparently a flood plain 3 and they allow the land to flood to help the EA to protect residential properties.

They were aware of the potential risk of flooding because they had a bad flood back in 2012, they did not have anything in place or did anything to prevent damage.

Also during the time the site was flooded the owners did not keep people informed officially only via their Facebook page (not often).

I’m trying to cover all avenues to try and recover some of my losses. 

Regards

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  • dx100uk changed the title to Static Caravan Ruined by flooding in October

Hello, welcome to CAG. I'm sorry to hear about your problems. I see @dx100uk has amended your thread title for you.

I expect people will be along later to advise, please bear with us until they're able to get here.

What does your insurance policy say about flood damage please?

Best, HB

  • Thanks 1

Illegitimi non carborundum

 

 

 

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I have attached their standard policy but on my insurance schedule it states

“Variations to policy cover :
This insurance excludes loss or damage caused by flood. Flood is an inundation of water from the normal confines of any natural or artificial water course including but not limited to streams, rivers, culverts, lakes, ponds, reservoirs, canals, dams, coastal waters and/or the overflowing of water onto land arising as a direct consequence of rainfall.”

Did try to claim as storm damage because the 2/3 storms brought torrential rainfall.

I’m not sure if I can claim or how to against the sites public liability? 
 

Thanks

NACO_Policy.pdf

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When did you first have sight of this policy containing this exclusion?
Was there any contract of sale when you bought the caravan? Did he refer to any exclusions or contain any disclaimer et cetera?

What is the value of the damage your caravan has sustained

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Hi,

I noticed the exclusion when I brought the policy.

I brought my caravan from a previous owner on site via the caravan park my contract is passed from the previous owner to me apparently,

I have only just found out that my caravan was flooded back in 2012 but this was not disclosed to me, let alone any damage that was caused.

I’m under the impression that my caravan is a complete write off as the dirty black water actually went inside the caravan, about 6inches.

The caravan has mould inside, the doors are split and the smell is awful.

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Hi

If this is a Caravan Park where your Static Caravan is situated I assume you pay a certain fee to the Caravan Park Owners for your Caravan to be located where it is and also as there has been previous flooding at this Caravan Park I would expect the Caravan Park Owners to have some sort of Flood Management Plan in place and also Business Insurance that covers Flooding.

Have a read of the following link on Managing flood risk for campsite and caravan park owners:

WWW.GOV.UK

How to manage the risk of flooding on your campsite, caravan park, holiday park or residential park.

 

Get the flooding history of a property in England:

WWW.GOV.UK

How to get the flooding history of a property in England.

 

Check for flooding:

WWW.GOV.UK

Find out if there’s flooding in your area: flood warnings, flood alerts plus river, sea and groundwater levels.

 

Have a look at this PDF from Environment Agency flooding minimising the risk Your Caravan / Camping Site is in a flood risk area:
Look specifically at page 5.

Quote

Your responsibilities as a site owner 

Occupiers Liability Act 1957

Under the provisions of the Occupiers Liability Act 1957, you have a duty of care to your customers.

This is likely to include making them aware of the risk of flooding to your site.

Environment Agency flooding minimising the risk Your Caravan.pdf

 

Occupiers’ Liability Act 1957:

WWW.LEGISLATION.GOV.UK

An Act to amend the law of England and Wales as to the liability of occupiers and others for injury or damage resulting to persons or goods lawfully on...

 

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So I ask you –"when did you first have sight of this policy containing this exclusion?"
And you answer – "when I brought the policy"

And then I ask you – "what is the value of the damage your caravan has sustained"
and you answer that it is probably a complete write-off

 

 

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Let's try again –

 

when did you first have sight of this policy containing this exclusion? **Enter date here**

what is the value of the damage your caravan has sustained  **enter figure in pounds sterling here or approximate figure here**

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Hi,

Apologies, 

when did you first have sight of this policy containing this exclusion? **28th October 2023**

what is the value of the damage your caravan has sustained  **complete caravan value £10k but new for old would be approx £50k**

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Silly question, do you know if an insurance company can pursue a claim on the sites public liability or is this something I would have to do independently? 

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Topic moved to the appropriate forum  Insurance/Assurance Companies (Not Car Insurance) 

Please continue to post here.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Not really sure what you mean by this:

Quote

insurance company can pursue a claim on the sites public liability 

but the answer is probably no. You shouldn't expect any insurance company to do anything for you. Especially if you are referring to your own insurer which is already apparently disclaimed liability for anything to do with flooding on that site.

You say that you had first sight of the policy this year on 28 October. Is that when you first took out the policy? What insurer did you have before this?

I understand that you bought the caravan from a private seller – not from the site owner. This means that even if the site owner had a duty to reveal flooding to prospective purchasers of caravans on their sites, that wouldn't apply here because it wasn't their sale.

So the question then becomes whether the private seller of your caravan had a duty. Whether any contract documents in the agreement between you? I don't know anything about buying caravans but are their initial surveys et cetera?

And then, you get to a final problem which is that you are only entitled to bring legal actions within six years of the date of a breach. If there was a breach of contract and that breach, for instance, was the withholding of information by the private seller, then from the sounds of it six years has elapsed from that date and your right of action has also expired.

I'm going to say right now that it really doesn't look very good.

Presumably other caravan owners on the same site must've been affected. Have you any idea what they are doing?

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Hi

You need to get a flooding report which is in the links I provided

You also really need to read the Evvironment Agency PDF properly and digest what I quoted also

Did you purchase the Caravan privately via the seller only or did you purchase the caravan via the Caravan Site only?

Can you post up in PDF Only your Sale/Purchase Documents redacted

You also need to write to the Caravan Site Owner requesting a copy of their Flood Management Plan

Due to previous flooding remember the Environment PDF the Caravan Site Owner as it a Business should have Business Insurance that covers Flooding

You also from that same PDF need to digest The Occupiers Liability Act 1957

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Hi Stu007,

 

- I have read through and it seems that the site did not do any of the things recommended. No signage anywhere on site.

 I purchased the caravan from a previous owner on site but it had to go through their sales office as they handle the transaction from the sale and take a commission before handing the money to the seller.

 I have attached to sales agreement (blanked my details) and it was only the 1 page, nothing printed on the back or other pages.

 - I have emailed the caravan site to request a copy of their flood management plan and public liability details, don’t expect to get any response from them.

 - I am going to digest this information next.

Regards

 

RIVERSIDE CARAVAN CENTRE PURCHASE AGREEMENT.pdf

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well need page 2 and any other paperwork you were given at the time of purchase. like T&C or conditions/use rules etc.

  • I agree 1

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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really?

this smells!!

 

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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Hi

I have to agree with dx100uk as that PDF on the bottom part does state overleaf so there is a second part to this document which we do need to see as well as any other document signed during this sale in PDF only.

That PDF also refers to:

1. Terms & Conditions - we need to see this PDF Only

2. Licence Agreement - we need to see this PDF Only

3. The PDF states The caravan will be insured through Jardine Lloyd Thompson unless you notify Riverside Caravan Centre within the next 14 day that you have taken out alternative insurance in which case no charge will be made for the cover in the intervening period.

Did you leave it and go with there Insurance Company or did you notify them and take out your own insurance within that 14 days?

Can you also clarify is this a Holiday Park where you holiday part of the year or is this a Residental Park where you permanently stay?  (got to ask but looking this place up in Bognor Regis it's a Holiday Park but need you to confirm that is that is also important info)


Can you clarify if this is Riverside Caravan Centre Bognor Regis we are dealing with?

If that PDF is all you were given then your next course of action is to send Riverside Caravan Centre a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase covers whatever format they hold that data in whether it be written, emails, recorded calls etc.

They then have 30 Calendar Days to respond but that time limit only starts when they acknowledge receipt of your SAR Request

So get that SAR sent to then asap 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Yes, we need to see the second page of the terms and conditions even if they weren't shown to you.

Also, I did ask you who you insured the van for before your present insurance – and you haven't replied. Is there a reason for this?

 

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Apologies,

I have requested the information from the caravan park regarding the other pages to my sales agreement.

I have had different insurance companies over the years as every time its due to be renewed I look for the best deal,

I need to pull out my paperwork to see if I kept the information 

Yes the site is Riverside caravan centre in Bognor Regis which is a holiday park, it has a 8, 10 and 11 month area.

I know that some people on the 10 / 11 month, it’s their main residence even though the site doesn’t have a license for that.

Just been advised it has flooded again, it was clear last weekend but slowly rising again due to the rain full.

Some people on site that have flood cover insurance seems to be the ones on site for years but all the new people are either trying to salvage their vans or walking away and losing everything.

i have emailed the site for a copy of their flood management plan and the data on my sales agreement but not holding my breathe for a response.

Regards

 

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