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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Wedding Ins Claim, Help Or I Will Have To Cancel Again!!!!


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Hi,

Following the recent floods my wedding had to be cancelled due to my venue (marquee) being flooded. BEFORE i cancelled on the friday (my wedding was on the sat) i called my Insurance Company - Confetti.co.uk and asked if we were covered for this eventuality. I was told that there was no doubt that i was covered and to go ahead. Later My Fiance called again to make doubley sure, he was told my another claims handler that we were definately covered, he asked what we could claim for and was told anything we have receipts for to do with the wedding. He also asked how long claims normally take and was told usually they are turned around in 7 days. Over the following few weeks i went ahead and rebooked my new wedding (8th Sep).

Obviously the 8th is looming and we are now having problems with the claim. I have been told by Confetti that our claim has been passed to underwriters, i asked why and was told it was because there is doubt that my claim will be paid out.

I mentioned my previous conversations with themselves and told them i had been assured that i was covered before cancelling but their response was that it was out of their hands now and i would just have to wait to hear from the underwriters.

 

As u can imagine with a week to the new wedding suppliers want to be paid, we HAVENT got a penny left as the last wedding cleared us out at 25000!!!! we are now in the situ where if we dont hear from them that thet are paying out in the next day or so we will have to cancel again.

 

I have asked the insurance co for copies of all the conversations i have had with them as it proves they assured me it was covered. To this they said no not until the underwriters have made there decision, i explained it was my legal right to have a copy of the calls, when, at this point they agreed. I suspect they will simply delay giving me the copies until the underwriters have made their decisions, or, 'lose them'!!! Anyonehave any ideas or advice for me on what to do or where i stand?

 

Thanks Kerrie

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Not an expert but having a look at the terms and conditions of the insurance (Iassume its this one) http://image.confetti.co.uk/i/shopping/insurance/insurance_wedding_2006.pdf

 

Section 13 is titled - Optional Marquee Extension. And states;

 

This Section applies only where the appropriate Premium has

been paid.

Cover under this Section does not apply to Weddings taking place

outside the United Kingdom.

We will indemnify You up to the amount detailed in the summary in the

event of loss of or damage by any cause not specifically excluded

occurring during the period of hire (the period of hire not exceeding four

days unless agreed in writing by confetti.co.uk Wedding Insurance).

Cover under this section includes cancellation/curtailment and

rearrangement as a direct result of Loss of or damage to the Marquee.

 

Please tell me you paid for this!, as it seems to be the key point of your claim that the wedding was cancelled becasue the Marquee was flooded. The other part of the insurance does discuss adverse weather conditions but only provides cover if you cancelled because guests couldnt make it there because of adverse weather conditions, was this the case?

There also appears to be three levels of cover, did you take out the most expensive?

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Hi, yeh i did take out marquee cover and i took out the most expensive cover - diamond. I have spoken to Confetti anonymously and said i have taken out cover with you, would i be covered if my venue was flooded as a result of say... the recent floods we had, and she said yes u will 100% be covered under the section of 'an unexpected event causing damage to the venue, therefore making the wedding unable to go ahead'.

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Oh and yes, this was also the case, my village was an island. the access road to the marquee was a river waiste deep, and the rescue boats were there rescuing people from their floating cars!! I took pics of the flooded marquee, flooded lane,, rescue boats etc and sent them in with my claim as evidence!

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Hi there, have you any way of recording a phone call. If so, why not simply repeat the last anonymous call but record it. Then call back under your real name and play the recording to the people you spoke to first time round and see what they say then.

 

You do not have to warn people that you are recording the call.

 

hth

Prelim sent May '06

LBA sent June '06

Fob off now rec'd to the prelim

Copy of fob off now rec'd as response to LBA!

Full repayment of all charges since 1997 now received.

Account Closed

Donation made :)

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oh yeh thats a good idea, ill do that tomorrow, i have a stereo at home with a built in microphone so ill try it for sure!!! Thanks x

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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