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106

General Discussion Area / Re: New Oven Time

« on: 24 November 2015, 20:09:53 »

I'd go for Neff.  lots of ovens come with fancy programs and all that crap but all you do is dial a temperature and chuck something in it.  So go for bottom of the range Neff: great quality, well insulated, cheap to run. etc

Stoves: expensive but run of the mill stuff

hotpoint/indeshit - steer clear of  as never had good experience there

107

General Discussion Area / Re: Oh FFS...

« on: 26 February 2015, 12:44:34 »

business banking: HSBC is not bad - they'll do the first year for free.

don't think First Direct do business banking but to be honest they are no different to HSBC and they are all a shower.

108

General Discussion Area / Re: Removing sealant

« on: 05 February 2015, 11:55:15 »

this is the stuff to use

http://www.screwfix.com/p/no-nonsense-sealant-remover-100ml/88987

scrape the large bits off as above and then use the solvent - you'll get it completely clean with that

109

General Discussion Area / Re: Red circling pay freeze

« on: 30 January 2015, 10:04:49 »

sorry to say it but, its pretty standard behaviour.  Unless you have collectively bargained pay awards via Union then, to be honest, your stuffed.

My advice is to take the hint.  Say nothing, keep quiet, find another job and then leave. after all, they are saying they don't value you

I know its a bitter message but that's par for the course for "HR" these days

110

General Discussion Area / Re: House warming party in Barnsley.

« on: 31 October 2014, 11:13:41 »

I hear the house in Barnsley does have a conservatory....

111

General Discussion Area / Re: Three independent insurance quotes.

« on: 30 October 2014, 16:25:39 »

definitely time to get legal on this. 

one point: no win no fee sounds good and works where you have a good chance of not winning.   but where these guys make their money is charging the earth when you do win

in your case my view is a win is almost certain so you might consider a more normal fee paying approach and recover costs.

Personally I think if it goes legal, the wagon insurers will cave in but it will have to go legal first.  given the sums involved they will fight hard I'm afraid

leave your insurers out of it; only fall back on them if you cannot recover from the third party: wagon insurer

112

General Discussion Area / Re: Itsurance woes part 2.

« on: 26 October 2014, 18:31:33 »

Thanks, chaps. humour is always good.

I have another dilemma. I  managed to get a quote for returning the garden to it's former glory. £5000 ish. I have another landscaping company coming tomorrow at eleven.

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

It seems I may have to make a second claim against Aviva. Insurance companies seem to have a very cosy arrangement with one another.

Absolute rubbish.  You are making a claim from the insurer of the lorry - they have a statutory responsibility to cover you as a third party.  Your insurer is being stupid, they are making things up as usual.
If they are saying things " by law" ask them specifically to quote the precise legislation because it does not exist!

this makes my blood boil.....

113

General Discussion Area / Re: Insurance woes.

« on: 24 October 2014, 15:28:32 »

been in almost exactly the same position as you although in my case it was for £1,000.

Insurers when it comes to property damage hope you will go away, it is a civil matter rather than criminal so the police generally don't want to know

the insurers have a statutory responsibility for liability to third parties - I can find the reference in the road traffic act if you want.  however, here the approach I used

1) obtain a quotation for repair works for the damage and submit it to them

2) chase in 2-3 weeks if you have not received an answer ( you won't)

3) chase again saying that if you don't hear, you'll consider taking legal action

4) issue a final demand letter giving them 14 days or legal action will commence


the issue with the legal action is that if it is under £10k you cannot use small claims and that does mean solicitor.  If less than 10k run the claim yourself via small claims

I'd expect the insurers to cough up at point 4) as they then know you are serious

don't deal with your house insurers, its not their issue, deal with the lorry drivers.

and yes, when it comes to managing claims insurers are little sh1ts.  fight for every penny and do not give in. 

they rely most of the time on people trusting them or the old BS about their policy blah blah blah which is irrelevant as it is only civil law that matters

good luck

114

General Discussion Area / Re: Better off dead?!

« on: 30 September 2014, 06:50:31 »

another load of rubbish from that man.

The reality is that very very few people ever worried about paying this tax - it was only ever relevant for those who had large pension post anyway.  This that did have undrawn funds over 75 simply managed around the tax - by drawing their funds or paying it as taxable income to dependents. 

Anyway, nice headline but no substance.  Useful to cover up Mr Paisley pajamas however

115

General Discussion Area / Re: Hit,n,Run

« on: 19 September 2014, 08:26:18 »

write to DVLA and request it

https://www.gov.uk/request-information-from-dvla


trust me, when the court papers land on their mat they'll panic!

sorry just read the thread again - don't bother with the solicitor for the failing to stop bit - that is a criminal matter that police should follow up on.  whether or not there is a conviction there will not change your case.  Best to complain to the police that a crime was committed ( failing to stop after an accident) and they did not follow up.

The issue you need to pursue is the costs of repairing the car.  so

get the keepers details - send the a quote for the repair and 30 day payment terms.

then if they do not pay, send them a demand

then if they do not pay, go to small claims - you need to be seen to act reasonably here in pursuing the debt but you should persist - it may take 6 months but either this will go to court or it will get said person back to the table to settle via their insurers

also have you tried speaking to anyone near where the incident occurred to see if they have any CCTV covering the area - would be fantastic if you could prove the vehicle was in the area at the time

116

General Discussion Area / Re: Hit,n,Run

« on: 19 September 2014, 07:04:51 »

pretty sure you can get vehicle owners details from DVLA somehow, with those, issue small claims proceedings.

Then the owner has to fight back or you win by default - quite an easy process and you are better off not using a solicitor because you then look the poor downtrodden victim you really are

117

General Discussion Area / Re: Giving way at a Roundabout

« on: 12 September 2014, 13:00:10 »

quite seriously, my suggestion here is to work with your insurance company - maybe they provide some legal support.
If not then get a quote from a local body shop for the work - or perhaps two quotes.  Write to him explaining that you are demanding payment and that you give him 30 days to settle.  He can of course pass to his insurers if he wishes.  also write to his insurers who have a statutory responsibility to take on the liability.

wait 30 days, chase, wait 15 days more and then threaten court action.  If you get nothing else, issue small claims proceedings.

how do I know this works - 'cos I've just taken on royal and sun alliance the same way and got them to pay out.

remember you have his evidence and witnesses so he'll back down on lose in court.  you just have to fight

118

General Discussion Area / Re: following on

« on: 21 August 2014, 08:40:36 »

oh and to add, if we are talking a period of weeks say up to 8 weeks, the various utilities will send all sorts of crappy letters demanding money but will not take action in that time.  If you also explain the situation then they'll definitely not do anything.  that gives you breathing space to get things sorted

119

General Discussion Area / Re: Any plumbers aboard?

« on: 21 August 2014, 08:37:48 »

All the bottom row of tiles are off.

A "small" problem though, clearly over the years, the plasterboard had gone soft (leaked?) and a fair bit of it has come away with the tiles. What remains doesn't look great in places. Cock.


Somehow I seemed to have cut myself fairly deeply. Pretty certain it wasn't the grinder, so guess it was the edge of a tile...   ...so now its bath time

just cut out the crappy bits and replace with cement based tile backing board - that will take any penetrating damp.  Screw on with plasterboard screws and glue it as well for good measure ( get a tube of grab adhesive).  I wouldn't advise plastering - its not needed and if you have heavy tiles >20kg per sq metre its not recommended anyway

120

General Discussion Area / Re: Who said optimism was dead...

« on: 20 August 2014, 19:06:16 »

Gentlemen

I do fear that we may have missed the point here.  with a 14ft dinghy why on earth point at  the good old USA.  there are plenty of other places to go...  if you want the thrill of crossing the atlantic, why not Canada.  not only is it a bit closer, they do have healthcare and know how to use guns...