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    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
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Can't get monthly car insurance - advice needed please


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Tried to get cheaper insurance today as policy is soon to expire + current provider too expensive, however have found out that I have to pay the premium in full as because of my poor credit rating they will not allow me to pay monthly. I need the car for work, but cannot afford to pay approx £1200 up front.

 

I went onto Confused.com + received my first quote for £730 p.a, I had forgotten to add 2 non fault accidents + so did this, the premium went up by £140, which still we were happy to pay, but then we were told we couldn't pay monthly because of our credit rating. My husband asked why the premium had gone up when both accidents were settled by both 3rd party insurance companies, he was told by AXA ins. company that they were penalising us for people being on the road with no insurance, and so were trying to re-coup their losses.

 

Generally speaking I am very p***ed off by this whole thing, and wanted to know if anyone could advise me as to where I can get some insurance, or if there's anything I could do in this situation.:-x

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Have you thought about arranging cover via a local broker. Some brokers deal with many different companies and not all do credit checks to decide whether you can pay monthly or not.

 

The non fault claims will still be noted as incidents which affect the premium. It is not really about recouping losses from non-Insured drivers, it more about risk assessment. Some people can just be more unlucky than others. My sister appears to be one of them, having a number of accidents within a few years, only one of them being her fault.

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Cover HAS gone up across the board, and even when I've hit my maximum NCD, I'm STILL paying more than I did last year. If a firm refuses you for credit, that remains their decision. Some brokers (face to face, rather than online) will accept post-dated cheques, but limit this to 4 (monthly payments of a quarter of the total) with the total amount being paid in 4 months, this may be a useful compromise.

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