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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Car insurance doubled after repair


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My car insurance is Fully Comprehensive and full no claims bonus protected.

 

It was recently damaged by someone unknown who hit the back end while parked, then drove off unseen.

The bumper did its job and took the impact but was cracked beyond repair.

 

The insurance company arranged repairs without any problems.

 

My renewal has just been received which is almost twice last years amount.

When I called to point out my level of cover and that I didn't expect an increase, they said a loading had been applied.

When they said that it was necessary to cover repair costs as there was no third party for them to claim from, I asked about the 10 years plus when I've paid premiums amounting to thousands of pounds without any claim ........ there was no reply.

 

Repair costs were given on renewal letter as £400, I'm not sure if that includes the £100 excess I paid.

It seems they are in a 'can't lose' business. Their risk certainly isn't increased because someone hit my parked car.

 

Does this loading stay in place until they have recovered all costs?

 

Had I known this would happen, I would've had a new bumper fitted by my local garage for around £200 but I thought that was what I was paying insurance for ......... silly me.

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As you have found, making a claim on your policy, even with no claims discount protection, can cost you. The Insurers will have applied a loading to the gross premium, which will probably stay on there for 3 years, but should reduce at each renewal. After the 3 years, if you stayed with them, they would have claimed the cost of the claim back from YOU.

 

Not all Insurers will increase the premium in these circumstances to the same extent, so it is worth shopping around. I had a claim many years ago with Direct Line and I cannot remember them penalising me this much. But times have changed. Very few motor Insurers, actually make any profit, as the number and value of claims has significantly increased over the last 10 years.

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I can't offer any advice about the premium figs etc. If you have lost ncb or wanted to retain a free claims history you can ask the insurer if you can reimburse the repair costs, not sure if this will be cheaper than the premium increase over the next couple of years.

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Tell them where to go and get your insurance somewhere else, cheaper.

Friend of mine had similar experience, Insurance went up by £280 from previous year and this

was without any claims been made.

Shopped around and found cheaper insurance by £350, Insurance company loss for been greedy.

 

George

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That may be so but could still be cheaper than double what you were paying.

Have you checked any quotes from anywhere else yet even with your claim it could still be lower.

 

Same old story again Banks,Insurance,Credit Cards all taking the p to good customers who have

been good paying customers for years.

 

I was a Halifax customer for over 5 years and not once did they offer me any good services, overdraft

etc and even had the cheek to charge £38 for a £2 failed debit.

New bank account now with overdraft, cheque book card and £5 fees for anything failed.

By the way its a Natwest Bank Account.

 

You never know whats better until you look.

 

George

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Thanks for all your comments.

 

Not all Insurers will increase the premium in these circumstances to the same extent, so it is worth shopping around. I had a claim many years ago with Direct Line and I cannot remember them penalising me this much. But times have changed. Very few motor Insurers, actually make any profit, as the number and value of claims has significantly increased over the last 10 years.

 

The range of alternative quotes is staggering, varying by £3,000 for a similar level of cover.

Unfortunately, the lowest so far is around renewal quote, so it looks like I'll have to reluctantly accept it.

 

It is particularly annoying that I'm subsidising claims which had nothing to do with me as they've obviously made huge profits on my premiums.

It really should be based on my circumstances and history.

 

The way it is now, I pay for the policy and if any claim is made it's recovered from a third party or me.

At a low average of £400 per year, over 10 years I've paid £4,000, without any outlay by them.

When I'm clearly not to blame, I'd expect a little bit of that back.

Where is their risk?

 

Claims information is shared amongst insurers and not declaring would make any policy void.

They really have it sewn up between them.

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