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    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
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Big problem with car insurance claim


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On 12th May this year someone bumped into the back of my car while I was waiting at a junction. The lady in question admitted fault. The car went to a garage and unfortunately I was told that the car wasn't worth the amount of money it was going to cost for the repair. The insurance company decided to get a second opinion from another garage and again, it wasn't economically viable for repair.

 

To cut a long story short they offered me an X amount of money for the car and I accepted this offer. I was told I would be sent a cheque and I sent my log book, MOT certificate and service history records off to the insurance company as they suggested. They came and took my car away too. A couple of week's passed and I still hadn't received a cheque so I decided to get in touch with the insurance company again, which has been a right inconvenience as I am always kept on hold on the phone). Anyway, I eventually got through and was told that the reason that my cheque had been held up was because they ran a check on the car and apparently it had come back as having existing finance owed on it. Well you can imagine I was mortified. I bought the car with cash from a man that deals in cars.

 

I just wondered where I stood in this situation. I now have no car and no money to buy one. Do the insurance company have a legal obligation to compensate me. I know that the pay out will be coming from the third party's insurance, but does this mean I have no come back. Anyone out there had a similar experience that could advise me. I was driving the car round and never knew about any outstanding finance until this insurance claim.

 

Many thanks in advance

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have you checked this information is correct with a motor checking co; HPI or similar?

The finance co owns the car so it is them that will get the money!

you will have to get your money back from the dealer that sold it to you, court action if necessary.

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Thanks for the info raydetinu. Insurance been in touch with me today and apologised saying that it had been a mistake and that finance wasn't owed on it. All that worry and stress for nothing.

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