Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Could any of you help me?
In June I had a smash which I had to claim for, my fault. They came to pick up my car saying it was a Cat B write off which I disputed (it was a broken headlight - however, to them, it was beyond economical repair) and could I see the Engineers report. I phoned and wrote for weeks but no report. Eventually the said they had lost it in the system but will send me one soon! Meanwhile I phoned the engineer myself. He said he remebered the car and he dfinitely put it down as a Cat C.
We were now into September and I still hadn't heard anything. I cancel my direct debit, as they have now taken two months payment, whilst not informing me of my claim. I phoned them up last week and they have finally heard from the underwriter and I just have to make an amendment to my policy as there was an SP30 offence that they weren't aware of. So, I again phone the broker to declare this, and they say I owe them 3 months worth of payments.
I can't cancel the policy whilst a claim is underway. However they have taken 4 months to pay the claim.
If I had cancelled the policy in June (which I am entitled to do) it would've cost me £55, because it's taken 4 months for them to pay the claim(maybe longer) it's going to cost me £190, then £55 to cancel. All for a £600 - excess claim.
I personally don't think this is fair and the 'Unfair Terms In Consumer Contract Regulations 1999' state that an unfair term in the contract is 'contrary to the requirement of good faith it causes a significant imbalance in the parties rights and obligations under the contract, to the detriment of consumers'.
Car Insurance Cancellation
, as they have now taken two months payment, whilst not informing me of my claim. I phoned them up last week and they have finally heard from the underwriter and I just have to make an amendment
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