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    • If you do get a letter of Claim and or Pre Action Protocol pack 15. Where there has been non-compliance with a pre-action protocol or this Practice Direction, the court may order that (a) the parties are relieved of the obligation to comply or further comply with the pre-action protocol or this Practice Direction; (b) the proceedings are stayed while particular steps are taken to comply with the pre-action protocol or this Practice Direction; (c) sanctions are to be applied. 16. The court will consider the effect of any non-compliance when deciding whether to impose any sanctions which may include— (a) an order that the party at fault pays the costs of the proceedings, or part of the costs of the other party or parties; (b) an order that the party at fault pay those costs on an indemnity basis; (c) if the party at fault is a claimant who has been awarded a sum of money, an order depriving that party of interest on that sum for a specified period, and/or awarding interest at a lower rate than would otherwise have been awarded; (d) if the party at fault is a defendant, and the claimant has been awarded a sum of money, an order awarding interest on that sum for a specified period at a higher rate, (not exceeding 10% above base rate), than the rate which would otherwise have been awarded. https://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct   .
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Thanks all! My wife was driving at the time (took our daughter to get new school uniform) and I wasn't there so I'm not sure what the signage was actually like, but yes, Parkopedia says 2:30, so it's barely over that. I will check it out with her when she gets home later, I haven't even told her about this yet as she'll probably be quite upset. So - likely my best response at this stage is to just wait it out until a Letter Before Claim arrives?
    • check mcol does it state DQ N180 sent to you? if it does then: https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5088148 3 copies yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket) 1 wit you Suitability for determination without a hearing? no (that the issues are so complex they need to be argued orally') the rest is obv 1 to the court 1 to their sols (omit phone/sig/email) if no sols send to claimant 1 for your file   dx
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Life Cover Needed?


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Two years ago I took out a graduate loan with HSBC

 

One condition of me having the loan was taking out life cover, also with HSBC.

 

As my loan was only £5k I took the minimum lever of cover possible which is for a £30K payout, paying £7 pcm.

 

I have just paid the loan off - do I still need the life cover?

 

I don't own my home and have no other debts apart from a £1k credit card and a £1k o/d which I am paying off.

 

I have some sort of cover through work which pays out on my death to my partner.

 

I am not very clued up on these particular financial products and wonder if I should cancel the lifecover now the loan is paid off?

 

PS I don't have any kids, rent a shared house with two friends and my partner. We don't have any joint debts, but our names are on all the household bills. Hope this helps.

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Yes this is what I think.

 

And my debts are going down and not up, only £2k at present.

 

I might cancel the policy and re-start it if/when I get a mortgage or kiddies.

 

My only concern is there is a history of cancer in the family and my HSBC cover also pays out in the event of critical illness - but does this mean terminal?

 

Any other suggestions?

Co-op - £128 settled in full, June '06

First Direct - £125 settled in full, July '06

Barclays - offer made, Dec '06.

First Direct part deux - charges refunded in full, Oct '06, threatened to close a/c in Nov '06, letter dispatched to head man.

Student Loan Company - £25 of charges refunded, Nov '06.

 

Mr Princess

Lloyds - LBA dispatched, Oct '06

MBNA - LBA dispatched, Nov '06

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The words critical and terminal are very different in terms of insurance policies. They should be explained in the terms and conditions that you got when you signed up for the insurance. Each company have their own rules. It would be worth checking this out with HSBC. It would also be worth checking if you had to declare the family history when you originally filled the form in. They may have accepted you when today some companies wouldn't.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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I only took the life cover out two years ago, and I remember they did check and run it past the underwriters or medical types and I was passed fine.

 

Was only 25 at the time so considered low risk for cancer etc.

Co-op - £128 settled in full, June '06

First Direct - £125 settled in full, July '06

Barclays - offer made, Dec '06.

First Direct part deux - charges refunded in full, Oct '06, threatened to close a/c in Nov '06, letter dispatched to head man.

Student Loan Company - £25 of charges refunded, Nov '06.

 

Mr Princess

Lloyds - LBA dispatched, Oct '06

MBNA - LBA dispatched, Nov '06

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