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    • If Labour are elected I hope they go after everyone who made huge amounts of money out of this, by loading the company with debt. The sad thing is that some pension schemes, including the universities one, USS, will lose money along with customers.
    • What's the reason for not wanting a smart meter? Personally I'm saving a pile on a tariff only available with one. Today electricity is 17.17p/kWh. If the meter is truly past its certification date the supplier is obliged to replace it. If you refuse to allow this then eventually they'll get warrant and do so by force. Certified life varies between models and generations, some only 10 or 15 years, some older types as long as 40 years or maybe even more. Your meter should have its certified start date marked somewhere so if you doubt the supplier you can look up the certified life and cross check.
    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
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Just searched through Confused.com


EdinburghKev
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Thanks

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Forgive me if I am posting out out of turn and feel free to remove this post if it is against the rules.

 

I have just searched for car insurance through confused.com and I have to say the site is brilliant.

 

Our main family cars insurance was £310 with Norwich Union and through Confused.com I have got loads of quotes for less than that, the best is £190 with Admiral.

 

Our second old car insurance is over £350 with Norwich Union and Confused.com quoted £144 for this with the Post Office.

 

I tend to keep away from sites like this but I have saved over £340 just by checking.

 

Hope this is of help to someone. p.s I don't work for them.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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I found the best deal for one of my cars from Admiral and the second car with the Post Office. I actually thought that if I had both cars insured with one company I would save but that was not the case for me. Norwich Union Direct turned out to be an expensive insurer, I am just glad I checked what I could save.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Another good site to use to compare quotes is Insure Supermarket

 

Similar to Confused but seems to bring back more results. I would suggest searching both sites when shopping around.

 

When you've found the best quote, try going directly to that insurer's website - you may be able to get an even better quote still.

 

For example, with the above sites previously I found the best quote for myself was with Post Office. I then went on the Post Office website and found a slightly better price, plus they were offering £50 cashback. I then read through some further details and found that the insurance was provided through Zurich, so contacted Zurich and got a better price still even taking the cashback into account.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for the advice, I'll get back online and check.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Share on other sites

I work in Insurance, and not trying to put anyone off but when checking around always check the excess levels. I was informed by an advisor that NU Direct recently cancelled any link with InsureSupermarket motor quotes because they were obtaining quotes with 2 excess levels but under same quote reference.

 

Its also worth checking what any 'scrape' site includes. Many don't include courtesy car, protected no claims, or legal cover. These 'scrape' sites (confused.com & insuresupermarket) obtain your info then just get basic prices for you but with varying excess. (Normally you find the cheaper price but high excess at the top, but most people see a price and dont look at the cover)

 

Also, If a price is good, check what it will cost you during the policy term. Most brokers will add extra fee's for admin. This could be for duplicate certificates/paperwork, changing your details or missing a payment. It can vary from £10 to £25 a time!

 

I wont go into blowing my trumpet but most direct companies will only charge you if there is a change to rating factors ie: Changing Car, or Address or Cover.

Finally, see if the online price is the same if you called up to accept it. There are some that penalise you for paying over the phone for an online quote. Lets face it, this may be 2006 but not everyone likes transmitting card details online.

 

At the end of the day, go for what you can afford but making sure you have the cover you need.

:roll:

 

Its when you claim that you find how good your insurance company is !

:shock:

  • Confused 1

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

------------------------------------------------------------------------------

Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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Thanks Benjee, I am going to read all the small print.

---------------------------------------------------

Halifax - Email sent for Data Protection Act - 25/04/06

Bank Statments arrived from CR - 27/04/06

Request for repayment sent rec delivery - 03/05/06

Offer of £750 from the Halifax - declined 15/05/06

Letter from the Halifax saying they will not pay more - 16/06/06

First Claim filed with the Small Claims Court 22/06/06

Owed: £2520

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Blimey what a rip off, just thought I would check confused.com myself and EEEEEEEEEEEK! :o

 

Cheapest quote was just shy of £600 and most expensive was just short of £900

 

Anyone care to guess what we pay currently through NU???

 

£280 nice to know you are currently getting the best deal, for us NU has consistently been cheap with the only other company getting close being CIS who we initially went with but then screwed us about we told them to naff off and went with NU who have been brilliant even when we had to claim when some numpty on a motorbike decided he would be clever and try to turn left on a roundabout from the right hand lane and destroyed the front of our car (called police he got done for dangerous driving AND prosecuted for the state of his bike, idiot!) so cant fault them and have just renewed again.

 

On a side note it doesnt matter what car we put in it always seems to be around £300

 

citroen ZX 1400 (worth £250) £269

Volvo 2.0 Turbo (worth £1000) £280

Fiat Marea 1.8 ELX Weekender (worth £2000) £280

Volvo 960 CD 3.0 auto 24v (worth £2000) £289

 

Weird isnt it?

 

Oh another thing about NU they dont care whether named drivers have a full licence of not you just have to tell them how long they have had it, I was shocked so called them (no details for prov on website) and had it confirmed that they dont care about that, so anyone looking to at a later date teach their kids to drive go to NU they dont charge extra for people on prov licences!

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