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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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Car Insurance renewal


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Well, it's that time of year again :-(

 

Car insurance renewal came through the post at £414.23. And that's with 5 years NCD :evil: (wanders off muttering about money for old rope etc)

 

Had a look at the Meerkat and on You're So...

 

Found a policy for exactly the same cover with the RAC (as broker) for £310. Insured by the same company that wanted over £100 a year more!

 

My current provider had flatly refused to budge on their renewal quote. You really couldn't make it up sometimes (unless you work in insurance it seems).

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Same happened to me last month DF....found the same insurer same offer exact cover through Confused...went on live chat to the insurer they told me to cancel auto renewal and take the on line offer....£150 cheaper as an existing customer.....who is ripping who off :-)

 

Andy

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My insurance went down at the last renewal, only by a few quid in just under £300 but still in the right direction. Have to wonder if it might be because I make it very clear year on year that they do not have continuous authority and therefore no auto renewal. I still get a succession of renewal notices, in plenty of time and with an ever increasing sense of urgency (panic?) - by post on real paper delivered to my door so there's no 'forgetting' to renew.

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I thought it was now a legal requirement to have auto renewal on car insurance?

 

No. It's not a legal requirement, that's just how the insurance industry have chosen to interpret it, probably hoping that they can swing a lot of dubiously inflated renewal prices in under the radar of any unwary customers. (As if they'd do such an underhand thing :razz:)

 

The legal requirement is that a vehicle must be insured ( continuous insurance ) or declared SORN. So there's no just not taxing it and parking it up in your garage anymore. It's either insured (and taxed) or SORN'd.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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For the first time in many years my insurance due this month has reduced albeit by just a few pounds and this is on auto renewal.

 

Have you done a search on one of the above websites just to check what they offer new customers ?

We could do with some help from you.

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Is auto-renewal legal?

 

Auto-renewal is perfectly legal as long as the insurer communicates this with you. Before you take out a policy, the insurer should clearly ask you whether you want to opt-in to auto-renewal.

 

If you decide to opt-out, your insurer shouldn’t automatically renew your policy, but they may contact you asking you whether you would like to. All policies that are set up to automatically renew will do so unless the customer contacts the insurer to cancel.

 

And if you didn’t know your policy auto-renews and you took out another insurance policy, you would find yourself with two separate policies. Not only is this expensive but it can also make things complicated if you come to claim.

 

According to the Financial Ombudsman Service (FOS), it’s easy to misunderstand insurance auto-renewal. Typical complaints include customers who thought their policy would renew automatically only to discover it hasn't, and drivers who didn’t update their insurer about a change in circumstances before renewing.

 

You should contact your insurer if you're unsure of the auto-renewal process.

 

https://www.thinkmoney.co.uk/news-advice/insurance-automatic-renewal-is-it-legal-0-8477-0.htm

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Didnt like my renewal quote so went to a comparison site and got a deal for 3100 less with my existing insurer and they accepted my business. in the past insurers have refused to accept the business but it has always been cheaper to go away for a year and then you are a "brand new customer" again.

 

One thing I do wonder about though is why is my insurance still a lot more than when I bought a new shiny car now it is 9 years old and I have a lot more experience at driving it without smashing into anything else?

Edited by Andyorch
Paras
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Im sure you already know the answer EB without me typing it out here :-D

We could do with some help from you.

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of course but why does one not get a nice new car from the insurance claim as that is what you have paid for over the years? Could there be something amiss in this perfidious Albion that is the insurance world?

Im sure you already know the answer EB without me typing it out here :-D
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