I'll find out. What is Payment protection. What does it do. thanks

Hi I am after some advice and a letter template. My friend has a car on Finance which he got in 2008. He has been made redundent and rather than give the car back he wants to pay off his finance and keep the car. Is there a template letter which he can use to send to the finance company as one of his friend has said that if you do this the finance comapny will reduce the amount and hence you will save a few ££. Can someone please give some advice on this and will the finance reduce the total amount or not and also could someone please point me in the direction of a letter template to send. thanks

Hi, His friend (B) was driving as a third party extension. He has the finance documents but gave the rest to friend B as he said the insurance assessor requires the documnets to look at. So friend B sold the car with the documents and my friend A did not know anything until he saw it advertised. If he reports it as stolen & tell the finance company would he still have to carry on paying for the car until it is resolved and at the moment my friend A is currently paying for the car he does not have. I did say to him that report it to the police the your friend B SOLD your car without your knowledge and also tell the finace comapny, but he is a bit worried what they may say. Thanks

Hi, I don't know if this is the right place for this but here it goes. This is for a friend who does not have internet access and I have been asked to get abit of advice for him. The car is purchased on HP. Now the car is on his name and so is the finance (my Friend), his friend who was insured to drive his car was involved in an accident, the police were called etc. Now his friend did say that he would pay for the payments as he was driving the car when the accident occurred. The insurance company are investigating the accident. Now his friend who had the accident can no longer pay or is not paying the installments as agreed verbally with some witnesses. Also his friend who had the accident took all the paperwork and keys as he said the insurance companies investigator wanted to look at all the documents for the car. His friend has sold the car without the knowledge of my friend who only found out when he say it advertised on Ebay. The car is now SOLD and my friend has no car and is currently paying for a car which he no longer has. His question is that he has not told the finace company the car was SOLD without his knowledge or the Police as his friend said he would pay for the car but is no longer doing. What can my friend do, Does he still have to pay the finace for the car he no longer has. What can he do legally to his friend who had the accident so the finace is on him. Thanks for looking and advice welcome.

Hi No I am not a trader but when i was looking for a 4x4 one of my mates saw it on a trade website £1500 cheaper than on the forcourt. We bought it under his garage name but I paid for it through a TT (same day transfer from my account). the 4x4 is for the wife Hope it's clear.

Hi, the 4x4 was bought as a trade sale and not a private sale on the forecourt. On the invoice the garage put no Warranty given or implyed because it was a trade sale. thanks

Thank you for the replies. I have sent a letter to them stating that they sold a faulty car and it needs to be repaired. As soon as I get a reply I will post the response. Thanks again

Non Issue

Thanks When I rung them on Friday last week the technical dept did say that we have recieved both letters, verbally over the phone, but nothing in the post When ever I have rung them I made a note of the time and names. The insurace company is Provident. Thanks

Hi I need abit of advice regarding the length of time taking to deal with a claim. I was involved in a accident on 26th Jan 09. What happened was I turned left onto a road and a car came towards me I swereved away from the on comming car and hit a parked car. I am fully Comp with legal cover and I am doing all the running around e.g phoning them and writing to them. Now a few weeks later i was told my car was a write off and a figure was agreed after I sent in docuents to prove it was well looked after with full service. Then I was told the payment will be release once it's been signed by the supervisor, then a few days later i phoned again and was told the manager will sign it and then the cheque will be released. Then in March I was told the investigator was going to come to interview me. He came and went now last week i phoned and was told the report was back and the assor will look at it and let me know. Is this standard practace where I have to ring for an update and the only time the insurance wrote to me was to ask for all my documents for the car V5, MOT. I have wrote to them telling them that they are taking too long and asked for a quick response two weeks ago and still nothing in the post. What to do next, I have also mentioned the FSA and the Ombudsman. Please help

Hi just to clarify this.So do you have to pay up until Oct 09 then or can you tell ask them for a refund.

Thanks I will pass the mesage on. Lula - Can you please explain you message I don't know what you mean. Ash

Hi I have got a question about how to clear you credit rating. My brother had a mis-understanding with a company where they said to pay for an service and he was not happy with the service so he cancelled his DD with them. They in turn threaterend to take him to court I think it was for about £50.00. Once all this was settled and the companies service that was promised was delivered my brother payed off the DD, the company wrote to me brother that no action is going to be taken. Now he thought this was the end of it, until last week when he was going to buy a car on HP and it came up as a bad credit rating due to this. The question is when this issue has been dealt with and he has conformation that it's been closed and the third party is happy why does it keep coming up. How can he clear his name from the blacklist. Thanks

Hi all an update The Loss adjuster came this morning and we gave him a list of all the stuff that was taken and also either boxes or reciepts of the stuff. As this was the first time this has happened he asked us have we told the police about the items, We said no as the police rung late on Thurs and gave us the crime ref No. and said the SOCO will not come as they are busy. They did not ask us to give them a list The loss adjuster rung on friday to say make a list for me for today(tues), which we did he also said we have to also ring the police and tell them about the items taken,which I will do when I get home tonight. Also I told him that the insurance operator said to me your door is not covered so I had to ring another builder to come and board it up. But the loss adjuster said we are covered. Why did the operator tell us we are not covered for the door and also is it the duty of the insurance comapny to give advise on what to do, as the loss adjuster told us about the list for the items and not the insurance company. Now he has gone away and said he will ring the police and get back to us. What happens next thanks

Hi thanks for the replys, wino I have added you plama TV and a dimond necklase on top of the list. 10110001 Got some reciepts but some of the stuff I won't have reciept for, what happens then. thanks