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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

tobyjugg2

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Everything posted by tobyjugg2

  1. tobyjugg2
    Did you try moneysaving at all? A number of quotes on moneysaving were far cheaper than any on gocompare or the meerkat for me. The latter two were much the same.
  2. tobyjugg2
    It seems a little unclear to me who you are dealing with James. HD? or Albany on HD's behalf? From the other folks experiences with no fault accidents under HD (managed by Albany) reported here and elsewhere, it would seem it *might* be worth your contacting the other parties insurance directly and considering dropping Hastings/Albany out of the picture as much as possible if the contact goes well. I know that you are probably like me and think that when you pay for fully comp insurance you shouldn't have to deal with this sort of crap, but it would seem with HD a personal approach to the other insurer should be considered.
  3. tobyjugg2
    Rather rich given that HD reduce their customers over 10 years NCD on a regular basis per reports here and all over.
  4. tobyjugg2
    Thank you for those clear responses
  5. tobyjugg2
    Thank you for that response. From reports here, it would appear that at least some of your contact representatives are misrepresenting your organisations relationship with Hastings on contacting Hastings customers. Are you addressing this issue? Can you also confirm whether there is a choice in using you, or whether Hastings uses you exclusively in any circumstances? And from Hastings (despite what they reportedly claimed in the first post in this thread) http://www.hastingsdirect.com/car-insurance/accident-etiquette.html Making a claim The main priority is to settle the claim and repair the vehicle. If you were not at fault for the accident then your insurance company will try to retrieve the costs from those responsible. If that proves successful then your no claims discount will not be affected.
  6. tobyjugg2
    So you do have a formal relationship with Hastings, rather than Hastings simply selling you their customers information, and you ARE a representative of Hastings despite your contacts first words to customers reported claiming you are nothing to do with Hastings?
  7. tobyjugg2
    It should not include generic "we will pass your data on to third parties", it usually does say something like we may notify you of other services you may be interested in from selected partners if you have notified us this is OK, they do and should include 'used for fraud prevention etc Lets not forget Albany would seem to be saying that they have nothing to do with HD, yet HD would appear to be telling customers they have to use Albany. There would perhaps seem to be some potentially regulation breaches there at the least. Beware the difference between approved 3rd parties eg approved repairers, paid for insurance add-ons to policies, and an insurer not just fobbing you off when they get away with it, but breaching data regulations and duties. I still want to know what is Hastings official stance regarding Official statement of their Relationship with Albany given the contradictory statements reported by customers The disclosure of customer confidential data to an external company I'm building up to an ICO complaint, or worse - trying to get it on a TV program.
  8. tobyjugg2
    If I only used the meerkat comparison site, I would probably be able to get cheaper direct quotes somewhere, but using multiple comparison sites has always been the best options from what I have experienced. Even the 'beat any quote (by a penny)' direct companiesc would not go anywhere like as low without the comparison sites driving the competition up and the prices down. There will always be exceptions, but consider how many sites you could realistically ring and how many you would miss without the comparison sites. You can be certain those exceptional deals would not be there, or findable without the higher competition. I remember the days when you used to ring around a dozen companies to get quotes, and then 3 months after you had bought one, hearing someone say they got a better deal elsewhere, which wasn't there next time your renewal came up. Even with the fiddling going on, I have absolutely zero doubts that getting good insurance quotes is far easier and better since multiple comparison sites started up.
  9. tobyjugg2
    Congratulations, Thats got to be the widest % margin I have ever seen between a cheapest and the next cheapest for car insurance based on them all having the same information. I thought my recent 40% difference between the (poor) best on the meerkat and the best on moneysaving (although there were lots of others near the price on moneysaving) was epic. You hammered it.
  10. tobyjugg2
    [/url]unclebulgaria67 Just be careful with that standard windows install as you can easily overwrite the ASUS recovery partition in doing a standard install permanently losing it.
  11. tobyjugg2
    My entire point is that you should NOT ever have any information about me from Hastings without my express permission, and I would not willingly have any relationship whatsoever with a company with your reputation. Or were you just trying to squeeze some income from your 0844 number, or generate some extra twitter followers? While you are here please confirm under what circumstances and agreements Hastings divulges Hastings customers' confidential personal information to you, an external company?
  12. tobyjugg2
    Not doubting you in any way but if I were you I would very carefully check my policy and ensure all the details, including the accident have been properly registered. 1/3 the price of everyone else really does sound too good to be true (not doubting you), but just make sure that the swinton saleperson hasn't misrepresented you to get a sale. They will of course blame you if that is the case and consider the insurance void if it does come out after an accident. It may be a very impressive new customer discount, but its worth checking for your own peace of mind.
  13. tobyjugg2
    Excellent in your case. I also tried swinton and direct line, neither of whom were competitive although both said if i told them what my best quote was they would beat it. Direct Line reluctantly did by a penny, Swinton pretty much insinuated I was lying. Have you read the Swinton threads? (I did have a Norwich Union motorcycle rider policy through Swinton for a long time many many years ago, and have had house insurance through them for 1 year which I moved when the policy renewal doubled at the end of the first year for no apparent reason)
  14. tobyjugg2
    or just reinstall windows. Windows does get bloated with crap as time goes by - installed by the user (unknowingly often) and often comes preinstalled with loads of bloatware Ubuntu installs (yes I use it) doesn't get all the same crap installed on it as windows installs do. If it did, it would be the same. Have have an ubuntu server and a stripped down xp server doing similar tasks and there is little to choose between them except the ubuntu will run longer without a simple reboot vs the xp is easier to manage but benefits from being rebooted every few weeks as apposed to every few months.. But then again the xp has quite a bit more installed on it above the base stuff required LOL.
  15. tobyjugg2
    Oh dear http://answers.microsoft.com/en-us/windows/forum/windows_vista-windows_programs/uninstall-pc-health-boost/f7d5d92c-6e8c-4e88-b515-457ad4371aa6 If you cant get f* to work, either you have spilled something on your KB and 'broke it, or you simply aren't doing the F8 or F2 'dance correctly, or you aren't completely powering off the machine - Remove the power supply and take the battery out to ensure it is OFF not asleep. If you can get to windows, as it seems you can, then download and run malwarebytes anti-malware free version. Here: http://www.malwarebytes.org/mwb-download/confirm/ The f9 'dance' safe mode without tap
  16. tobyjugg2
    Now I've thought about it a little more, the "2. If your Bank Account is closed or converted to another account type, we'll remove all the Bank Account benefits on the date of closure." seems to be a window for them to get rid of older accounts with better T&C/ rates without asking too. The MAY notify is perhaps up for interpretation, but that they will do this without positive agreement is still setting what seems dangerous and very undesirable precedent to me
  17. tobyjugg2
    "and they require you to ask not to have your account changed - difficult if you don't get the notification or they choose not to let you know.." 1. We may give you thirty days' notice that you meet the eligibility criteria for, and we're going to convert your account to either our HSBC Premier Bank Account or HSBC Advance Bank Account. NOT we WILL Anyway, do you REALLY want a bank to be able to change your bank account, and hence your agreements with them, without your agreeing, and potentially without even a requirement for them to let you know?
  18. tobyjugg2
    "We've added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria. " HSBC sent me their latest - we are changing your terms and conditions mess and I spotted that they are stating that they now claim the right to change you bank account type (without your request or acceptance) if you meet the requirements for some other bank account type. It seems they want to start moving people from simple free bank accounts to what could be charged accounts (premier etc) if you happen to meet the requirements set to allow that account. Now you could meet those requirements for a few months, they change you too that account, then your circumstances change (eg less than the minimum required transfer in each month) and you will then be in a monthly charge account without ever agreeing or requesting that change. In the details they do say that they MAY notify you if they have your correct contact information, but would appear to be attempting to avoid any obligation to have confirmed you have been notified, let alone agree and they require you to ask not to have your account changed - difficult if you don't get the notification or they choose not to let you know.. It seems rather insideus at the moment, and what is the next change to T&C building on getting away with this? " Bank Account terms and conditions 1. We may give you thirty days' notice that you meet the eligibility criteria for, and we're going to convert your account to either our HSBC Premier Bank Account or HSBC Advance Bank Account. You can ask us not to convert your account if you want to keep your existing one. 2. If your Bank Account is closed or converted to another account type, we'll remove all the Bank Account benefits on the date of closure. "
  19. tobyjugg2
    which is very different to your initial statement which I quoted and IS absolutely INCORRECT as I stated. It is NOT better NOT to use comparison sites, Thanks for the link Ford, Shame that its just political grandstanding (is there any other form of politics other than take the money and quietly look after those who pay you)
  20. tobyjugg2
    if you f2 to bios and choose load default settings, then save and exit, what happens? If it loses them again after manually selecting - reset to defaults and saving on exit, then the cmos/bios battery is dead F8 is a windows feature so has nothing to do with the cmos and should work whatever unless the windows install itself has been compromised. (or your keyboard isn't working right) So : power off machine. Power on - immediately tapping f8 if you get the blank screen and the machine appears paused, then tap the arrow down key once, then enter. machine should start in safe mode
  21. tobyjugg2
    F9/F8 should be tapped as soon as you physically power on the machin, leave it a second too late and it won.t work. Both of these should at least initially display in default vga so should work even if the drivers are kaput.
  22. tobyjugg2
    It is possible, that the bios has lost some of the information on the video chipset, which could happen when the bios battery is low or removed - so you could be making matters worse so the OS (windows) if you remove the cmos/bios battery. This results in the OS not being able to properly identify the chipset and allocate drivers. Manually force installing the wrong drivers can do the same. Bios battery issues are also caused in laptops by the main battery being allowed to run totally flat, perhaps by being left for some time uncharged. First have you backed up all the data you do not wish to lose? Secondly: Do you have access to ASer recovery via f9? or have you made the windows installation discs from the recovery options? regards TJ
  23. tobyjugg2
    I have seen it as quite common for a dispensing chemist to offer a cheaper alternative to a prescription item. This is not substitution as such as the prescription is then discarded and the item bought and used as prescribed. For example Although getting neurophen on prescription is fine for those who get free prescriptions, the chemist offering a generic ibuprofen at under a pound is a great boon for those of us who pay for prescriptions who would otherwise pay over £7 for the item.
  24. tobyjugg2
    Need to be careful about that. Its nearer aspirin than a paracetamol. Both ibuprofen and aspirin are non-steroidal anti-inflammatory drugs.
  25. tobyjugg2
    start windows in safe mode and clear out all the rubbish that starts with it (msconfig), restart again in safe mode and run the free malwarebytes anti-malware in safe mode. There are guides on the windows 7 forums to do this heres an example : http://www.howtogeek.com/74523/how-to-disable-startup-programs-in-windows/ Your description of the issue leads me to favour that the issue is some crap starting up with windows.

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