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About colinsunderland

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  1. don't think its a case of anyone being right, just different views would be pretty boring if everyone agreed with everyone else all the time
  2. Must say I'm not sure about that. If someone nicked a tin of baby milk from Tesco 20 years ago because they were skint and the baby was starving, should you not be able to trust her now 20 years later? Also remember, everyone who has a conviction wouldn't have shown up on any check the day before they got caught, you could have 10 staff in a place, one with a record and 9 without, doesn't mean the 9 are honest, just that they haven't been caught. A lot of people pinch stuff because they class it as 'nothing' and if they ever got caught it wouldn't get near a court, doesn't mean they are h
  3. thanks DX any pointers as to where to look and what to do next? i've looked about and can't find much recent. I did notice this Does that mean there must be 2 payments short before a default notice can be issued? He rang them earlier to pay the installment but they refused unless he paid the £12 fee at the same time, so he hasn't yet but the insurance will be cancelled tonight if he doesn't pay so trying to sort it out asap for him thanks for your help
  4. ok, just got a copy of the letter from them, and a bit more information. He rang them on the day the DD was due, now they wouldn't actually take payment as they said the system hadn't updated and it wasn't showing a missed payment. They did however change the direct debit details. He was told to ring back the following week to make the payment which he did do and was then informed about the charges, so he refused to pay there and then while he checked them out. If they had taken payment the day he rang it wouldn't have been late. Obviously all calls to insura
  5. I have never came across a company charging £36 for taking a payment by card rather than direct debit. Not that it makes any difference but he was changing bank accounts and rang them on the day payment was due to make a debit card payment and give new dd details, so he didn't actually 'bounce a payment' and it wouldn't have been late, but they insist he had to pay the extra £36, £12 up front and £24 added to monthly payments. Considering he had to speak to them to change details, and taking the payment over the phone would have added an extra say 2 minutes onto the c
  6. I'll find out later on if it was the first charge or if there have been more, I'm guessing more as the monthly payments seem higher than when they started from what he said. I've searched but can't find other threads regarding this, only regarding cancellation fees. Thanks for your reply
  7. Just a quick question, are the fees swinton charge legal £12 for processing a non direct debit payment and £24 for a bounced direct debit, so £36 in total?
  8. thanks guys will get that sent off this week. In the short term, whats the best way to reduce the amount paid back weekly, is it best to just ring debt management and request a lower payment? Do the DWP make mistakes, what is the plan of action once he gets the SAR back?
  9. is there a thread on how to SAR DWP or is it just teh same as any other company? Thanks for the quick response
  10. A friend of mine was getting income support up until around July last year when his wife hit pension age. She now gets state pension and they get no IS. He claims carers allowance for her, around £60 a week. He has an outstanding overpayment debt with them of around £9000 which he was repaying at £10 a week from his IS, which was around £150 a week. He got a letter about 3 weeks ago stating they are taking £20 a week for the debt from his CA starting third week of December. Firstly, he's not 100% sure what the overpayment was for, he says it was at least 10 years
  11. I agree and I always start with the comparison sites, usually use at least 3, but I always tend to find a pattern emerging, 4 or 5 companies usually give the best 3 quotes across them all. I then use those 4 or 5 to get direct quotes on a clean browser, and re-run them using Topcashback. Last year there wasn't much of a difference but Liverpool Victoria came out about £40 cheaper direct, through topcashback it was only £30 and coppers cheaper, but they were offering £35 cashback do did it that was instead, as the cashback meant an extra £25 over going direct Its a bit of a hassle and ta
  12. I think clearing cookies is quite important too, especially if you clicked on a quote from a comparison site. I've always had cheaper quotes by not going through comparison sites tbh, well certainly over the past 5 years or so. Even using topcashback and going to the insurer direct gets better quotes, obviously thats just me amd others are likely to be different.
  13. It was done online, then I checked over the phone it was recorded correctly
  14. No I haven't read any of the threads, but they were massively cheaper than other companies, I had a non fault accident last year which put my premiums up massively, they were so much lower I actually double checked they had took note of the accident, the next cheapest was about £750 by some company I'd never heard of, then most were about £900, so £250 inc chequeback was massively cheaper. Direct Line were £1900 but they have always been way over the top for me, so have never used them. Lets hope I never have o use hem apart from paying them
  15. FWIW, I recently renewed my car insurance I used Confused, GoCompare and Topcashback Compare. Swinton were the lowest with all 3, each over £500. I went direct to Swinton (after clearing cookies) got a quote for £324 and £75 chequeback. Massively cheaper going direct in my case.
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