HI, again...

Can a insurance firm legally withhold proof of no claims?

My new insurer is wanting my proof of new claims but my previous insurer is refusing to send to either me or them as they say i owe them money due to cancelling early.

So again, if i do them owe them money, does this give them a legal right to withhold the proof i need, refusal to give me it is basically stopping me getting insurance.

Any help appreciated....

can nobody help with this then?

Have tried to google the info but not a clue where to find it

Hi.

Not sure if this is the right place for this. if not could it be moved or can i be redirected

Does anybody know what the maximum amount of time, legally, a bank can hold monies from a Will and Testament once the release papers have been signed and returned?

Thanks for any information you can provide.

Hi,

Apologies if this is the wrong place to post this, but couldnt see anywhere else.....

I would like to know if i am eligible for a tax rebate.

I was sacked after 6 months of the last tax year, so obviously only earned half of what was my projected income, so i was paying income tax based on my yearly income but only earned half of that so from there i would be eligible but....

After my sacking i received compensation, would this affect a possible rebate or is that treated as separate as i was told that i did not have to pay tax on that money, just the part of it which was classed as my notice period, which i did.

I have also been on JSA since my sacking in August, would that affect a possible rebate?

Any help much appreciated

Hi.

Lost my tax disc yesterday (sunday) so couldnt go to post office and get the V20 form as it doesn't open, had to go in to town and park up, unfortunately whilst i was away police must have seen no tax disc and left a leaflet on my car saying they have contacted the DVLA for action to be taken.

Any idea how much the fine is likely to be?

Cheers

Possible it could be an unpaid store card as the debt letter mentions GE Capital Global Consumer Finance Ltd as the creditor

Im not aware of a specific debt and have no details, she does owe certain things from around 6 years ago but it doesnt state what this debt is for, could possibly be a mobile phone bill...no idea though.

Firstly calm down and make your missus a cuppa, what does the letter acctually say? have you no idea what it is for? have you had letters before this recent one? and have you ignored any comms from them?

I have no idea what they are for nor does she but its no doubt something she owes.

She has had previous letter from them which have all been ignored.

Letter states in summary...

Account with Aktiv Kapital for £427.76 remain outstanding, consequence of failure to contact us and agree a resolution to this matter, we must advise that no other option but personal visitation by a debt investigation officer to your home in order to discuss and agree repayment of debt.

If address details are incorrect or if there is a good time for our officer to call, give us a call immediately on ...........

thats it in summary...

My missus is getting letter from this lot, saying they have no alternative but to send someone out.

Im not sure what the debt is for but she doesnt want to speak to them at all.

i take it these are noting to do with council tax debts etc so have no right to send anybody out to the house?

just rang a local solicitor, receptionist took some very brief details and sed i will get a call tomorrow, do all solicitors deal with cases requiring legal aid?

As i am now unemployed i think i qualify for legal aid.

The fact they are trying to compromise suggests they are uncomfortable.

Thats how i am taking the 'offer' if thats what you can call it.

Im back.

Offered a compromise agreement, what does that suggest?

Its got to be a possibility as no doubt they will also be looking for answers and help on subjects, and this forum does pop up a lot on google suggestions....and my user name is hardly encrypted ....

Will post more after tomorrows meeting....

Suppose they are the 3 options now.

Sacked, Reinstated or pay off, i will not be agreeing to either of the last 2 without taking my time to asses what is on offer (like if the reinstatement includes a written warning).

Ive re read thru the thread myself and made alterations to a few posts, dont want anything that could be taken the wrong way shud a member of the HR staff happen to stumble onto this site, which i suppose is possible.

Just a matter of seeing what happens then.

Like i say, im taking someone in with me despite being told its not needed, bit baffled by it now, just assumed a letter would be in the mail in the next day or so....

Can they start asking me new questions without officially informing me of what i am walking in to?

The appeal ended, surely they cant use any thing outside of that appeal and the original hearing to base there decision on?

Ive already arranged for sum1 to come with me anyway, really expetced to just get a letter

Had my appeal friday, went as well as it could, anyway, Got a call today asking me to go in and see them tomorrow.

I asked would i need a rep and was told no but it was up to me.

Must admit thought i wud just get a letter informing me decision stands and i was sacked...be a bit ****ed if i travel 30 odd miles and am told ya still sacked.

Anyone know if its normally a letter sent or if it has to be done face to face....

Excellent. appreciate your help.

Its the Managing director and head of HR who are conducting the appeal, the HR rep is represetning the company it states on my letter.

take them to task on the lack of process / protocol and inconsistencies in what they have....

All i can discuss is what i said in my appeal letter

 

Did they put this in their letter?

Yes, it says if i want to add anything further i had to let them know in writing prior to the appeal, just wondering if they have to adhere to this as well.

none of the documentation they sent is relevant really.

Yes.

None of which is relevant though, they sent me trading priciples that apply to shop staff (cashiers) not senior traders like me, they sent me no documentation that illustrates if shop money shud be included in telebetting figures or not (it never has), they sent me trading limnit sheet which gives limits, none of these were met....

All i can discuss is what i said in my appeal letter, is it the same with them?

It says at the end of the letter that whatever the outcome this will be the end of the matter.

Got my appeal tomorrow.

Any idea what it will be like, how will it differ from my disciplinary?

Is there anything i need to know,

Any info wud be great, cheers.

Just wondering, is it normal practice to send a P45 out prior to an appeal hearing? as surely the point of the appeal is so they will reconsider there decision.....sending my p45 indicates its worthless....(although i know its part of the process)

Just been confirmed that despite my boss who held the summary dismissal saying he definetly said i would recieve a months notice (my hearing rep has just been and spoke with him directly and he said this to him) they are now NOT paying it as they feel they dont need to, my ex boss spoke to HR to find out when i would get it and they saying im not which he has just told my rep who just told me....