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unclebulgaria67

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Everything posted by unclebulgaria67

  1. I wonder if Tories will have difficulty in raising election funds? https://youtube.com/shorts/nEmjgVpzuoM?si=A_HqxYIaEViM6FkY
  2. If there was a move to replace Sunak, it would not surprise me if Sunak went straight down to see the King to request an election, which would probably be granted. As I said in a previous comment, there are probably quite a few Tory MP's who don't want to win their seats again and therefore may be delighted If an election were called in the next few months. The Tories need at least 10 years in opposition to help them resolve the political direction most in their party are able to support. When a party has so many different factions, it makes it pretty impossible for anyone to lead them as a team, and in opposition they can go through many changes in leader as they want, before they settle on an agreed way forward.
  3. How old? When did the account go into default ? When did you last make a repayment or admit liability in writing? Have you been taken to Court previously about this debt ?
  4. The more I hear and read about these type of endeavours, just makes me think that many become MP's not to serve constituents interests, but to find ways to increase personal wealth. And many MP's who are likely lose their seats at the election are most likely really wanting to lose, so they can spend time accumulating wealth, rather than dealing with the day to day problems of ordinary people who are just trying to survive. Time for a total change to electoral system. What about the 200 MP's with smallest majorities facing an election within say 3 years. And much more scrutiny by ethics and standards watchdogs, who can trigger referendums in constituencies to see if people want chance to vote out the MP.
  5. A little patience is required here, as you mentioned not having a reply after 2 days. Most Insurers have a target for their staff/teams to reply within about 4 or 5 days. Insurance companies are normally extremely busy and they respond as soon as they can. You don't mention whether a third party caused accident damage to your car and therefore if you got a cheap hire car you could potentially reclaim costs from third party. It could be a few weeks before you receive write off settlement for the car.
  6. I think there is a misunderstanding about how Insurers or their claims management company handle claims. Remember they probably receive thousands of claims every week, therefore they don't have the time or finances to collect every bit of evidence for every such accident claim. They will look at the details of the accident and decide how they will pursue the claim against the third party. Of course third party Insurers do often initially refuse any liability, but then later on they may come to a different decision once it is looked at again . Your current feelings are based on uncertainty, so let the claim process progress and if you want to present more evidence you have obtained then supply this to those handling the claim.
  7. @Square_Lines agree with dx, you are making this over complicated and not getting anywhere with phone calls. You need to write to Ovo as dx suggests. With a paper trail of your attempts to rectify this, if Ovo do not resolve to your satisfaction you can go to the Energy Ombudsman.
  8. I think you should raise a complaint with your Insurance company about the poor handling of your claim particularly the unnecessary hassle from Kindertons. Explain what happened about being forced without proper consent into a hire car, that they now want a signature from you after the event, so they can pursue from third party. Your Insurers have a responsibility to ensure that the service provided meets with the required standards.
  9. Normally the new company receives the updates from previous company and eventually updates the account. But it does not instantly happen. The only caveat is if the usage has been extremely high since migration started or meter readings were wrong, therefore the bills have been incorrect.
  10. First underwriting Ltd are not members of ABI, but their underwriting partners Accredited Insurance Europe Limited (AIEL) are members of ABI. So I wonder if the Home Insurance was also partly underwritten by AIEL and they will look to ensure that existing risks are Insured by them or another Insurers by arrangement.
  11. Who was the Insurance underwriter ? Quite often the underwriting company is different to the Insurance company ( provider) you bought the Insurance with. If the underwriting company are no longer Insuring property risks from the renewal date, then you would have to go to companies that may quote, but they might want a structural engineers report to find out what the risk is like, before they offered a quote. There is no obligation for an Insurance underwriting company or Insurance provider to find you a replacement Insurance or to continue with Insurance they have decided to no longer cover the risks for. If the underwriting company are still Insuring the risks, but it is simply the provider stopping offering this type of Insurance, you may be able to contact the underwriting company directly or via another brokers. The Association of British Insurers may be able to clarify what is happening with the company you are Insured with. Contact us | ABI WWW.ABI.ORG.UK To contact the ABI And depending on the issues with movement in the property, if you get a structural engineers report, which indicates no subsidence, then you could contact companies like Legal & General, Direct Line, Aviva, Brokers, with the information and they may quote with subsidence included.
  12. Schools break up third week in July. But I think the election will be first Thursday in July. The Tories will want a longer campaign period, because they will want to give plenty of time for Labours plans and candidates to be fully scrutinised by media and public. So it would not surprise me if the election in July was called as early as beginning of May after local elections on 2nd of May.
  13. My prediction is that the General Election will be first week of July. Mid Summer, with older more Conservative voters more willing to go out and University students on break. So possibly best time of year for current Government. Some are saying May, because the migration number stats are due to be issued end of May and they are expected to confirm highest net migration on record. I don't think they will leave it until the Autumn
  14. This is getting into very technical benefit aspects that are unlikely to be answered here. You really need to get in touch with welfare rights/disability benefit advice services, who have a wealth of knowledge about every aspect.
  15. Rwanda Is apparently the first of many places Government want to send migrants, but if they are going to cost billions collectively, then you wonder whether the money could be better spent. Other countries have the same issue and have larger numbers of migrants to deal with. Surely it would better for UK and other Governments to collaborate on more effective border controls closer to where the migrants start their journeys. More work done to tackle the people traffickers. Asylum Centres based in safe countries closer to where migrants are escaping from.
  16. What happens with Moorcroft, is the Bank during later stages of their collection processes, start to issue letters with the Moorcroft header/contact details. And then after this, the Bank let Moorcroft chase the debt for normally 6 months, sometimes longer. Moorcroft bombard the debtor with a large volume of letters and phone calls. After this the Bank will look to sell off the debt and new debt buyer will then start contacting about payment. Eventually a debt owner may then issue a County Court claim against you.
  17. agree with dx on this. They are trying it on, hoping that someone would be daft enough to sign their documents. The third party Insurers are not going to pay for a very expensive hire car for more days than it was needed for. Can you provide a breakdown of what other aspects were part of the claim and who is/was dealing ? e.g. damage to own vehicle, personal injury, loss of income, other losses.
  18. surface mail for Court claims to address on record. I doubt that any CCJ has been obtained, as default in last 2 years. Creditors usually wait, particularly if the credit records appear to suggest that financially the debtor is not financially in a position to repay at the moment. Remember creditors track your credit record and if you are abroad you probably don't have any transactional changes to your record. If creditors are emailing you, it may be because they have sent letters to your previous UK address and either they have not heard back or the people residing at the address have returned the letters noting ' return to sender not at this address'. They may have also tried to telephone the address if they have traced a landline linked to the address and if anyone has picked up a call, they may have said you don't live at the address. The fact that creditors have tried to contact you at the previous address and may believe you no longer live there, does not mean they would not use it to issue a County Court claim with the address noted. They are allowed to use last known address. This is one of the reasons to advise of foreign address, so you can receive any communications.
  19. If a debtor informs a creditor of a foreign address, then it might stop the creditors making a UK Court claim. But you have a UK Bank account and if that is showing on UK credit records, then I can see them just issue a Court claim using last UK address. Normally if someone is living abroad, they issue Court claim in country where you live. Or they can issue UK Court claim, but they would have to follow correct process,with Court claim sent to your foreign address, more time is allowed and they may have to pay your expenses to attend UK Court. Providing foreign address reduces risk of UK backdoor CCJ sent to previous address without you knowing about it. But no guarantee it won't still happen. Credit rating agencies such as Equifax, Experian have details on their website on how you can obtain credit record even if you live outside UK . I think you need to register and prove ID.
  20. Your post is far too long. May put people off replying. I have edited into shorter paragraphs. Essentially if you have no plans to return to UK and the debt is unsecured and you have no plans to return to the UK, then the best option is to inform creditors of your EU address. Do you have social media accounts e.g. Facebook, LinkedIn? If you do, then make them private. Otherwise they may try to contact you via employers. Creditors likely to get CCJ's using last know UK address, but not yet. They may wait possibly until 5 years after default. Once they have CCJ, they then have 6 years to try to enforce. But a CCJ does not die, it is just they need to go back to Court, if they wanted more time to enforce. So you are looking at creditors trying to enforce these debts into the 2030's ! Credit card or loan debts are civil matters, so no issue at borders. Don't think they can get UK Court to agree to wage deductions.
  21. Have not been through process myself, but understand the rationale behind it. Have all of the details available. Childcare invoices for every month and list of payments made. And details of employment that have required you to need childcare. It is not just HMRC tax credits that are completing this type of exercise. DWP have also employed a large number of checking agents, where they go through all of the basic information, to make sure what has been paid out is on the correct basis. Government believes that a percentage of money paid out to people should not have been paid and should stop being paid. And the checks in the system have not been adequate, which is why there are now many more checking agents employed. Hopefully others who have actually been involved in the process will confirm the type of questions, but I should imagine they will directly relate to your particular claim and whether the circumstances of claim have remained exactly in line with what you originally told them.
  22. If this is causing you to worry, then it is up to you to decide the action you take. Once an executor has paid beneficiaries, it would be very difficult for a debt owner in this situation to take action against the executor. If there is a CCJ that is no longer showing on records, the deceased has left no paperwork and the executor is not legally required to post a notice to the London Gazette, then it is not the fault of the executor if a hidden debt is not paid. Billions of pounds of debts are owned by these debt owners. Large numbers of people die with these types of debts never repaid. If you don't want to die leaving executors in a position of not knowing what to do about tracing all debts and repaying them, then you have decided to take responsibility to tackle this yourself. And one way of dealing with this is to carefully negotiate full and final settlements. And once you have completed this, to leave full paperwork records so the executor can see you have dealt with it.
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