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eeyorebob

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  1. oh thats excellent news - I do love these consumer complaints/asking for advise forums, can get all sorts of solutions you've never thought of before LOL I've found this one to be very helpful, and also another one http://www.complaintsfactory.co.uk/forum which is also full of helpful advise and people
  2. Hi guys, (sorry been offline, laptop decided to throw a wobbly lol) On the subject of witnesses (I've been reading through this thread), anyone who was in either vehicle - CANNOT BE A WITNESS, as they wouldnt be impartial, it would have to be a bystander, someone in the shop/carpark/street etc UNRELATED to you who can act as a witness. I wouldnt worry at this stage if they are suggesting 50/50, they are just waiting for her "statement" before they can try and claim anything anyway. In either case if it does go 50/50 that would also mean that she would have a "knock" against any No Claims she has so she doesnt get away without anything (which is the best case really as you wouldnt want them saying it was your fault!)
  3. My brother is a member of Diamond International (i think thats the company anyway - he does get points, and goes on quite a few holidays), i've been to a couple of the resorts thanks to him, and the 2 i've stayed at not had any refurbishment issues etc, so I cant really say, or say anything about the debt thingys either as obviously he is the points holder not me lol I've also seen another good forum where i've had advice on various issues in the past too, very much along the same lines as this one, different people with different experiences http://www.complaintsfactory.co.uk/ I love these sort of sites, have had loads of advise from these places on complaining etc
  4. Hmm tricky one I would think that they will say you should have advised them when you moved house (had you kept the machine, you would have needed to transfer the warranty to the new address anyway, so they should have been on the "notify of change of address" list - although it is sooo easy to forgot people on that list!) so i can see their point. I guess that is what they will say, that had you moved the machine when you moved, you would have needed to notify them then, and I'm also guessing you didnt have mail redirection in place which would have forwarded any letters to you from them. Was it a Direct Debit policy? if you had cancelled the Direct debit that would have generated a letter from them, which you wouldnt have got as they used the old details, although they would have then cancelled the warranty due to non payment.
  5. It depends on who the Legal expenses cover is with - its worth giving them a ring (should be a number for them in your policy booklet - its NOT usually the same as for the insurance company), explain the situation and see what they say
  6. Hi there first, sorry to hear about your dog - as a pet owner myself i know the heartache and joys secondly, my replies here are based on my experience in the insurance industry (where i worked for a good few years) I think, depending on the wording of your policy (who is it with btw?) that you will find the euthansia costs may not be covered, UNLESS it is on vets advise that it would be cruel to keep him going. You should be covered for the treatment he has received upto that point though
  7. Do you have legal expenses cover alongside it? if so then yes they would hand it to the Legal expenses part of the cover ONLY if it was disputed and their insurance wanted to take you to court. If you do NOT have this cover level, then you would have to represent yourself.
  8. Third party only cover is just that - covering against accidents you have that you are at fault with so that the TP isnt "out of pocket". This means as they dont "repair" your vehicle they WILL NOT approach the other company in case costs cannot be recouped - its the cover you have. Do you know the insurance company of the TP? try talking to them directly saying that you are the other party involved and see what they have to say that way? its not going to be easy to get your company to act based on the cover you have i'm afraid.
  9. Hi Assuming you havent made a claim, then you can cancel, pay the cancellation fee and potentially any owing premium upto the date of cancellation (say you cancel mid month and your payment date is 1st of the month - you would have to pay upto the date you cancelled AS WELL as the cancellation fee.) You will however NOT build up any NCD so when you "restart" a policy next year, you will NOT be able to say you have 2 months NCD etc, as it wont be classed as built up
  10. Hi I used to work in insurance so i can answer your questions. 1) if you are wanting them to pay out, you will HAVE to pay the premium for the year, the reason for this is, if they "reimburse" you the cost of the scooter, and you dont pay the full premium for the policy, you will then effectively be in a "better off" situation at the time of payout than you should be (ie you will have gained a replacement cost for the scooter, AND only paid £70 insurance) - this is NOT the purpose of insurance, it is to "reinstate" you to the same level you were at before the claim occured. So, they can either take the remaining premium for the year from the payout (so you receive a much smaller payout), or they will pay you the replacement amount and you still pay the DD to them, or if you do neither of these, they can persue you for the remaining premium. 2) This depends on who the insurance company is i'm afraid, some are quicker at paying than others. 3) depends on the type of policy - was it a "new for old" policy (and did you buy the scooter as new?) or when you took the policy out did you have to give a "value" of the 2nd hand scooter? If it was a new for old and you are within the "limits" of this, you SHOULD recieve the full replacement costs less the excess. If its NOT a new for old or you are outside the limits then you will be subject to a valuation by the insurance company.
  11. Hi, As an ex insurance company worker, I can state that reasonable expenses should be requested and as you say you have no issue with that. £25k seems a bit odd, i'm going to stick my head out here and say that its PROBABLY the FULL amount that the other parties insurance cover for legal expenses on the policy. Do you have legal expenses on your policy? as this will apply to ALL named drivers or should. Have you checked your policy that it actually STATES they will NOT cover you or named drivers if you are under the influence? It sounds very much to me that your insurance company have used the Drink driving as their "get out" and it will probably fall under the "we reserve the right to refuse cover blah blah" - breakdown of costs is a must in this case, and if you DO have legal expenses on your policy, call on it! as it can be used to "fight" actions such as these
  12. Hi Unfortunatly this is what the Legal Expenses part of the policy is there for. (I worked in the insurance industry for a while so know all about it). If your insurer cannot recover from the TP (as in your last case, if there were no independant witnesses and he refused to awknowledge he hit you, thats where your problem lays - however, if there had been damage to his car (assuming not or he would have had to claim on his for that damage) then it could have settled what is called 50/50 where each paid for their own repairs. Is this young driver denying hitting you? If not thats a great start (and they will get a slap from their insurance lol), do you have any independant witnesses this time? that means someone who was in NEITHER vehicle at the time (for the purposes of insurance) Hope you get it resolved, the TP company have to speak to you once the driver has returned the form and they have rec'd it
  13. Hi There I had a similar problem - well in the fact I had a problem with the same supplier. We ordered and paid for a bed in January, we needed to replace our kingsize bed and decided the sales were the time to do it. We picked our bed in store, and ordered it, were given a delivery date and told we would need to have removed the old bed ourselves. So, original delivery date was approaching, we were contacted and told that unfortunatly they couldnt meet this but would be able to deliver on such and such a date instead. So we went forward with that date (and were given some "shopping vouchers" for the delay). 2nd delivery date arrives, so we break up the old bed (one of those divan sort), and wait........... and wait ............. and wait............ towards the end of the day i start worrying so i "ring" the number i had, to be told that our bed isnt even out for delivery as it hasnt arrived from the supplier yet. I get annoyed, and ask them why we were NOT informed when we were when they were going to miss the first delivery date. All the first person i spoke to was interested in was selling me a mattress as i "had not ordered one with the bed" 4 WEEKS later, and the bed finally arrives, I've been sleeping on the floor on the mattress, and no one seemed to care. I contacted the local store that the order was made at, who advised me to use their address and do a complaint letter that they would send to head office. We finally get a reply saying sorry etc, and the local store (who were completely sympathetic and couldnt get over the HO attitude), although they couldnt offer any monetary compensation did offer us a "linen" set for our trouble. We picked out one and they gave us that
  14. Hi, ususally this is some kind of block on the line and broadband. It could be that Talk Talk are in dispute and claiming she hasnt paid her bill?? is that possible? It sounds very much like you will need to contact Talk Talk to find out why this is happening, unfortunatly you will NOT be able to do this from her phone if they have blocked the outgoing calls too!
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