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About Rlp

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  1. I am reporting back to let everyone know the police gave me the drivers details and luckily they are insured, my car has been fixed at no expense to myself Thanks for the advice.
  2. Thanks for your post. you can indeed apply to MIB but as far as I'm aware (only done minimal research) the first £300 from any claim is deducted or kept by MID, the damage to my car is at most £200 so I don't think it's a route I should go down. I have spoken to the police today and they are going to investigate it, they have taken a statement from me and will speak to my witness. He couldn't tell me if they were insured or not though. Should I inform my insurance? If they have insurance and I claim on there's will my premiums increase? I guess I don't lose my NCB as is wasn't my fault? If I notify my insurance company and the other driver isn't insured and choose to bear the cost and repair my car will it go up? Thanks for the posts so far everyone. If it turns out the other driver isn't insured I will pay for the damage myself and try and claim the money back through the courts if I can. I want the person to be held responsible for both the crime and breaking the law.
  3. Thanks for the reply, I have an appointment with the police tomorrow morning at 8am, would it be okay to contact my insurance then? I just don't want my costs to go up! my policy on renewed on the 29th and I've only held my license 20 months.
  4. My car was hit by another driver today before and they proceeded to drive away, my neighbour heard the collision and luckily got the car registration and make and model. The damage to my car is only probably a few hundred pounds. I have called the police and I have an appointment with them tomorrow. What is the best way to proceed with this? I feel I have two options, go through my insurance and pay my excess (£250) and lose my my ncb. I can't help but feel a little bit hard done to here, I was hit by a possible uninsured driver and may possibly have to pay for the same as well as us all paying extra in our premiums. Any advice? Any chance the askmib site is incorrect? If I do pay for this out if my own pocket I will try and have the police take it as far as possible.
  5. I would like to say I got a full refund on these, Evan halshaw originally got the date incorrect on the extended warranty and sent out a second copy which I obviously hadn't signed. They never admitted it but they gave me a full refund due to their error. Thanks for all the help everyone.
  6. I didn't know they get a bill from the fos. The fos cannot help me with the with the service package, 2 services and 2 mot's of which I have used zero, how would you think would be best to deal with this? I was thinking maybe wait until the fos ruling and then try and get that refunded or worse case it taken off my next car service, what would you recommend? Thanks again.
  7. Thank you again for your reply, I have emailed the CEO with my official complaint and I gave them a deadline to refund me. All I got was a phone call from the dealers that sold me the product telling me to read the terms and conditions as it was non refundable and non transferable. I have passed my complaint on to the financial ombudsman, is it worth me waiting for that or issuing court proceedings? Thanks again for the advice.
  8. Sorry, I meant to put it in my first post, I rushed the post a little and forgot. I have already complained and offered them the chance to refund me, I even offered them the chance to refund me less than I paid. All I received back from them was a phone call telling me about their terms and conditions. I have forwarded the case on to the financial ombudsman. I may have to take them to court to get the money back from the service pack though unless they are willing to come to some sort of arrangement. Thank you for your posts and advice.
  9. I fail to see how they were at risk when the policy doesn't start until next year? Originally the car was under manufacturers warranty and is until next june, the extended warranty will then start. Th
  10. So you believe my debt amount minus all charges is possibly £487 as this was my default amount, so i should make a 10% offer of £48.70 and go from there? Thanks for the help.
  11. Lowell have the account now but I've also being chased by all the usual vanquis suspects. How much would you say is a full and final settlement? As my account was taken out after april 2007, is it right with me thinking it's not worth me putting in a CCA request? I may look in to this, if I did this it could be possible I owe them nothing. Thanks for the replies.
  12. I had a credit card with vanquis which according to noddle was taken out on the 8/8/2007 After a few years of having this card I could no longer afford to pay the high interest and balance. According to noddle I was defaulted on 31/10/2011, noddle also states the defualt amount was £487 but it now states I owe over £2500, could someone explain to me how this is? What would be the best way to deal with this or what are my options? Thanks to anyone who reads or responds.
  13. Just a quick update on this, I have made a complaint to the financial ombudsman regarding the extended warranty. I will keep this post updated as and when I receive more information.
  14. Thank you for your post, I know it's none transferable and also none refundable! I just don't think it's right they actually keep my money without me actually receiving anything. I was looking at the Guidance for the Unfair Terms in Consumer Contracts Regulations 1999 in group 4, page 38 4.1 Terms are always likely to be considered unfair if they exclude the consumer's rights under contract law to the advantage of the supplier. A basic right of this kind is to receive a refund of prepayments made under a contract which does not go ahead, or which ends before any significant benefit is enjoyed. In certain circumstances consumers are entitled to a refund even where they themselves bring the contract to an end. Where customers cancel without any such justification, and the supplier suffers loss as a result, they cannot expect a full refund of all prepayments17. But a term under which they always lose everything they have paid in advance, regardless of the amount of any costs and losses caused by the cancellation, is at clear risk of being considered an unfair penalty – see Group 5. Would anyone say these class as unfair terms? I have had no mot or services under the package and the warranty didn't start till next year, so under my assumption my situation would class as unfair terms. Anyone else have a opinion or gone through this?
  15. No, most of the information was posted to me after i'd already paid for the warranty. I think both of them together came to around 600-700 pounds. The extended warranty was originally running along side my manufacturers warranty until I pointed it out and it was changed. I don't see how they can refuse to refund me anything when I have technically received nothing from them.
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