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Welshblonde

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Posts posted by Welshblonde

  1. How did Collingwood discover the vehicle was registered to you, did they check at the DVLA themselves or was the log book sent into them or did it just arise in conversation?

    I told them. The V5 had to be sent in so I explained that it was still in my name. The worst bit is that I even filled part of it in so when I had to salvage the car recently I had to get a new V5 as I had already filled it in!

     

    I'm lucky to know someone who is a solicitor so hopefully will get some advice from him. I have to fight this all the way, I have no choice but am hoping that anyone who looks at this will realise the outcome of this whole matter is incredibly unfair on my son who to all intents and purposes has done absolutely nothing wrong.

  2. I know I come across as quite defeatist but I've read so much stuff on the internet that's negative that it's become incredibly depressing! Spoken to someone from the insurance company who was really lovely and said that we will try to resolve your complaint in the next 8 weeks or hopefully sooner. I am going to try to be more positive and fight this all the way. Thank you so much Uncle Bulgaria for all your advice! If I get through all this favourably then I will definitely buy you a pint! 😄

  3. A thought occurs to me.

     

    If you ask the Insurers for the premium back and you don't sign the form accepting to pay back the relevant sum they pay a third party, you are accepting the voidance. The Insurers are going to deal with the claim anyway and i don't expect them to refund the premium. But i don't think you should ask or seem to accept the voidance.

     

    You should let them keep the premium for now, as you don't accept the voidance.

     

    You could go to a Solicitors that litigates against Insurance companies and ask for an opinion. If they think you could win in court, then you might choose that route, rather than the FOS. If you choose the court route, you cannot then use the FOS. In addition you could contact journalists that deal with motoring issues to see if they are interested. Collingwood learners might not be happy with any bad publicity and have a change of mind.

     

    They haven't refunded the premium as yet. I'm actually seeing a solicitor regarding this issue next week. I phoned Collingwood this morning to see if they had received my complaints letter which they have. They said someone will be back in contact with me later today.

  4. If I remember correctly, their site already refuses to proceed if you answer that the policyholder is not the registered keeper, the only way around the question was to give an incorrect aswer
    True but as he was going to be the registered keeper the parent button didn't even get looked at until you mentioned that there was one! Didn't even see it when the policy was taken out. I realise that this is no excuse but it's only on a drop down box - unless you click on registered keeper -parent there is no warning.
  5. She was very much of the opinion that no, you have no case which was quite upsetting. I realise I've made a massive mistake here but I genuinely never meant to deceive anyone! Hopefully my insurance company will take this on as I wasn't the owner of the car but the whole registered keeper thing could cause further issues. Thank you to everyone who has advised me so far - it has helped me a great deal.

  6. Thank you. I've checked the Collingwood site and I would not have been offered insurance if I was the registered keeper. When I inputted parent it stated I needed to have my own insurance! 😭 I've sent a letter anyway stating it was an honest mistake but legally I don't think that will hold up unfortunately! All a bit of a mess really.

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