I was caught speeding in a 30mph and pulled over for checks, when the officer checked my insurance he said it was coming up as only my partners name on the insurance. To cut a long story short, the insurance company had made a mistake on the policy, I have never driven without insurance in all my years of holding my licence. I was sent a plea form through which I filled out online including mitigating circumstances. My fine came through the post a week or so later with 8 points and a £1000 fine (without the speeding included) is this common for a first offence with mitigating circumstances? I have since contacted the magistrates who claim they hadn't received my plea.Can I appeal the fine and points?

Hi, i'm looking for a little bit of advice. To try to sum up, I had two cars and two insurance policies. I sold one of the cars a few months back and never cancelled the insurance policy. I also had a third car which was off the road and being repaired and had no insurance. The repaired car was picked up by myself and being driven home when it was involved in a bump (My fault if I'm honest). No injuries but the police did attend and I was given a producer. I spoke to my friend who is in the police and he said simply produce the insurance docket for your car which is insured which would cover you to be driving third party. That's all been done and the police are fine with that and don't seem to bothered that the actual car I was in was uninsured. I then swopped the reg number on my second policy to that of the now damaged car so it is now 'insured' although it's looking pretty badly damaged at present. I'm just looking for a little advice on how to process all this. I have reported the accident to the insurance company I used and presented to the police and they said they would call me back to process the third party claim, I have given them the police reference and my friend tells me they will basically get the details from the police and the insurance companies will settle it themselves. My worry is that would they have some exclusion on me driving another car if that car doesn't have insurance and if so would they be able to find that detail out very easily? Secondly, I now want to make a claim on the fully comp part of the other policy in the hope that they will repair the damaged car. Technically it wasn't insured at the time of the accident but if my claim is for general damage am I in a sticky place if I say I've driven into a wall or something? I know what I've done is not strictly correct but to be fair I've had two policies fully paid for right through but I dont want to have either of the claims denied on technicalities. Finally, if they reject the third parties claim could I be liable for their costs? Sorry, it's a bit long winded!!

A bit of advice would be appreciated with the following - Took out policy online with OneCall Documents were requested as usual to be uploaded to my policy portal I have 2 "claims" on my policy The first is a non fault claim for which I have the paperwork to confirm this from the then insurer. I uploaded this document and subsequently held calls with OneCall to confirm that this document was received, read and understood. Also to confirm that this particular "claim" would not affect the agreed quoted price of my policy. The second is a windscreen replacement which I was advised at the time would not affect my claims record. I could not find the insurer at the time of the windscreen replacements details and therefore explained to OneCall that I would hunt down the info and then share with OneCall. I requested the date and the vehicle reg (I have a couple of cars both insured in my name), so I could hunt the details down asap. They could only share with me the year - which was a start. It proved that the time limit that OneCall was pushing on me to find these details was not enough for me to confirm as OneCall started pushing cancellation notices on me. I requested some guidance from OneCall on how I could contact the central claims database and request all the details held about me to resolve this sooner. I was advised to write to the Motor Insurers Bureau, send the fee and I would receive this info. Which I duly then sent off as advised. On the last day OneCall had given me before the cover expired, I was on the phone (I called them as I knew I had to resolve) I explained the situation that I did not have the details of the windscreen replacement, so to keep me insured I said please continue to cover me and I accept any additional charges for the claim - and asked what these were. The agent on the phone said they were not sure if they could do this as the policy was due to expire at midnight. You can imagine I immediately asked why, please explain, please transfer me onto someone who does know and can understand how to resolve this. None of the answers to resolve came. I also confirmed if the agent could see the first uploaded document - to which I now got a no - we havent received it. I uploaded again whilst the agent was on and she said that she wasnt receiving it but did have issues with her pc. I asked her to log on to another PC or indeed ask a colleague to help. None available. I was told however that due to the technical issue of them receiving documents and they could not answer my request of just insure me with the oe claim (until I can confirm and share later down the line) that the insurance would indeed not expire overnight. I was told that I would be contacted in the morning to confirm and resolve one way or the other. The next day came. I did get a call. I missed it. I did return the call soon afterwards (I was working) and then got cut off whilst we were discussing my account. I called back - no answer - had to jump back into my meeting at work. Called again same day and they confirmed that my insurance was cancelled as I had failed to provide the documents. Quick recap - one set of docs were confirmed to be received - plus I had 3 successful docs uploaded from their website over the period of doing so. The second set I didnt have but said please insure me with knowing I will accept a claim on file until I can resolve. Insured with someone else. Done. Next received docs back from Motor Ins Bureau. Nothing in regards to claims are recorded. Just the years and vehicles I was. Next I receive letters from OneCall Debt Recovery demanding £246.41 saying that they will take this amount from the card used to take out the policy. Which I had to cancel the card as I had 48 hours from which the letter landed to when it would be taken. Cancellation charges - Insurance Cost 1,751.89 Charge for time on cover 293.42 Broker charges during the policy term 39.00 Discounts applied to the policy 74.74 cancellation charge 55.99 Total cancellation cost 388.41 Amount paid (deposit) 142.00 Balance 246.41 Shortly later I have received another letter which includes an additional £25 charge for a handling fee. Balance now £271.41. 7 days to pay or court enforcement action will be taken. The letter is dated 13th April. The original cost for the quoted and accepted insurance was 950.00... How would I deal with these incompetent bandits? Cheers!

My house was flooded last week as the ball cock broke off in the tank in the loft. Loss adjustors have been appointed and drying company and electricians have been out and set up a separate power supply to start the drying process. I am in a hotel staying that the insurers have arranged. Loss adjustor came on friday and had a good look around took photos and asked me some questions. One of the questions was did I have any criminal convictions or CCJ'S. I said not to convictions and that I had a CCJ about 9 years. I think it was paid but really cant remember as I was in a very bad period in my life at that point. A lot of my paperwork from then has been thrown away ( in error ). I believe that CCJ information disappears after 6 years so I dont think I can check. I have looked through my paperwork for the insurance policy that covers the damage and the question about CCJ'S does not appear only questions about convictions and being bankrupt. Both of these I answered no to as that was the case. I just wondered why the loss adjustor asked and would he be referring to CCJ's from the last 6 years ( of which I have none ). I looked at my sisters insurance papers at hers today and her insurers NFU ask about CCJ'S aswell as IVA's and Bankruptcy. But they then say they are only interested in CCJ' whether unsatisfied or satisfied from the last 5 years. I dont want this to be a reason why they dont pay out and I did correctly answer the questions when I took out the insurance. Am I worrying for nothing?

When I purchased my house I used the services of a financial advisor who also sold me health insurance policy to cover the mortgage at that time. Recently on speaking to a colleague at work, she has the same cover for a quarter of the price I am currently paying. I feel like Ive been pressured by the FA to take out a policy that was far more expensive than I needed to be paying. Is it possible to get my premiums refunded for this, or do I have to forfeit them if I cancel it and move to a cheaper product? Feeling really let down by someone I thought was giving me sound advice.

hello, not long ago I thought I'd get myself a second job and thought doing pizza delivery wasn't such a bad idea seen as I'd be getting free pizza's every night (sad i know) So I went and got my CBT, purchased a bike got it taxed and bought courier insurance to go along with it and away I went. A few weeks back I was involved in a head on collision with a van, it decided to cut in front of me from the opposite lane to turn into a side street with no indication as I was doing about 30mph thus I ended up smashing into his bonnet at full speed and straight onto the ground knocking me out for a bit. I woke up in hospital hours later. Later that day the police arrived and oddly enough kept asking me about insurance. I said I had insurance but they told me that I didn't. I told them that is impossible as the payment was made in full etc and I never canceled my insurance. They came back to me shortly after speaking to the insurance firm and they told me that the insurance company canceled my insurance because I apparently failed to provide them my CBT. I contested and showed that I have a CBT etc, but the police where not interested and slapped me with the offense of driving without insurance, then they nicked the keys and took the bike away to a pound. After I got out of hospital I got on the phone to the insurance company, and they told me it states in their T&C that they have the right to cancel my insurance randomly at any point in the event that I fail to provide a copy of my CBT. They never sent me any letters, nor did they telephone or text me and I certainly have no emails from them asking me for a copy of my CBT. Do I have any hope in fighting the insurance company in court for the outright idiocy for not even having the courtesy to call the customer to tell them the insurance has been canceled and to stop riding the bike? They never even sent me a cancellation email, NOTHING! Any letters they may have sent would have been clogged up in the Christmas break, which is when they apparently canceled the insurance. (btw, still have not received any letters.) I am sure I now have a criminal record because of this, thus, ruining any future jobs in which a criminal background check is asked, which is almost everything these days. I was about to apply for a bus driving job and it specifically said, regardless of the offense, if you have a criminal record, you application will be automatically rejected. I am mortified right now. Any advice is appreciated at this point, thanks! MCE Insurance - https://www.mceinsurance.com/

Hi All, Just looking through my mortgage statements with Mortgage agency Number five and every year since i took it out (2007) there is an annual amount of £40.00 taken as an insurance fee! Would this be PPI? what else could it be? thanks

Dear Caggers, long time member on the Motoring Sub forum, now have a problem in the (to my untuitored eye0 murky world of HMRC enforcement. It takes the form of a demand for 'Payment due £xxx' on form HMRC12/15 and is headed Self-employed Class 2 National Insurance contributions (NICs) due It shows a summary of outstanding liability periods (all of which include higher rate for late payment). 29/06/75 to 10/04/76 11/04/76 to 09/04/77 10/04/77 to 25/06/77 The form threatens me with reduced pension rights/benefits if I do not pay. It also threatens that a private debt collection agency May contact me. (I am aware that a DCA has no power so am not worried by this) I am 72 years of age and have deferred my state pension, but my forecast is that I have 46 years of full contributions up to 2009 (being my pension age), with the minimum requirement for a full pension being 44. I do not have records going back that far, not sure that many people would, but I have been able to create a date line which gives me confidence that I registered for self employement commencing 01/07/77. This would equate with the above periods when I was in low paid employment, or was unemployed. Before I try ringing the 0300 number provided, I wondered if any of you more knowledgable posters could give me any suggestions with how to deal with this. I expect that if I do speak to someone, their birth date is likely to post date the relevant period. Also, how common is it to go this far back without previous notification of potentially missing contributions ie, 'last year you missed ....etc' Any advice would be very welcome.

More for BankFodder and unclebulgaria67 I reckon, but any opinions welcome. I've just been reading through this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?472019-MCE-Insurance-cancelled-policy-on-a-technicality-Conviction-quashed-ICOBS And I've read it with some interest. For a start, it's the first I've ever heard about ICOBS. Anyway, long story short, going back to the start of August 2015 I had an accident in my car in the early hours of the morning on the way to work. Swerved to avoid a deer that had run in to the road, turned the car over and killed it! (The car, not the deer). I was at the time with Co-Op insurance (no fear to name and shame here), the vehicle was recovered by them (their agent), the claim commenced, loss adjuster attended and inspected the vehicle and an offer to settle was made by the LA over the phone £700 (it was a get me to work car). A week or so later (20th August), I got a letter from Co-Op telling me that they would be refusing the claim as the vehicle was fitted with a "K&N induction kit" and I had not told them when I took out the policy. To be perfectly honest, I didn't even know what a "K&N Induction kit" was until I got their letter and Googled it. I replied via email, stating the above, and they seemed to accept that I was a numpty when it comes to how cars work (no real argument there) and they reinstated the claim (or so I thought). On 8th September, I got another letter from Co-Op refusing the claim as the vehicle was registered in my partners name and not mine, and when I'd filled out the form online to start the policy, I'd ticked the box to say that the vehicle was owned by and registered to me. Now, Co-Op's own website (certainly at the time, if not still), in the Q&A section says... Q: Does the policyholder have to be the registered keeper? A: No, the registered keeper can be the policyholder or the policyholder's spouse/civil partner. I have a screenshot of that just in case they've since changed it I really can't see how who the vehicle is registered to increases the risk. So, the question is, did Co-Op have the grounds, based on the fact that the vehicle was registered to she who must be obeyed, to refuse the claim? Or can I go after them in some way using ICOBS to get the £700 that I was offered? Thoughts...

Hi everyone, i would like some advice please I have had an insurance policy for 11 years and i am claiming under the permanently disability rule that I can no longer do my job. I have now been informed by the hospital that i will have to wait 55 weeks for my operation which means that it will maybe be February 2018 before i get the operation.. I will then be on the sick for about 14 months with only benefits to keep me going. After the operation I will have 2 months recuperating time and even then I might not be able to go back to work . Is there anything that I can do to make the insurance company pay out or will I have to go to the ombudsman. Thanks i appreciate any help in this.

Morning All, I recently applied for a new pet insurance policy for a new dog and after a lot of chasing the company for an answer I have finally received a very poorly worded letter from them advising 'the cover will be limited to accidental external damage only'! They then go on to say 'this exclusion is non-reviewable as this condition can affect many systems and is unpredictable'. The condition is called Rickettsia and the dog contracted it in Spain as a result of being bitten by a Tick most likely. When the dog came to us we took him to our vet for a full check-up and our vet contacted Defra for some advice. They came back and advised that they were not in the least bit concerned with the condition and as a result our vet advised he is good condition and unless we are concerned by anything he would see us for our next scheduled check-up in approximately 6 months time. I am going to contact our vet and ask his opinion on the insurers stance but before I do I was wondering if anyone with any experience in this filed had an opinion please? Does anyone think this could be deemed unfair as I fully expected and exclusion to be placed on an issued policy with to Rickettsia and any RELATED condition but not a blanket exclusion for any illness at all? Thanks in advance.

Hello Everyone, This is a piece of advise for my mother who is currently going through lots of old paperwork. Back in 1990, she and my grandfather bought a house between them, both named on the mortgage with the Nationwide. Both her income and his pensions (he was 70 at the time) were used to get the mortgage. Both had to have Decreasing Term Mortgage insurance linked to the property in the event of either of them dying as it would clear the mortgage. In 1992 my grandfather died and whilst dealing with his affairs, my mother (and I as a teenager) visited our local NW branch where we were told that the mortgage would be cleared in full due to his death. The amount at the time was circa £20000. This was a Friday afternoon and I clearly remember how relieved my mother was as this was a huge pressure lifted off her mind. Our home was secure. We had been asked to return on the Monday morning following which we did. On arrival my mother was taken aside and apologised to by a senior member of staff. There had been a mistake. Due to my Grandfathers age (72) the insurance would not pay out as he was not covered. The premiums were up to date and like I said the policy was sold less than 2 years previously. Apparently he should never have been sold the insurance policy due to his age at the time of taking out the mortgage. My mother was very upset and the member of staff apologised again stating that due to the mistake, the NW would refund the policy payments made. It was a few hundred pounds and no where near the £20000 she was expecting to be getting paid out that day. And that was that. Back then with no internet and my mum was a lay person, she took what the NW said at face value. She was a long standing customer 15+ years at the time and trusted the staff to know what they were saying - even though they had messed things up big style when selling the policy alongside the mortgage less than two years previous. Ive tried looking online but to little avail as this seems quite a rare instance nowadays. Can anyone advise as to the best way to try and gain some redress with this issue please? I think it was handled appallingly and NW should have swallowed the mistake back then. Thanks.

hi folks, in a bit of a predicament regarding an accident back in July 2016. I am insured through Allianz through safeguard for my motorhome insurance, back in July i had a buyer for it, so decided to use it one last time before parting with it. on my way home, passed through a town not far from my home address, is a narrow street, with cars parked down one side, in designated parking bays, but these take up half of the road lane, meaning anyone passing will have to straddle the other lane of the road, the wrong side, the other lane has double yellows, so no parking. This was the lane i was travelling along, when approaching near the end of line of parked cars, this driver decided not to wait or give way to avoid an accident, the road is clear to see if anything is coming, and parts where you can pull into to allow the oncoming traffic to carry on their journey. My motorhome at its widest point is just under 9ft wide, taking up its presence on the road, the main street is that narrow at points, it is not safe to pass, as their is just not enough room, when i realised this driver was not going to stop, i slammed on my brakes, almost at a standstill when he hit my mirror, smashed it, dented the door, and scrapped along the coach body of the motorhome. i pulled into the space right across the road from me, where he should have pulled into, he admitted he should have gave away, then saying he was as far over as he could go, meaning if one of the parked cars opened their door, he would have taken that off, as well as hitting me, exchanged details, to find out later he is disputing the claim saying it was my fault, when he was on my side of the road, nowhere for me to go to avoid him, other than mounting a pavement or driving into a building, one of the local businesses seen what happened and gave me his contact details for a witness. My problem now is, the insurance company say they have not received anything from him and him saying he has sent them it twice, and without this statement i would have to accept responsibility or go 50/50, i have even given them a dash cam vid of the road and where the accident happened, not a clip of the actual accident, but more to show the condition of the road, and space with passing cars in both directions, they are now saying that they can check this on google, and because the clip is not of the actual accident, it would not count. Now google cant show the road conditions, of passing cars, and the clip was done to prove this fact, seems to be a known area for this happening, informed them the repairs would not be done until it had being resolved. Recently got a call from the bodyshop saying the insurance company has now authorised the claim, and booked it in, i presumed it had now being resolved and the 3rd party had accepted responsibility, no letter, call or email from my insurance to tell me this, when it has not being resolved and i would have to pay the 300 excess, depending on how the 3rd party goes, it would be claimed back from their insurance. I feel now they have taken the upper hand and forced me into a position, where i have told them i will not accept any responsibility for the accident, and prepared to take it to court, where i was informed it would not go to court as the claim was under 1k and my only option is to accept a 50/50. I have also had a lot of out of pocket expense, as the motorhome is now not worth what i had a buyer for it last year, and as they have not got the witness statement, then i have no case to answer and will have to accept 50/50. I rang the motor legal protection i had on my policy, found out this is a complete waste of money as they offered no help at all, and said it would be better to just accept 50/50. i have being up a few times to see the witness, even leaving him a copy of the witness statement for him to sign, has asked me to come back for it next week, but if i have problems getting this off him where do i stand, what can i do, as it will also affect my future insurance, and for an accident where i was at no fault at all and thoughts on this would be greatly appreciated

Hi, I was living in France and had a French Mortgage for 200,000 Euros in 2009. Unfortunately I lost my job and I had to return to the UK, I paid what I could to the Bank over the next few years, but one day in 2012 the Bank informed me that the outstanding Mortgage was paid off by an insurance policy. I rented the house out to tenants after making enquiries and paying a Notaire to see if the house was actually mine, I was assured it was and assumed that I had taken a policy out at the time of purchase. Last year I agreed to sell the house to my tenant, it was then discovered that the insurance company Credit Logement had put a charge on the house in 2012 for the outstanding amount of the mortgage they paid off plus interest. I have been living in the UAE since 2010, and my tenant in my house in France since 2011. Neither of us had received any notification of any actions or judgements against me. I was totally unaware of any legal proceedings whatsoever as the papers were served to an address in the UK, I hadn't lived in since 2010. We are in a stalemate situation at the moment with the Insurance Company threatening to re-possess the house since May 2016 but have they have not made any moves to do so. The Paris High Court served a Judgement against me in March 2012 with the insurance Company putting a charge on the Property's Title in August 2012. Does anyone know if these outstanding debts have a Statute of Limitations? Any advice would be gratefully appreciated. Badhorsey

Why does my insurance company who gave me a quote, not allow me to pay monthly because I was truthful and said I had a CCJ,they didn't even do a credit search. My sister who is financially connected to me, got insurance from the same company, and got monthly payments. Surely if I didn't pay they could just cancel the insurance? Very frustrating

Hello everyone, I took out a vehicle insurance online via one of the van insurance comparison sites beginning of this month and paid the deposit of around £250 upfront with the first instalment of £130 coming out shortly after on the 10th of Feb. Now, I just got home and had a letter (dated 20/02) from the insurance company, or rather the broker as it turns out, telling me that the insurer (they don't mention the name of the insurance company) advised them that my policy must be cancelled within the next 7 days. "This is because of where your vehicle is kept overnight". The vehicle is kept on the road overnight, as I indicated on the comparison site, which based on all the information I have given listed the different insurers and their premiums, from which I had chosen this one. The letter goes on to say that I urgently have to contact them so that they can place me with an alternative insurer. Now I have a few questions: 1. First of all, I think this smells very fishy and I have doubts that this is legal? 2. I provided all the information beforehand, based on which I was given a premium. If this would have been an issue they should have not let me take out the insurance in the first place? 3. The vehicle is kept on the road overnight. I did not lie. It's not like I said it's kept in a garage when in actual fact it isn't. I mean everyone keeps their vehicle on the road, or at least the majority of the population? This would mean they would only have a handful of customers? Again, another reason why I think it doesn't make any sense? 4. Do I have 7 days from date of receipt of this letter, ie from today until the policy would be cancelled? 5. If I don't agree with this and they cancel me completely or I want to leave them as this is not a very honest start with them, can I get my money back? I haven't even been with them for a month. My installment from the 10th should at least take me up to the 10th of March, not to mention my £250 deposit I paid at the outset? 6. The premium is set up to be paid monthly through a financing deal, which I signed. Am I now required to pay the full premium every month to the Finance guys, even if the brokers or I end up cancelling altogether? I would really appreciate if someone could explain the legalities of this all to me before I give them a call as I don't want to end up playing my cards wrong. Should I get legal help/advice to get my money back? Get in touch with watchdog? I am a bit at a loss with this as you can probably tell so any information would be greatly appreciated. Thanks a lot in advance!

Hi all, I cancelled my vehicle insurance over the phone and was told that there was nothing more to pay, which surprised me as I thought there would be a cancellation fee, even though it was only 6 weeks until the policy ended. I then received a letter in PDF format via e-mail stating that I had cancelled my policy with a breakdown of how much I'd paid etc and then it stated that there was a NIL BALANCE. It was signed. I then received another letter in the same format telling me I had to pay a cancellation fee of over £150! I phoned them and they said that this was an error. 2 months later I received a letter from a "Solicitors" (DCA) saying that I owed this amount plus fees. I phoned them and explained, and then e-mailed them with the attached PDF stating I owed nothing. They then replied saying that because the letter stated at the bottom "this is subject to change" then the debt is enforceable but they would speak to the OC and get back to me. They have got back to me saying that the original letter was an error and that I do owe the amount stated. Here is a copy of my e-mails to them and the ones they have sent back. "Dear Ms XXXX * Further to your recent email, we have been in contact with the client and this is the response we have received:* * 'The letter attached to your original email was incorrect, this letter was followed by the attached letter advising of the outstanding balance'* * Please see attached document.* * You have an outstanding balance, therefore please contact us on 01707 XXXX to discuss payment methods, quoting your reference number:*XXXX Kind Regards, * Insurance Collections Bureau. " My reply to them. "Dear sirs, * I have spoken to my solicitor about this and showed him the attached. * He has advised me that, although the original creditor states it is an error, one cannot just send out a letter stating that there is no debt, and then simply decide that there is. The letter is signed and dated. * I therefore consider the matter closed and any further correspondence from you will incur a*charge of £12.50*for my time. However if you would like to discuss this further with my solicitor, Mr. Andrew XXXXXXXX, would you be happy to contact him directly in writing? * Regards, " Their reply: "Thank you for your recent email. With regards to this, I advise you or your solicitor to contact the client directly as we have advised you of their response, we will continue with our process until advised otherwise by the client.* Additionally, we do not have a contract with you, therefore you cannot charge us anything. Kind Regards," My question is, shall I ignore them for now? Or just send them an invoice straight away? I don't believe I owe them anything at all. Also I am considering sending them a section 40 notice (administration of justice act) but I will of course be sending that by recorded post.

Hi all just wondering about the doorstep collectors using their own cars and if standard insurance will be enough or will they need something like hire/reward policy. sorry if this has been asked before.

Hello Friends, Are Insurance companies allowed to sell policies to people who are not eligible? I had bought MMS homeowner policy in Dec-15 and when I went to claim today, they refused saying that I was not holding mortgage in Dec-15. I had a mortgage in Feb-16. i had taken this income protection policy in Dec-15 in advance so as to protect me from commitments of mortgage. How was I wrong in that? I don't remember what questions the seller (ActiveQuotes) asked me when selling this policy with regards to my eligibility. Its possible that because I was going to have a mortgage soon, just waiting for exchange to happen, I would have said that I have a mortgage. However, that is speculative. If it was so mandatory should they not have asked documents to prove my current mortgage. They did not give me insurance initially in Sept-15 as I was still in probation and had not covered six months with my current employment. So should they not have checked for my mortgage as well. And given that I anyway soon became mortgage owner, do I not come under the cover. Excerpt from the Policy: You are eligible to take out this cover if you are: Living in the UK. Named as a person responsible for a mortgage or named as owner of your primary residence. Does this clause mean that I could not have bought the policy? Any ideas on this, please. Can the insurance companies sell such important policies without checks and only to leave the person stranded when he needs it?

I know many people here is not legal adviser, But The advice as I could get from this website always was more useful instead any lawyers or citizen advice bureau. Thank You My car Insurance payments: I insured my Second car since February 2016 for Premium: £1124.00 Sub Total before credit charge: £1124.00 Motor Premium Tax: £106.78 Total cash price: £1230.78 Total charge for credit: £111.28 Total amount payable for policy term: £1,342.06 In less of 20 days a Car accident happened Tried to get some advice from a legal firm about this case: I gave my case to a legal firm To advice me what they can do for me. But the company made a claim without any discussion, permission or confirmation. The third party gave a cheque for my car value to that unauthorised solicitor, But I never received the cheque, Because the firm tried to force me to sign a Client care pack. amended the contract and increased I did not provide my No claim bonus discount to them; ten days after the car accident they have amended the contract and increased my policy payment to 2367.94 I did not accept and send a complaint letter to them, They cancelled my policy and asked me to make a full payment as well. However, I paid them in full; They send a default notes to my credit report. The third party made claims against me to My insurance. My insurance informed me, they would like to settle the matter in 50/50, without accepting liability, if not, they would accept it in full. ( All communicate or conversation was by the emails and letters.) County Court Claim Letter After few months, from the Country Court, I received claims against myself letter under my name, to my address. I passed the letter to my Insurance by Email, And asked them if I need to respond to this letter!?; they told me, no, you don't need to do anything and when they settle the matters they will notifying me. CCJ On Credit Report Under my membership account with the credit expert and the Equifax, I informed about CCJ on my report but five days after the judgment date. My insurance forgot to respond to the court. They were apologising me. And told me they would remove the CCJ as soon as possible, because they did not update me on what's going on, and I could not trusting them anymore or take any risk, a day before the end of 28 days, I paid myself to the third party £3 039. I need help Because I was in a very hard situation during the last nine months. There are too many mistakes in my case from the beginning by my claim case worker. As she gave some comment without looking at the vehicle photo, and when I told her you could ask for the CCTV's Bus, she said, The third party representatives looked into this aspect of the claim and were advised that no footage was available. They did not tell me that I have to transfer my insurance to the other car. When I called them many times to talk with someone to explain to me, how they calculated the outstanding balance, if I need pay the full payment, need I pay the credit interest as well or APR? They did not tell me. They must have full responsibility for my accident and any matters as they promised me when we make a contract. I know under the credit agreement they should make a cleared about my policy or my credit agreement or any amended section in my contractor me as a customer. Many hours my time be wasted because They asked me to paid them in full. They did not respond to me when I asked them to make a clear the amount as they are asking me to pay, they wasted my time on the phone line in some hours, without providing me without any useful information. I paid them and asked them to remove the default from my credit report; I asked them by the phone and email, they did not accept and send a copy of the credit agreement act and told me you have breached our contract. The default on my credit report have not any good or any bad effect to that company, but the default have many effects on my daily life, Thus I don't want to accept any apologising from them, I Have some Question: I have got this insurance from 18 of February 2016 the accident happens on 11 of March they changed the policy on 24 of March Have I any right to not agree with the new agreement ( Agreement on 24 of March )or monthly payment plan? How should I receive the default notice when I had an accident, and I was not in any good situation? Because I paid and settled the country court claim against myself, They Own my money, is any way that they get the country court on their business credit report? This paragraph was in my insurance letter to me, What're means? I understand that you have satisfied the judgment of £3,093.53. You have the benefit of comprehensive insurance, for which you have paid the insurance premium. So, you should not be out of pocket any further. The accident was not my fault, Can I appeal to the court and defended myself? From the beginning, it is very clear as they don't want act for me. If they do act for me, what was the point for them? If I did not pay to them, by the law, have they any responsibility to acting behalf me or no? if the accident bee 50/50 what was the effect on my future insurance? which payment could I receive? and now I am 100% fault , what is the effect on my future insurance? which payment could I receive? Please Note: I have 11 years old no claim bonus discount as I used on my other car, I never have any accident before, and I have protected my no claim bonus for 2016-2017 not before.

http://news.sky.com/story/car-insurance-costs-rising-five-times-faster-than-train-fares-10740471

In November someone drove into me and my car was written off. At the scene they admitted responsibility and I got the contact details of a witness who verified this. Following the crash the 3rd party decided to contest their liability which delayed my payout and meant that the case remained open, meaning that in the eyes of any prospective insurers I may possibly have been the guilty party... This meant that I couldn't afford to insure the car I'd been offered the use of over Xmas (thank you Ella Mullin x) so I had no wheels during the holiday period. All of this was bad enough but now... they've finally accepted liability, paid me out and I've got my ncd back again yet... I'm still being quoted twice as much for my insurance. I'm furious! I'm the injured party but my premiums have doubled - is this legal?

Have you had render by the The Wall Coating Company (TWCC). Did you get a 20 year insurance policy for the work? Your insurance policy may be worthless. I contracted with the The Wall Coating Company who (6 months and many many problems later) completed the work and sent a Guarantee certificate and an Insurance Policy Document. My insurance policy policy stated that contractor was WCC Systems Ltd. The contract, work and payments are all to The Wall Coating Company, so who is WCC Systems Ltd? I have been told that The Wall Coating Company is a trading name of WCC Systems Ltd and they, but neither I, the broker and the Insurance company have any paperwork that shows that. The address and phone numbers for the Wall Coating Company are totally different to WCC Systems Ltd. I queried this with the Policy Broker and they confirmed that, because of the different names on the different paperwork, the Insurance Policy is (or could potentially be) invalid. After some discussion, the broker will be sorting out he situation by amending the policy document to reflect that The Wall Coating Company is the trading name of WCC Systems Ltd. So. Have you had render done by The Wall Coating Company (TWCC)? Take a close look at the part of the Insurance Policy Document which states who the Contractor is. If it says WCC Systems LTD and your guarantee certificate is by The Wall Coating Company, it may be invalid. If anyone is thinking of contracting with The Wall Coating Company, be prepared for poor quality render (wonky, corners uneven, not level, not straight etc.) with the render dropped over your brand new windows and your paving slabs. Then be prepared for 6 months of trying to get the render to be put right. Eventually you may get hold of the Director Michael Richard ACKROYD who will deny any problems, accuse you of nit-picking and nagging and then threaten to send a team to remove the render from your walls.

For many years I've religiously renewed my breakdown coverage because it's very cheap - £15. During that period I think I've used them only once before, but recently I punctured five miles from home. Ordinarily I would put the spare on myself but, Sod's Law, only that morning had lent someone my repair kit and didn't have it back yet. Rather than walk home, I decided to use breakdown. When I rang, they told me they couldn't find my details and said I hadn't renewed, but I was adamant that I had. They agreed to send someone in good faith providing my details could be clarified (I was also given the impression that if there had been a problem with the renewal, it could be rectified). As it was, it took them four hours to get to me (had I known it would be that long, I'd have walked home!). This prompted them to, the following day, ring me and offer £50 compensation. Now I've received a threatening letter saying I didn't renew and they want paying for everything. I'm assuming they mean the £50 and the cost of the (third party) breakdown guy. They haven't put a figure on this but I dread to think what it is. Having now checked, I found that I haven't a renewal policy. Further investigation shows that I sent them a cheque (which I have proof off) but, again Sod's Law kicking in, the £15 cheque that was subsequently cashed on my bank statement, and that I therefore assumed was for the renewal, was actually a late cheque that I'd written three months earlier, cashed late. So what now? I know that I sent them the cheque, so feel like I'm being punished because they lost the cheque. I know that I won't be able to afford whatever figure they come out with, and most certainly wouldn't have willy nilly rang for a breakdown guy to come out had I not thought I had coverage. Thanks in advance.

Good morning, My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test. They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles. a few weeks ago she was involved in an accident which wasn't her fault, the other driver admitted blame immediately. The claim has been settled and they have sent the cheque. Now, the problem is the charges they want to slap on her. Her car was a write off so she is going to buy her brother's car. They want to charge her £150 for a new black box and £100 to change the details on the policy to the new car. This sounds totally unreasonable to me and is a loss on her part seeing as the accident wasn't her fault. Baring in mind the black box only cost £50 to fit when she first took out the policy. She's young and inexperienced and doesn't know what to say on the phone. Last time I tried, they wouldn't speak to me, but surely if she gives her permission that should be fine? I need to fight her corner for her as I can be stronger on the phone. I need some advice as this charging can't be right. It's a total rip off to me. Any advice would be greatly appreciated.