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  1. Hi guys thanks in advance for any replys, all help appreciated. I received a letter through the post to state that I had been charged with the offence of being the registered keeper of an uninsured motor vehicle. The letter I received was sent to my old address (mums house), stating that I either need to reply guilty or not guilty etc to the above offence. The vehicle in question was my old car that was left at my mums on the driveway for her to scrap/sell, I had moved the insurance from this car onto my new car so at this point the car was uninsured. Due to the
  2. Hi, a request for information and perhaps help. I have just found this forum and this particular thread as I searched for help relating to a very similar issue I am having with Marquis https://www.consumeractiongroup.co.uk/forum/showthread.php?486134-Marquis-Motorhomes-Dealer-Refuses-to-Accept-Vehicle-Rejection&p=5157435#post5157435 How do I go about getting some advise please. My problem relates to issues with my FIAT engine and the fact that my new Motorhome has spent weeks in the garage waiting to be repaired. At present it is at week 8 of it's most recent visit
  3. Hello. I am 2 and a half years into a 4 year finance deal on my vehicle. It is all up to date at the moment. However I am changing job this month, but am going from self employed to full time employed and paid monthly. As I have no savings I will be going a whole month with no income so I am going to struggle to pay all my bills for this month. Before I start talking to the finance company about this to try and come up with an agreement (which I don't think they will be keen to do) what are the legalities of me missing one payment? I'm assuming they can't start repossessio
  4. I am 5 months into a 5 year agreement with Specialist Motor Finance.. due to other situations, I am thinking of entering into an IVA to improve my credit situation. the agreement shows SMF "may" terminate the agreement as i would have entered into a voluntary termination.. i contact them to clarify and they then stated they would terminate the agreement, but if i continued to meet the payments i would be able to keep the vehicle when i asked for this in writing they refused. any one had similar with this company?
  5. Got stopped by 4 traffic police cars (that were on a roundabout) they checked insurance and driving license which was all good ! Then started looking around the car and said 3 tyres were rubbing as the car is lowered but not excessive (can send pictures on request) They told me they didn't know if it was legal or not so they took pictures to send away to be examined. they also threatened to take my car away from me but in the end they let me drive away. also the accident happened on 27th of june and I received the letter on 12 of july. does it matter that they sent the let
  6. Hi everyone. We've had a motor trade policy for 5 years now. 10 days before renewal this year, the insurer flagged up 4 vehicles we've had for a while, and wanted proof of ownership and V5s. I neglected to send these when requested. Over the next few days, they started sending me emails regarding renewal, and that the policy will auto renew. The policy autorenewed, but I know they always want proof of trading (ie. recent invoices) and driving licences. I could see emails coming through, that we had X days to send these documents. In all this, I understood that the deadline for the d
  7. A friend of mine has been contacted by the Motor Insurance Bureau via snail mail with a letter claiming that she was involved in a accident in December of last year regarding an Uninsured Drivers Agreement. The letter reads Does any body have experience dealing with the MIB, as my friend assures me that she was indeed insured on the date mentioned and that she was no where near the location that is stated in the letter for where this 'accident' supposedly occurred, she hasn't been involved in any accidents since purchasing this vehicle and has asked me for assista
  8. Hi all, My father has held a credit agreement between himself & Barclays since October 2014 (Credit intermediary is Cathedral Motor Co). He's already had a phone call from the dealer about refinance / settlement for a newer model & he asked me to take a look at his agreement and see if I could work out a rough settlement figure. However I've read the agreement a couple of times now, I dont know if its late and I'm tired but I dont think it's been worked out correctly. On the Pre-Contract Credit Information it shows that the cars cash price is £10,145.00, of which m
  9. Hey guys Apologies if I am in the wrong section, but I am new here! I recently had an accident with another driver where our cars collided. The third party was 100% in the wrong in regards to the accident however she is not claiming liability considering that it was her fault. I'm not here to get advice on the accident details, I am here to ask a question about court statements. When in contact with the solicitors dealing with my case for me, i've obviously given them my statement of what happened and I know i've been completely honest with this because not
  10. hi please can anybody see if this applys to me i had a car loan from park motor finance paid my fiance for 3 years of a 48 months contract got made redundant i got the default notice after 2 payments were missed i got a letter saying that they were taking me to court if i didn't repay what i owed then got another letter a week later saying if i don`t contact them it was going to court to take repression of the car, i rang park that told me i ever give it up or go to court as i could not repay at that time i let them take it fast fo
  11. My motor insurance due for renewal next month, and today received a spam email (BISL) encouraging me to renew direct, using the highly attractive offer of a £5 Greggs gift voucher! I phoned them and asked why I should take up their kind offer bearing in mind the fact that renewing direct might well cost over £100 more than buying exactly the same cover online. Other than some pointless waffle obviously from a well practised script, no real answer to my question. Thing is here though is they are offering an incentive to customers to renew direct, which is going to cost them more
  12. Hi All Blumen Cheek. I wrote to this bunch a few weeks ago requesting making lower payments etc sent recorded they signed and I have RM print out, well all hell let loose 10 mins ago within the Mr household. they took the money on the 24th? can they do this,? this has now left me short for other bills. I am thinking that maybe they went for my throat because of my request to reduce payments? I am going to cancell the dd today and send a ' strong ' e-mail and another letter, are there any quotes I need to include. Mr, Rather Angry
  13. Out of the blue, I have received a letter from MMF which outlines three debts that have been assigned to them and that they are now chasing me for. There is no detail of the debts, just the original loan company name and a balance. The three companies are Mr Lender, Pounds Till Payday and Speed Loan Finance. did have a loan wih Mr Lender that was taken out around 2009/2010 but I was under the impression that I had paid this off, although I don't have any documentary evidence of this. The other two companies I do not recall having taken
  14. I have been insuring my kit car with Adrian flux since 1980, in 2004 I insured my Pajero, I recently changed the Pajero for a newer 4x4, as I had 6months to run with my insurance I stayed with Adrian Flux, big mistake! they told me that my current insurance company wasn't the best for the new vehicle and recommended cancelling my remaining 6mths and getting a 12 mth policy with Aviva, they are the experts? so I complied. they allowed me £140.00 pounds for the remaining 6mths and charged me a further £326.43 a total of nearly £470.00. I then went on line and checked out vario
  15. Why when insuring my car why would the insurance company need to know my credit rating?
  16. Hi, My apologies if this issue has been posted already, I couldn't find similar issue. I bought a second hand car in September. The car is just under 11 year old. I was given the "MOTOR VEHICLE REPAIR AGREEMENT" for 6 months. I drive the car only on weekend clocking up no more than 30 miles a week. Until last weekend I drove to Paris. Everything was fine until, on my way back I heard a funny noise on the brake. When I stopped and checked I realized the pad is totally gone and its has damaged the disk. There is no warning nor any sign whatsoever.
  17. This week yet another person has been found guilty in court of cutting off a vehicle clamp and unfortunately this case is yet another one where the 'ownership' of the vehicle is highly questionable. In brief, the individual attempted to justify his action on the basis that he claimed to be the 'owner' of the vehicle that had been clamped. He stated that he had not received any documentation in relation to the contravention. On this point he would have been telling the truth given that all statutory notices are by law sent to the 'registered keeper' (this is the person whose name appear
  18. I have an insurance issue I haven't been able to resolve to date. The incident occurred just over 3 years ago. My vehicle was sideswiped in England by a Turkish driver / Turkish registered HGV. My vehicle was being driven by a US resident named driver on my policy. At the time the incident was reported to my Irish insurer for information only and an attempt to pursue losses set in motion using my ULR (uninsured loss recovery) insurance. Liability has not been settled. The only offer so far from the TP's UK handling agents is a 50/50. On the other hand, to date, no counter claim has b
  19. Hi all Hopefully this is the correct place to post my problem.Sorry it is a bit long winded but am at my wits end now!! My current van insurance policy began in Febuary with Commercial Vehicle Direct(CVD) and underwritten by Ageas. In May I received a letter from the motor insurance database(MID) to say my van was not on the database and for me to take action. I immediately phoned CVD who told me the problem would be sorted out in the next few days so I thought nothing of it. I was pulled over by the police in June during the day because my reg plate came up as uninsured on the
  20. I have received an email from a company called Motormile Finance, they say thank you for payments on my account and they wish to work with me on a manageable repayment plan. I do not know of any debt with this organization. I did , two years ago, have a lot of problem with debt - I was unemployed for a while and experienced quite extreme depressions, I got into a mess and made some bad choices. I did have two payday loans which I stopped making payments on - I had repaid the original amount but not all the interest. One was lending stream and one was my jar. I intend to contact them
  21. Hi All As title stated, how can insurance company cancel policy for no reason or even false reason. I had a motor transportation insurance which been cancelled by the insurance company with no reason giving and even without my knowledge, Did read some thread over here claiming insurance company only require to sent a recorded letter regardless if received or not and regardless of the cancellation reason. The cancellation has cost me so far £20000 refund for customer's booking. hire purchase, rent , mortgage, wages. and had to shut down my business totally as no any other insur
  22. Hi All, Sorry about the title first of all as did not know how to categorise the issue. I bought a vehicle yesterday (18.10.2014) from a dealer / trader around 135miles away from myself, the vehicle is bought for the better half (the wife) and was located on ebay at a fixed price / classified ad. I called the dealer / trader up around a week before and was advised the vehicle is all fine and no issues with it with a full service history and MOT records. I wanted the vehicle for the wife as it was top spec and an upgrade I was advised I need to leave a holding deposit on th
  23. Hi I have recently bought a 8 year old van the van was scrap engine had blown up and I payed cash to the original owner. The vehicle was on lese purchase and wich he said he had paid all in total the. The finance company have contacted me asking for £500 to settle bill?? Just looking for some advise on how to deal with this situation Many thanks
  24. Been contacted by MMF into a payday loan Im supposed to owe. In short they say the account defaulted in August 08 although I never received a default notice. I have never made a payment since. However in June 2014 I made a letter of complaint to the payday loan company which contained the words "I have a payday loan with your company..." Does this extend the statute of limitations?? I've a feeling I messed up. Any help appreciated.
  25. A careful driver who only nips to the shops: why was Stan asked to pay £12k to insure his Fiesta? Millions of elderly motorists taken for a ride
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