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  1. Hi All. I am having a real headache at the moment with homeinsure.co.uk / Thames bank insurance. Background: I split up from my ex-wife some time ago, but as we own a property together (wholly on my name) and no one else lives at the property, i still left some of my contents there as it is the safest place for them. This included some photography equipment, cycles etc. Additionally, all the bills etc on the property are on my name as i deal with anything official in relation to the property. The building is insured via a block management policy. History: Back in 2016
  2. Hello, How far in advance can you renew your UK passport? If lost or stolen i guess it would be from the date of it reported lost or stolen? Thanks.
  3. Hi A few years ago we took out a bridging loan with Lancashire Mortgage Corporation/now Together. In the documents sent to us was an "Offer Letter" which confirmed the amount to be borrowed ,rates of interest etc but NO mention of any renewal fees of 5% of the total loan. In fact in the letter it states "Exit Fee-£0". Very misleading. It was however mentioned in the Bridging Loan Agreement and this was missed by us, solicitors and broker (allegedly) !!!! We are taking legal action against the solicitors and broker but this company Together are completely out of con
  4. Hi all, Just a quick question. Can a private landlord charge tenancy fees every time they renew your tenancy? Only asking because we have been living in a property for just over 4 years. The original tenancy we signed upon moving in was for a period of 1 year after which it was never renewed. The landlord has now popped up after 3 years wanting a rent increase and to renew the contract (BTW we have no issues with the increase or the renewal) but he wants £50 the renew the contract and an extra £25 so he can top up our deposit to a higher amount. Can these fees be charged even though we are not
  5. Hi Asking for a friend Can someone please confirm that a straightforward passport renewal doesn't need a counter signature. There's no change of name or much change to appearance so from what I can see just need to fill forms out and supply new pictures? They've got an appointment at the passport office on Wednesday so just want to make sure everything is correct before travelling up there. Thanks
  6. I signed up to AA home insurance February 2017. I paid circa £120 up front for the year. I moved house in November 2017. It was cheaper to go with someone else, so I called aa to cancel my existing policy and also cancelled my dd. It seems that they tried to auto renew me in february and failed to take an annual payment. I have post redirection but didnt receive any notification of this. I have now received a default notice and a request for monies. After speaking to their customer service manager they have promised to review their records to see if I did call or not. I can
  7. RAC to apologise to 1 million customers for breaking insurance renewal rules The RAC will be apologising to more than 1 million customers for falling short on rules on insurance renewals. The motoring organisation has become the latest – and one of the largest – businesses to be rapped by the Financial Conduct Authority watchdog. Rules introduced by the FCA a year ago require firms to clearly show the insurance premium a customer paid last year alongside their proposed renewal premium. They also require firms to show a “prominent, clear and straightforward message” to encou
  8. Well, it's that time of year again Car insurance renewal came through the post at £414.23. And that's with 5 years NCD (wanders off muttering about money for old rope etc) Had a look at the Meerkat and on You're So... Found a policy for exactly the same cover with the RAC (as broker) for £310. Insured by the same company that wanted over £100 a year more! My current provider had flatly refused to budge on their renewal quote. You really couldn't make it up sometimes (unless you work in insurance it seems).
  9. In simple terms i'm self employed and have been here since october 2010, up till October 2016 the tenancy was not in my name and was paid monthly but they moved out so at this point the landlord agreed for me to pay 6 months in advance because I was unable to prove enough earnings due to being self employed. I have renewed twice paying the 6 months in advance again so 18 months total but this time they want to put the rent up £300 a year and are asking me to pay £60 in advance to reserve. I'll be honest its doable but its a real struggle this time finding over £4k. Logically it should be
  10. Hi all I've just been pulled up by the police who told me, to my surprise I had no insurance on my car. Our insurance was up for renewal in January so we let it automatically renew. £200 fine and 6pts on my license I came home to see what had happened. I have been driving this car for 3 years now. The Insurance company (first Central) told us on chat (can't get hold of them by phone) the details were correct that only my husband was insured. We looked for emails regarding policy documents etc. They said that they got details from confused.com and that's ho
  11. I'm new - just registered. I'd be grateful for your advice. Mid last year I called to renew my car insurance with LV. At the conclusion of the call I was asked to pay the £40 deposit I was told that their payment system was 'broken' and that I would be called back for payment to be taken later. So far so good. My car insurance renewal was completed.... So I assumed. LV never did call me back As LV had all my details (I had been insured with them the previous year) I thought nothing of it. Several months later I received a DVLC letter informing me I was NOT uninsu
  12. Hello, My mom has just received a letter from Atos asking her to telephone to arrange a medical (within 2 days of receipt of letter). Now my mom is in no state to be calling them, we are dealing here with severe mental health issues and she doesnt speak to anyone, she doesnt even know we have a letter! She has recently been referred to the Mental Health Team and we are awaiting contact from them. When the questionnaire arrived, a local agency helped me complete the form on my mom's behalf and they said she will need a home visit if a medical is needed. The Job Centre re
  13. Hi, I was in WRAG for a year between Dec 2015 and Dec 2016, when I was moved into the Support Group. I had my ESA50 for that in August 2016 and the assessment in October of the same year. When I rang the DWP to ask about my award period, she first looked and said it ended in April 2017 but then corrected herself and said it was an 18 month award. Question is - when does my 18 month period go from? When I got the ESA50, or when I got my assessment result in December? Will I get sent an ESA50 automatically as I was last year?
  14. Hi hope someone can help. Sent my ESA renewal form in for April 6, 2017. in August received a letter confirming a f2f , but no date. I have phoned and been told I could be waiting for a year, for an appointment is this correct. Kind regards
  15. Hello, I had a 10 month policy with Elephant that ran out at the end of december, as I am not originally from the UK I wasn't aware that auto-renewal is even a thing. I did not receive any calls/letters from Elephant about a new policy. I received one letter at the end on January with my 1 years NCB with a £133 bill for my new policy that was already cancelled. Is there any way to clear my history of a cancelled policy? Thanks.
  16. I moved away from the UK some years ago, I've obtained a new driving licence in my new country but it's not an EU one or one from a country that can be converted directly into a UK licence. The date on my UK driving licence ran out in 2014 - I made attempts to try to renew it so I could at least keep it up to date but it appears you must use a UK address to update it and it is an offence to have an address on your driving licence where you are not resident. I do plan on returning to the UK at some point and as my new driving licence is not from a reciprocal country that can convert d
  17. From April 2017 insurance companies have been ordered to make it crystal clear in renewal notices how much they are increasing their premium from the previous year. The move, a new rule announced by the Financial Conduct Authority (FCA), is aimed at stopping sneaky eye-watering raises that customers often don’t notice and simply pay on auto renewal. From April 2017, insurance companies will have to display last year’s price in a prominent position on renewal notices The FCA says the move could mean customers save up to £103 million a year simply by spotting the big rise
  18. Dear all A current AST comes to an end on a property on the 17th August. When my agent enquired whether the tenants would like to renew, they told him they were splitting up. On this basis my agent advised issuing a S21 as he was concerned about affordability. The tenants are an unmarried couple with three children. One of the current tenants (male) is now starting treatment for a serious condition and now the partner of the sick tenant has texted me offering me 6 months rent upfront to stay when the AST ends as she says that they are working on getting back together and don't wan
  19. I signed up for a year of cover on a washer dryer and have just found out that they have been taking the payments since 2011 without me realising or indeed authorising it. I spoke to them and they were incredibly unhelpful - a rude and arrogant woman on the phone who said that they were not regulated by anyone and fundamentally they could do what they liked. They claim to have been sending me renewal notices each year which I have not received - I moved property so cannot verify this. Their main line of defence is that when they sent the first renewal letter it said that unless
  20. Hi I have Buildings and content insurance bought through Hastings Direct. In May 2016, we had a very large fire in our property which caused extensive damage costing upwards of £100k to repair. The cause of the fire is unknown, but it likely started in the washing machine (it wasn't on but was plugged in.) There had been no alterations to the wiring in the 10 months that we had owned the house. There is no suggestion of foul play. It is the first time I have made a claim in over 21 years of having home insurance. Hastings have now written to me to say that are refusing to invite m
  21. Hello fellow forum members I'm looking for some advise for my sister who has had her insurance renewal come through at a higher than expected price. Upon looking into the renewal, it shows her no claims bonus is at 4 years, not the expected 9years that she should be entitled to. She rang her insurance company today to find out the reasons why this has happened, and they have stated its due to an incident that occurred in 2015. To keep this story shorter, it was a 50/50 clash of mirrors... my sister informed her insurance of the incident (as you should do) and told them that she and t
  22. Its been almost a year since I took up Hastings Direct insurance and discovered they immediately turned my 17 years no claims discount into 9 years. I complained and was told I would not lose any discount despite their systems only logging up to 9 years, and despite a number of reports here that customers who did not notice that Hastings had truncated their NCD DID lose their NCD above 9 years. The renewal of my fully comp (which apparently isn't actually what I understand as fully comp with Hastings I have since discovered) with 17 years protected no claims at taking it out is being
  23. I have come to a conclusion that having a UK nuclear weapon system is not a deterent, as no PM would ever threaten to use it or actually use it, if the UK was attacked. If Russia wanted to, they could attack the UK with enough conventional weapons to wipe out most of the key infrastructure e.g power stations. I really doubt that UK, France or US would use nuclear weapons against Russia in response. They would probably use conventional weapons with NATO allies, against various Russian targets, to see if that prevented a continuing war. It would only be after a protracted conventional war be
  24. My car insurance expired yesterday and I arranged cover with another provider. Today I got an email from my previous insurer telling me that my policy had been renewed. I'm going to cancel it but can they lawfully charge me "admin" charges or other fees
  25. Hi sorry that it's another Harlands related thread. I've just been reading through a lot of them and it's got me worried about ending the contract. So I'm tied into a minimum contract of 6 months and I don't wish my payments and my membership to continue after the minimum 6 month period. My minimum 6 month period ends on 17th January 2016. I've just sent them this email: To whom it may concern, My name is Jonny Jones I am contracted to a minimum period of six months payment of £90.00 to Harlands Group for membership to London Fight Factory, my reference number to quote is: 3304
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