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    • I'm going to say once again I think that you are fortunate that they didn't refuse to cover you at all. Normally insurers are looking for a way out and I think they could have been much more heavy-handed with you. I would advise you to take the money and then if you want to pursue the third party will help you. The great thing is that if you take the money from the insurer then you are left with a relatively small sum which doesn't put you at risk if you decide to bring a small claim – and if liability has been fully admitted then I don't really see that you can lose. I'm sure that the other side will bring the reduction of your insurance cover into issue – but I don't see that it is relevant to the question of their liability. Otherwise you're going to get into very complicated ground about the assessment of your failure to keep the insurer informed about your speeding convictions. I'm sorry to say but I think that it is absolutely clear that these things have to be mentioned to an insurer and it is absolutely clear that the insurer would have charged you a greater premium – or even possibly have refused to insure you. Do you have any other convictions which the insurer has been made aware of? Or did you have a completely clean licence before these two speeding offences
    • Nope not worth mentioning. 
    • Hi @Mwynci The UW threw this into the mix yesterday.    As @BankFodder mentions above they are making a meal of this, given they will be claiming back from the third parties insurer anyway given its a Fully Comprehensive Insurance.  That said they have advised this morning that they need to prove to the TPI that I've been fully indemnified and this plays heavily on the basis I've made a 'careless misrepresentation'. My view is its an oversight on the basis the contract was auto re-newed.    As stated, non fault accident, full liability accepted by third party and police log confirms this, following attendance at the scene so no dispute. Surely my insurer has no liability. 
    • Topic moved to Default Issues Forum.   Andy
    • Do it now, if you don't psy it within the 28 days the Judgment is Registered and shows on your Credit Files for 6 years.
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ronin666

Black Horse Help

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Need a bit of help with Black Horse.

 

Have a HP agreement with them for a car which i have fallen behind on and owe about£1200 in arrears. Sort of stuck my head in the sand about it because i was remortgaging and would have got the funds to pay off the loan in full but this fell thru, and now they have issued court proceedings. Stupid of me i know.

 

From the documents they have sent the court i can see that i am only £200 or so short of having paid 50% of the agreement. They have also listed just under £300 pounds worth of Accrued Late Payment Interest and Fees.

Now my queries are as follows.

1. Can i just pay them the £200 pounds to make it 50% and return the car to them. Or do i have to pay the arrears as well?

2. Can i stall the proceedings by claiming back the fees they have added claiming they are unlawful?

3. Is there anything else they have added like Acceptance fees and Purchase Fees that are considered unlawful that i could claim back.

 

I can burrow the amount required on the Particulars of Claim to cover returning the car from my parents but really need more time to sort out another car.

 

Any help and advice appreciated.

  • Haha 1

Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

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IMG%5DIMG%5D

Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

Share this post


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Anyone have any advice on this situation?


Barclays Data Protection Act sent 08/05/06

Received by them 09/05/06

Response letter received from them 11/05/06

Barclays Statements received 24/05/06

First letter to Barclays sent 25/05/06

Response from Barclays received 01/06/06

Moneyclaim filled 14/07/06

Barclays acknowledge 21/07/06

Barclays defense received 18/06/06

AQ returned to court 25/8/06

 

Cahoot DPA sent 08/05/06

Received by them 09/05/06

Response letter with list of charges received 30/05/06

Prelim letter posted 02/06/06

Share this post


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