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    • have you proved at what house was it left outside of & stolen from ...yours or the neighbours? the fact it was for a warranty return means nothing. neither does it that the repairer/retailer have special instructions with DPD for them not to leave a parcel outside unless specified by a customer ..you might have overruled them with your instructions on the DPD website, you stated, neighbour/safe space?? if it was left outside your door, which you appear to indicate RE: i can't see you winning this...you created your own problem with what you put on the DPD website?    
    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
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Insurance is voided please helppp!


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Hi

 

My brother bought a car on finance and when insuring the car i was made first driver and policyholder. However when the log book was requested to be sent from my dealer but they sent it under my brother's name not mine which i didn't take note of. My brother wrote off the car, he was second driver on the insurance and my insurance is voided what can i do? i put the money into my brothers account to pay for the car. the car that was traded in when the finance for the car was taken out belonged to me... Does that make me the legal owner? Can anyone help pleasee

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The legal owner of the car is not necessarily the Registered Keeper, and in fact the Finance company could probably claim that THEY are the legal owner of the car and are renting it to you under a hire purchase agreement scheme.

 

Why is your insurance voided? what have the insurance company said?

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poss voided as the PH is not the owner or registered keeper which is sometimes a requirement when obtaining car insurance.

 

you have to out a valid argument across to explain why the policy was setup this way etc

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They may have voided the policy under the belief that you named yourself as the main driver to reduce the premium for your brother (fronting). Is your brother younger than you? Does he have motoring convictions? Do you have NCB and he doesn't? Has he held his licence for less time than you? Is it a performance car?

 

If the answer to any of these is yes then your insurer can argue that they would have never considered insuring the car, had they know your brother was to be the main driver. You have told them that he isn't the main driver, but the fact that he financed the car and is named on the V5 tells them otherwise.

 

The best way forward is to explain what has happened, from your perspective, in writing. It will help greatly if your brother has another car registered and insured in his name. If he does, send them the details.

 

If my assumptions in the questions above are incorrect and your brother is older than you with a better driving history, then you should write in and point this out. Say you were honest when insuring the car in your name and as the main driver, despite the fact that it gave you no financial benefit to do so. Explain that not noting him as the owner and registered keeper on the policy was an oversight, and send them proof that you made a payment to him for the car.

 

Tough one and I feel you are a little at the insurance company’s mercy. The policy was obtained using incorrect information and they would have certainly questioned the different owner/registered keeper had you told them about it when you asked for a quote. They may well have refused to insure you.

 

It is still worth escalating to the Ombudsman if you have no joy. Good luck!

-->> Supporting Dog Rescue <<--

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My brother is younger than me however the owner of the vehicle does not change the premiums on my car insurance for the reason that i am the main user of the vehicle. The fact that i had paid the majority of his finance which can be proved as well as the car that was traded in was under my name. the only reason the finance wasn't taken out under my name was due to my credit history i was unable to.

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