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    • I am getting conflicting advice from friends about this issue. I am hoping somebody can end my confusion. A couple of weeks ago I took my Mum out for her birthday. Another driver scratched the front passenger side near the bumper of my car as it was parked up. There are no dents just quite severe paint work damage. He scraped his car against mine. The other driver drove off. Luckily there was 2 witnesses who got the other drivers reg number. Cut a log story short the other driver said he didn’t realise he damaged the paintwork on my car. He has however admitted liability. His insurance is paying out. Last Thursday my car was taken away to have the paintwork done. Today I been told my car has been put down as a total loss (not a write off).  As it is only paintwork damage and not body work or mechanical damage, I don't understand why it has been put down as a total loss. I have been told by the insurers I can either write the car off and receive payment to the value of the car or I can take a lower payment and get the car repaired myself.   I am getting conflicting advice from friends. Some are saying if I keep my car and get the repairs done myself the car will then be classed as a category S or category M and I will no longer be able get insurance on the car as it will be classed as written off. As it is only paintwork damage and not body work or mechanical damage, I don't understand that. My questions are  If I take the payment to get the paintwork repair done myself will I still be able to insure my car when the insurance is up for renewal? If I take the payment to get the paintwork repair done myself will my current insurance policy be voided? If my car does get classed as category M or S will the stop me from selling it on the future? Thanks
    • Yes, it is just for Tesco. But as that manager explained, those two spaces on that ground are now rented by the electric company. "What appeal?  Private parking companies never, ever, ever accept appeals - ever." What is my next move then, please? Just wait for them to issue me with whatever it is they issue, and then what? 
    • so how are you doing OP?  Letter of claim ready?
    • @fusionrox please create your own thread by clicking the button at the top of the website
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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Business Overdraft - Sole Trader


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Hello All,

 

I hope this is in the right place. First time on here.

 

Anyway, last year I had to close my business. Bank now asking for full repayment of overdraft. (I am a sole trader, so it's technically a personal debt)

 

The business was originally a partnership and the overdraft was signed by both partners (the biz account was a partnership account at that time). Three years ago, by mutual agreement, my biz partner went off to do something else and the bank account was changed to a 'sole trader' account. No new paperwork was signed for either the account status change or the OD. This was all done on the strength of a phone call to my business manager at the bank.

 

Every year the bank charged an 'arrangement fee' for the OD to continue running for another year, but no new paperwork.

 

Anyway, I wondered if there is:

 

1. Some way I can challenge the validity of the overdraft agreement and wondered if anyone on here may be able to advise what steps to take and what I should request from the bank.

 

and

 

2. Does the fact that it was a partnership, then changed to sole trader with no new agreement of any kind signed for either the bank account or the overdraft have any relevance?

 

Thanks in advance for any help or advice you can offer. The OD amount is £12k btw.

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You could send an SAR which would cost £10, the bank would have 40 days to respond to your request. You should get back all the data they hold on you which would include agreements, statements, notes made regarding the transfer of the account into your name etc.

 

O/Ds aren't covered by the CCA so I don't think you'll be able to find a way around that, but with what you get back with the SAR you should be able to determine whether there are any unfair charges you could claim back.

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Okay. Thanks for the response. So, just to clarify, if I requst the SAR it might unearth that things weren't done properly? I know not covered by CCA, but I guess there's still potential to dispute if agreement missing or some such thing? For a tenner I guess it's worth a try.

 

thanks again

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