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    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
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    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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bottomburp

proof of service - I don't think it was sent

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How can you prove something didn't arrive in the post? We think they've made the whole thing up and drawn up a "copy" for use in court. We don't think it was ever sent.

 

I know the court always believes that if someone says it's been sent then it must have arrived but that is, as we all know, far from the truth.

 

Our local council recently sent out tens of thousands of letters; about half never arrived. I recently sent a recorded delivery letter - according to the tracking service it never even left the post office I sent it from - it certainly never arrived.

 

This "if it's been sent then it must have arrived" attitude is manifestly unfair - we all know that Royal Mail loses millions of letters every year.

 

Any ideas anyone?

 

Just adding an extract from Royal Mail's Terms & Conditions:-

 

7 Our responsibility to you and your responsibility to us Loss or damage

If any item you have posted under this agreement is lost or damaged while it is with us, and you provide satisfactory proof that you posted it and we received it, we will pay you compensation for the item and its contents based on the actual loss you suffer.

Edited by bottomburp

My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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Put them to strict proof of postage in court.

 

You could also request a copy of the neccessary documentation under a Subject Access Request which will cost £10.00.


 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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OK, so I ask them to prove it was sent. What if the judge says "they don't have to do that. If they say they sent it then it must have arrived"?

 

I've been looking at the Consumer Direct website and it goes on about how you need proof of posting if you want to make a claim for compensation. As does the Royal Mail website - is this sufficient evidence that some things do go missing and that the currently accepted guidelines regarding service of documents is wrong?


My posts are offered informally, without prejudice and without liability. You should seek the advice of a qualified insured professional.

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