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    • 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.
    • Hi   I am sorry to hear of your recent loss   The Club I assume you joined would more than likely have had Terms & Conditions, Data Protection, Privacy Policy and did you sign any Agreement to join that CLub?   On Facebook did they actually Name (use your name) on the posts or did they use mum/mother etc?   As has been asked could you give us some background for your reason to send the SAR. If they have refused to give you certain Personal Data under your SAR request then I would suggest writing to them and refering to your SAR Request and their refusal to provide XYZ you requested and that you require clarification as to why this was refused and under exactly which Article of the General Data Protection Regulations (GDOR) they are relying on for this refusal.   The Clubs Constitution is only how the Club is setup you need to ask them for copies of the following:   Data Protection Policy   Privacy Policy (note the above policies may be on that Clubs website if they have one)   This link breaksdowns the General Data Protection Regulations (GDPR): https://www.privacy-regulation.eu/en/index.htm      
    • who assured you you'd get notification of no int time limit ending? thats not a normal MO of these BNPL agreements they are not onliged to warn you?   when did you rake this out and when did you try to pay the Org Sum?      
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • 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/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
sorrylittlelot

GAME - Extreme rock paper scissors

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Recommended Posts

Anybody fancy a new game? rules are below -

 

Extreme rock paper scissors - one person posts a picture and the next must post a picture of what can beat it, e.g. person 1 posts a picture of a tree, then the next person would post something like a fire or an axe.

 

I shall begin

 

ice_cubes.jpg

 

 

ice cubes


I'm worse at what I do best and for this gift I feel blessed

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?rm=click&mod=images&url=http%3A%2F%2Fstatic.flickr.com%2F102%2F368541180_cbc642687f.jpg&clicktype=100&userid=13028275&toolid=58757

 

hot coals

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Sand%20bucket%2001.jpgbba7c7a4-e6c5-4c73-aaa9-55f59c0fed21Large.jpg

 

Big bucket of sand ;)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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nuclear_testing.jpe

 

Nuclear Fission - Obliterates sand, turning it into glass.

 

I suspect the next post might have to become rather more abstract than literal...

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mother_nature.jpg

 

 

 

Mother Nature. Always wins in the end.

:-D (you were right, Tez)

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fad7970d100589b4

polution anti mother nature

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Air_Filter.jpg

 

Filters. :-D

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oil.jpg

 

:)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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It's not picture association, Clemma!!! :-D

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Ermmmm......I know, but too much oil would destroy filters - well, you would need new ones anyway :p


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Hmmmm... Spurious, but I'll let it pass. :-D

 

fire.jpg

 

Fire. consumes oil.

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FireExtinguisher(1).gif

 

FIRE EXTINGUISHER WILL CONSUME FIRE - EVEN OIL BASED FIRE


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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SexyFireman.jpg.jpeg

 

Having your own Fireman beats just having a Fire Extinguisher

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Sooooo unfair......I don't want to beat that fireman :oops:


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Bang-bang, you're finito !

 

gun.jpg


If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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screwcap.jpg

 

Screwcaps are better than corks.

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Cork is used as the core of a baseball, so

 

www.baseballrampage.com%2Fproductphotos%2F1937_display.jpg


I'm worse at what I do best and for this gift I feel blessed

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d'oh beat me to it lol, next poster can decide which to take on, the cap or bat lol


I'm worse at what I do best and for this gift I feel blessed

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vietnam national team have played china pr 4 times and have a win rate of 0%

 

so

 

rtgretgretgr.jpg

Edited by sorrylittlelot
for bookworm

I'm worse at what I do best and for this gift I feel blessed

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free_speech_1.JPG

 

The Chinese, despite repeated attempts to stamp it out, are consistently embarrassed - and beaten - by the principles of Free Speech

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Men in Black (MIB), in popular culture and in UFO conspiracy theories, are men dressed in black suits

claiming to be government who attempt to harass or threaten UFO witnesses

into silence therefore stopping free speech.

 

men_in_black.jpg

Edited by sorrylittlelot
for bookworm!

I'm worse at what I do best and for this gift I feel blessed

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Home_Office_logo.png

 

The Home Office, the dedicated enemy of all Aliens.

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