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    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @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.     
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      I was in Sainsbury’s today and did scan and shop.
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bankhater10

Friend V. Egg-Please help?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4020 days.

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Hi, my friend sent a s.a.r to Egg over 40 days ago (Recorded delievry but didn't send a cheque for £10 though) and i was just about to find/ask for the relevant letter to give them a bump as Egg never replied or acknowledged the letter but my friend 'took the law into his own hands' and re-sent them the s.a.r but, in his words, "Re-wrote the original and added a lot of stern words about me taking the strongest action possible which may lead to court action blah blah" and this time included a cheque for £10!!

What i would like to know is does he now have to wait another period of time (40 days) being as he sent the letter or can he by-pass it and send the next letter(i cant remember what it is now..)

Thank you in advance!!

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In a word yes, it doesn't appear that he followed the proceedure so they are not compelled to do the same. Hopefully it won't take them 40 days though;)

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I think the main issue for me is the lack of £10 rather than the wording necessarily. If he has now sent the £10 and you are satisfied that the wording is as per the templates for an SAR it should be fine. In my experience egg are reasonably efficient but they will not go out of their way to help either

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Thanks for that!!

So, just leave it for the 40 days then?

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Yes, if you are going to pursue anyone for non-complience then you need to be on a sound legislative footing, so it is best to be sure

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