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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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Sunny Bham

HELP, Need advice, EGG-Cabot-Morgan Solicitors & MBNA-AAROW GLOBAL LLC.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4002 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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My previous link:

http://www.consumeractiongroup.co.uk/forum/legal-issues/210134-help-please-newbie-cabot.html

1/. Should I SAR EGG & Cabot, CCA Morgan Solicitors or use some other template e.g. CPR 31.14, CPR 31.16 before the case goes to court on 13 august or try and get the CCJ set aside as I did not receive the court papers & get an adjournment on the final charging order.

What do I fill in the N244 application to get the CCJ set aside?

2/. Should I SAR MBNA & ARROW, CCA Arrow solicitors or use some other template.

Any advice would be greatful.

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My previous link:

http://www.consumeractiongroup.co.uk/forum/legal-issues/210134-help-please-newbie-cabot.html

 

 

1/. Should I SAR EGG & Cabot, CCA Morgan Solicitors or use some other template e.g. CPR 31.14, CPR 31.16 before the case goes to court on 13 august or try and get the CCJ set aside as I did not receive the court papers & get an adjournment on the final charging order.

 

What do I fill in the N244 application to get the CCJ set aside?

 

2/. Should I SAR MBNA & ARROW, CCA Arrow solicitors or use some other template.

 

Any advice would be greatful.

 

If you have a CCJ, and genuinely did not receive the papers, then service of the claim would be defective potentially, and you may have a good argument to set aside the ccj

 

However, you will need something else to go with it really, you need a good argument that you have a good chance of winning at trial really.

 

I think really, that the best thing to do is see a no win no fee solicitor as this is a very very difficult thing to do on your own

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Hi Sunny...

 

I think you need to address the Statutory Demand from Arrow as a matter urgency..i dont know enough about them to advise but you need to press your red triangle and ask site team for their help and what you should do from here.

 

I had a CCJ/Interim charging order back in Nov last year, no court papers delivered, similar to you, i was lucky enough to get the ccj set aside, once this is acheived the interim charging order drops off also.

 

Here is the link to my thread, its a bit long but may help you as mine is also MBNA/Arrow...

http://www.consumeractiongroup.co.uk/forum/legal-issues/167654-help-ccj-charge-home.html#post1806364

 

 

All the best

 

MJ:)

Edited by mandyjayne
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