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    • EU deal replicated 'as far as possible' ... aka less than   "The British Government is continuing to work intensively on securing continuity with other countries. We have secured agreements – either signed or agreed in principle - that account for 64% of the UK’s trade with all the countries with which the UK is seeking continuity, should we leave the EU without a deal."   With what I've seen on that page I linked earlier, that would seem to be decidedly unambitious 'trade deals across the world larger than the EU
    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . 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
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      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.
       
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    • The controversial sub-prime lender says the City watchdog is investigating its practices.
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Hi everyone this is my first post allthough I have been a regular visitor for a while now. My problem is council tax arrears and I am at the stage of complaining to my local council after the bailiff visits. On ringing the bailiff and explaning I had only missed 2 payments and my account was still active he told me if the council rang and recalled the debt it would just go back to a regular payment to the council again. I did this and the council guy flatly refused and also refused to accept any payments off me. I have now carried on paying the regular payments directly to the council regardless and they are recieving them. However I still have the spectre of the bailiff hanging over me and just the whole thing is driving me insane with anger, rage, despair I guess you've all been there. Anyway I was wondering if anyone could post in list form the correct procedure I need to follow to resolve this mess as I have become so bogged down with it all I don't know how to make sense of it all anymore. Sorry for the long post. Any help would be greatly appreciated.

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i think you need to post this in the bailiffs forum not in letter temples section

 

i'll get it moved for you

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thread moved ;)


 
 

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Sorry new to this and thanks.

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Have a word with you Ward Councillor & MP, they should be able to help.


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I can get you the details (phone numbers and email addresses) of the managers in your local council (council tax department) if you would like them. They are not available to the public. These are the people to deal with if you really want to be heard.

I have them for most, not quite all but I will get them if I can.

Oh and I need to know the council, obviously!

Just let me know.

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Any numbers or email addresses for Hull City Council would be greatly appreciated thanks.I have written to them again asking them to recall the account from Jacobs and will post it as registered and have emailed my local M.P and local councillor.

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Correct procedure of complaining to local council

 

A good question.

 

I have been speaking with the Local Government Ombudsman's office on a seperate matter and they have told me that if you have a Compliant for the Council abouth their bailiff's then you MUST do the following:

 

You must ENSURE that you mark your letter: FORMAL COMPLAINT.

 

Your letter should be addressed to the CHIEF EXECUTIVE and should be COPIED to the COMPLAINTS DEPARTMENT ( this will ensure that it is registered as a formal complaint).

  • Haha 1

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Thank you I didn't know that, very helpful. I am also not sure if I am required to write to Jacobs and tell them what I am doing and inform them I am paying the original amount only direct to the council. Anyone help with this one please?

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Thank you I didn't know that, very helpful. I am also not sure if I am required to write to Jacobs and tell them what I am doing and inform them I am paying the original amount only direct to the council. Anyone help with this one please?

 

The bailiff is working as a AGENT for the council and therefore the local authority will no doubt keep them advised...HOWEVER....my advice would be to ensure that you copy them in with your complaint.

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