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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/
      • 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.
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      • 0 replies
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Can someone please help with the following...

 

I live in a 2 bed flat and although I share the flat with another tenant we have separate contracts. I have a contract for my room and the other tenant for his own room.

Although my current contract only ends in November 2009 I have managed to renegotiate the rent/contract with the landlord.

 

My query is how can the new rent be put in practice before the end of term of the current contract?

 

is it ok to just write a letter stating that from x date the rent will be x and the end of term for the extension of the contract is the following year, as long is both signed by tenant and landlord. Would this be legal? (meaning I wouldn´t be obliged to stay for 6 months if i wanted to leave before and would continue with the option of one month´s notice)

 

or should I just give the required one month notice and sign a completely new contract with the new rent and end of term date? (in which I will definitively have to stay for at least 6 months before the break clause is valid)

 

I know this topic might seem a bit frivolous but my current flatmate is leaving and my landlord chose a guy for the new tenancy ( although I asked to limit the choices for a girl) and I´m slightly concerned to get stuck such long time in a 2 bed flat with a guy if i don´t feel safe.

 

Please advise...

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Can someone please help with the following...

 

I live in a 2 bed flat and although I share the flat with another tenant we have separate contracts. I have a contract for my room and the other tenant for his own room.

Although my current contract only ends in November 2009 I have managed to renegotiate the rent/contract with the landlord.

 

Do you mean you have negotiated a change in rent for the current contract. If so, you can let the contract roll over to a periodic at the end of the fixed term in November instead of signing a new fixed term contract. This would mean you could leave by giving one month's notice.

 

My query is how can the new rent be put in practice before the end of term of the current contract?

 

Surely this was part of the negotiation? If it applies to the current contract, then one assumes your new rent is payable from the next rent pay date. Check with the landlord.

 

is it ok to just write a letter stating that from x date the rent will be x and the end of term for the extension of the contract is the following year, as long is both signed by tenant and landlord. Would this be legal? (meaning I wouldn´t be obliged to stay for 6 months if i wanted to leave before and would continue with the option of one month´s notice)

 

or should I just give the required one month notice and sign a completely new contract with the new rent and end of term date? (in which I will definitively have to stay for at least 6 months before the break clause is valid)

 

Really do not understand what you are saying here. If you have an AST till November 2009, then you cannot leave before then, with or without notice.

 

Please clarify the details


Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

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