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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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catgillett

Is there a decent company that will challenge my Credit Card Agreements for me?

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I have attempted to do this myself but I just cannot find the time to keep on top of this and I do not really understand the process.

 

Does anyone have any comments on companies like Cartel etc... I am sure many of you will respond to say that I can do this myself.. but I am really unsure what I am doing and would just like someone to take it off my hands...

 

Thanks alot in advance. x

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At Cartel you could claim to write off your credit card balance, resulting in having your outstanding credit card balance completely written off. Their website is as follows: (Edit) - look into this carefully to ensure there are no hidden fees!

If you would like a company to act on your behalf, I would strongly recommend, Payplan, CCCS or Debt Free Direct. These companies do nto charge any upfront fees, and they can help you in a number of ways either completing DMPs, IVAs or settlements. xx

Edited by maroondevo52
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I have had a bad experience with a big CMC.

 

When I was looking to do this, all CMC's promised a lot. Some were asking for a lot of money upfront and after.

 

I also found 3 legal firms that promised to do it. I heard that two of them were not proceeding with their cases after the case management conference in Chester County Court.

 

This is a tricky one.

 

I suggest you do a lot of research on the internet. Ask them about success court cases they had and ask for their contracts to read.

 

Apparently there are some decent places, but in my own personal experience I would avoid too large companies that cannot deal with the volumes of cases they have and too small legal firms (e.g. one solicitor only), they will be unable to find a barrister to help them with the court case.

 

I would also look for someone that specialises in consumer credit and not just any legal firm who is trying to stick their nose in one of the few legal things that go these days just because conveyancing work has dried up because of the credit crunch.

 

Look and read carefully and do not make quick decisions.

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Thank you for your replies. I have looked at both Payplan and Debt Free Direct but they only seem to offer Debt Solutions in for form of IVA's etc - I cannot find any info on either of their sites with regard to Challenging Credit Agreements. Do you have more info pls???

 

Has anyone sucessfully used a company that does not charge upfront fees that they are happy with to challenge credit card agreements?

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