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    • 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
    • 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.
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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.
       
      I put a few things in my trolley and then did a shop.
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    • 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/
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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3904 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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I have a query that all loans and credit cards taken out before 2007 are deemed invalid and have no enforcement action attention.

Also a company is claiming that the Credit Agreement you sign is invalid and have flaws in it making it deemed unenforceable. Could this mean debts could be written off?

If you have experience of this I would very much like to know about it and where it claims what sections of the CA is flawed.

Thanks

NOTE: New Email:

thecorgiking@yahoo.co.uk

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Guest wino

As far asI know only SOME can be deemed unenforcable. If you feel yours maybe then post them up with all your personal details removed and someone will have a look at them for you.

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Hi Tony7

 

I am Means2anend

 

yes it is true that SOME but not all can be written off.The Consumer Credit Act 1974 has various sections where if the agreement is weak it must comply with those sections.But for now i will not be able to write them all down for you.It is sufficient for you to know that AFTER 2007 new laws CCA 2006 which CAME INTO FORCE in APRIL 2007 do not regulate those agreemenbts between '74 and april 2006.Therefore any agreements that caME INTO EXISTENCE AFTER THIS DATE ARE MOSTLY IF NOT ALL ENFORCEABLE AS THE LENDERS WILL NOW HAVE STRENGTHENED THEIR AGREEMENTS IN ACCORDANCE WITH THE NEW ACT 2006.

Rgds

Means2anend

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Hi all

sorry if this is not the way to do things but i can not find how to start a new thread so i can get an opinion on a credit agreement any idea's plz:)

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Hi,

If you click this link, it will take you to the debt collection industry forum:

 

Debt Collection Industry - The Consumer Forums

 

About halfway down the page is a new thread button. Click that and away you go.

 

fox


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