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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
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    • 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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Thailand

Thai V. Lamberts

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I have wanted to give up for ages (again), but my excuse has been that I have been living in hell (I have!) and that 'now' wasn't the right time.

 

I am moving to a great flat in September away from society's pests so the excuse is no longer valid. I've conquered a few fears this last year and it follows that life will be better without fags, and that all hell won't break loose without them!

 

I'm setting a date now; September 21st. Gives me time to move and get everything sorted.

 

I purposefully carried on collecting my prescription for Champix even after I had resumed smoking, knowing they would come in useful. :D

 

No wonder I have struggled financially...they cost £600 per SLC loan installment. :eek:

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You can do it Thai champix really is the biz ...... well it was for me :)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I agree Saintly, they were fab last time. I only caved in because the drunken Caggers at the Pontins meet made me. :D

 

Honest. ;):D

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That's brilliant!!!!!! I'm soooooo glad to hear this. You know you can do it!! It was easy for you last time.

 

It took hardly any persuading to convince you to have that ciggie at Pontins. As for drunken caggers...you were our leader!! :D:p


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Good afternoon caggers. :D

 

My plans slipped a little because, well, I got mighty trashed on moving into new flat and the celebrating led to 3 days of agonising pain, also known as a hangover!

 

Still, I started taking the champix yesterday, 4 days later than planned. This would make my quit date the 24th of september (I know that isn't set in stone) but that is also my first day back at college. A tutor has always begged me to stop and so I don't want to turn up on the day and say 'oh, yes I have today' mmmm. I really want to say I stopped on Monday and be minty fresh.

 

I know it sounds daft, but I do, so I want to stick to September the 21st, ten days will have to do!

 

Reason for saying all this is, does anyone really think that just taking the full tablet instead of the half portion week would really matter? I only had a bit of sickness and funky dreams last time round. I'm tested on it, innit?

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Well......did you stop yet?


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Not yet.

 

Firstly I did double the dose and never again....sick and very down in the dumps for no reason. Have been back on halves since because I daren't take what is now the normal dose.

 

The good news is the old dog food is working and I'm down to about 5-7 a day.....8 tops and I was on 25-30. I have a couple of puffs (resist the temptation there!!) and dimp it out. I'm spending about £1.50 a day on the beasts rather than £8 and I found a tenner yesterday so feeling flush, lol.

 

May get hols to Portugal out of the way and then quit fully. If not sooner, though. :D

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I'm very proud of myself for the self control right now!!! :p

 

I have a couple of puffs (resist the temptation there!!) and dimp it out. I'm spending about £1.50 a day on the beasts rather than £8

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