Jump to content


  • Tweets

  • Posts

    • yes sorry i was confused that you had managed to get anything out of the administrators. we've not seen that and was surprised by it read that way.   your credit file is clear Conexus Recovery and Field Services Ltd - can be totally ignored. DCA's view debtors as suckers, marks and mugs NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type and they are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..
    • An online news and information service for the UK’s commercial and consumer credit industry. View the full article
    • They are very nonsensical aren’t they? As far as I can tell they have no proof of ownership of debt whatsoever - it feels like they’re just hoping I cave in 🙈   I’ll get onto the CRA’s now - thank you 😊 
    • Thanks ...okay well as you are already aware you will get more sense out of your bin than talking to Arrow...so I would now escalate it by informing the Credit Reference agencies and submit a Notice of Correction ( each CRA has its own instruction's on how  to submit) and they will contact Arrow asking for details of the debt....if that fails you can contact the ICO (information Commissioner's Office) and raise a complaint re false data reporting.     See how you get on.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Broker didnt disclose conviction to insurer - claimed - help


Please note that this topic has not had any new posts for the last 3956 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.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

UPDATE

 

Just spoken to Zurich's investigation department, who told me the following:

"I dont have all of the details in front of me as I am still waiting for all of the information to come through.. Your claim is on hold due to an undisclosed conviction on your licence. This is now a three way thing between us, your broker and you. It can also go one of three ways.

1 - We decide your broker is at fault. We continue to insure you and adjust your premium accordingly as well as validating the claim and settling.

2 - We decide your broker is at fault. However, we discontinue your insurance due to the IN10.

3 - We decide its completely your fault. We cancel your insurance, refund all your premiums and do not settle the claim.

We will be writing to you to request a letter of explanation. Explain what you told me (about the broker etc) and we will look into it. I must tell you, this will take a minimum of 2 further weeks."

 

Joke this.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

Link to post
Share on other sites
  • 8 months later...

Jesus - its been a while!!

 

I sent screen shots of every stage of the application process from the Lloyd Latchford website to the Zurich investigator along with a statement of events.

In conclusion, the Zurich claim investigator accepted my version of events as true. She said that she was satisfied that I had not had ample opportunity to check all of the information over and that I could not enter the IN10 into their website.

They paid out and I got a new vehicle.

Power to the person for once!

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...