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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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canceling an RAC policy


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I trust everyone will find this amussing.

in april this year i purchased a car policy and paid in full upon taking the policy...no problem until i went to cancel the policy last week, mid term.

i was told that that if i give them my debit card number they would charge my card with £22.......so i a nutshell i dont get a refund considering i will have 6 months remaining and i have to pay a cancelation fee......in the end i told them i would keep the policy.

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Pretty grim from the 'Number One Motoring Org'

 

There's nothing like paying monthly for this type of thing !!

 

Cheeky mares !!

 

Lex

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

I sympathise with you. Having renewed my rac policy this september and paying my premium monthly i have recently changed my vehicle to a car that they won't cover. I have been told that to cancel my policy after only 2 months not only do i have to pay the £35 cancellation fee but on top of the £70 i have already paid they want an extra £143 for two months cover that i have already paid for!!:-x That makes a total of £248 for two months insurance, I would call this daylight robbery!

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they should not charge you anything as they should be cancelling due to the fact that they are unable to provide cover. You should only be charged on a pro rata basis for your existing vehicle. Go straight to their complaints department.

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  • 3 weeks later...

RAC Insurance is serviced by BISL Ltd (part of Budget). Basically the RAC brand is still part of AVIVA but RAC no longer underwrite their own policies. RAC provide the policy but this is underwritten by 1 of 17 insurers such as Zenith, Zurich, AXA, AVIVA, Provident, Coop etc and so on.

 

When a policy is taken out you are made aware of charges to your policy such as £20 admin fee, to short term rates if cancelling mid term and these are stated in your policy documents.

 

For most people who take out insurance year on year claim free or only changing details once a year then this is not a problem. However if you change cars or other risks several times a year then it can work out costly. What RAC are doing is nothing new. Most brokers do the same thing and in comparison RAC actually offer one of the lowest admin fees for changes. (AA are £25)

In Insurance, thinking "It wont happen to me" could mean you dont have the cover you want at a time when you want it! - Dont always reject a Courtesy Car or Legal because you find the cost too much! Whats more valuable? YOU or the Policy Premium?

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Please add to my reputation if my reply was informative to you. (click the scales);) Replies offered by me are not linked to anyone, and is from my own personal experience.:grin:

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