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    • Thanks for your reply dx    no I haven’t moved, in all honestly I don’t think they have sent the NOA, hence why I have asked for proof. It was suspicious on the phone as they couldn’t find the letter and then couldn’t attach it to an email    I have no problem paying the £75 if they prove they sent it.    im disputing the £235 as I don’t think they’ve follow the COVID guidelines either. I’m at work and my sister answered the door who is deemed vulnerable and is shielding. I would have told them that if they done a risk assessment (I believe the ministry of justice require it)    im a little confused with what you mean by the NOA running out? They have told me they sent it on the 14th? 
    • Well, I'm being pedantic but I think they're using the wrong term.   Link to the Money Advice Service on salary sacrifice below. It doesn't sound like what you're doing.   https://www.moneyadviceservice.org.uk/en/articles/salary-sacrifice-schemes   HB
    • can you please refrain from using any hosting sites now please   read our upload guide carefully (esp about using pdfreducer websites) and pop the PDF up here.   can you also rotate the images!!   thank you
    • can't see how you can owe the £235 fee, just because of an error their way that ran the 7 days out because you didn't pay the £75 NOA fee in time. you need to confirm the address the NOA was sent too , thats all. have you moved since the fine was issued?   please be very careful about following advice on some bailiff sites, they can be very misleading at the best of times. if you've not moved, then there can't be any real dispute about not receiving the NOA, letters are deemed received 2 days after posting regardless.   i think you need to get WRITING to the company, offer the £75 . 
    • So after requesting a new SAR this is what we received. Can anyone shed some light on what I could do with these figures?  https://drive.google.com/file/d/1PLDAGPrHWMrmqhiu6CDA3Vxg1w8NYQqI/view?usp=sharing   (There is no sensitive info on this link)  Can anyone Help? 
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Insurance Company demanding full Policy Amount after Accident

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Hi, I recently was approached by my old Insurance company demanding me to pay off the full policy due to an accident I was liable for in June. I did crash into another car and accepted fault. The accident happened a week after I had insured the car. I did sign the first document which allowed me to take out the insurance with the brokers (Performance Direct) and my insurers were Markerstudy. However I did recieve another letter outlining my payments and interest and all that which i didnt sign. Im assuming the last letter i recieved was a credit agreement.


Anyway they say that it is in their terms and conditions that I have to pay off my policy even if i have accident. The car was written off by themselves and they paid out £1900. They now demand £1300 back. They have also decided to take payments of £100 a week out my bank, even though i did tell them that i will seek legal advice before I give authorisation for payments to be made.


I've never heard of any insurance companyt to act in such way. I believe I am right in not paying back the policy right?


Please Help


Kind Regards

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I'm not sure what it is you are asking. Let me see if I've got it right; You took at a motor policy with Markerstudy using an installment plan via direct debt. And you had an accident in June which you admit was your fault. The insurers have settled the claim and now you think you dont have to pay the rest of the premium? Is that correct?

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The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only.


I would always urge to seek face to face professional advice for clarification prior to taking any action.


Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.

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When you took out insurance on the car it was for a full year. The premium was payable on the day you took it out and in full. Most insurers allow you to pay monthly, but that doesn't mean you are buying insurance per month, it means you are spreading the cost of the premium over 12 months.


The maximum an Insurer will ever pay out is the value of the car (plus of course any third party claims etc), but once the car has been written off you have effectively used up the policy you took out and must pay the full amount, it doesnt matter whether the write off is on day 1 or day 364 of the insurance period.


The insurers are correct in what they are saying and asking for


Incidentally you have no right to with hold the instalments, and you did give authorisation to them, you did this on the day you agreed to pay by instalments.


Consider it this way, if you had paid the full premium on day 1 and then wrote your car off and got paid out the full value of the car do you think you could write in and ask them for a refund??????? (the answer to that, btw, is you could write in but you wouldn't get one nor are you entitled to one).





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its jus that I've asked around to people who have had accidents or have been in same situation, and they say that their insurance company hasnt chased them for full premium.


I do understand the whole concept of paying full premium no matter what. I guess its just confusion from what i've been hearing from others.


Thanks for the messages anyway

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