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    • you are in the info gather phase  get it.   it could be fraud or ID theft id you've moved since that EE was taken out.   the other accounts could well be statute barred if you've made no payments in 6yrs prior to their claimforrn. and if they were that would be extremely important to any defence as SB defence would blow those accounts out the water.   dx    
    • I'm trying to understand your story and I gather that the court papers were sent to the wrong address and the claim is in respect of an alleged parking matter but at incorrect address. This correct? please respond and then monitor this thread for a full response tomorrow  
    • I paid £500 for 6 months towards the arrears.  After 6 months I wanted them to capitalize arrears.   I was also slightly struggling to pay 500 every month. I understand I should not have stopped but I made mistake.   Shall I pay £1000 tomorrow?
    • DEAR ALL I have read all of the NEWBIES sections on Car Parking Management and default judgment ( https://forums.moneysavingexpert.com/showthread.php?t=5585047) but I have no direct idea how to proceed this. This is important for me to resolve as I have a pending house purchase mortgage lender refused because of the CCJ and if I don't set it aside soon, Vendors will sell to someone else!!! PLEASE HELP ME. I have paid a CCJ but in the same time I have sent a cover email to both Newlyn and Gladstones that my payment is not made because of acceptance of any aspect of the judgment. A little different to the above mentioned post, I actually got a notice from CPM and Gladstones and Debt Collection which I responded to refusing the claim, as a registered keeper, denying the incident and liability. They kept on sending me correspondence with wrong street address. I have provided them an updated address but they didn't send it there (I have to put Subject Access Request first to access all data, working on it) and my landlord sent all back with Return to Sender sticker. - I moved 6 months later (march 2019) to a new address and got a final notice from newlyn debt collection which under the influence of my panicked parents I have paid them with the above mentioned cover email (the enquiries lady at northamptonshire business centre assured me I can still submit N244 if I pay, didn't take her name, stupid me I know) - BUT requesting the Particulars of Claim from Northamptonshire Business Centre, I can see that the whole Claim as well as all of the relevant correspondence sent up to date (Gladstones, Debt Collection Plus) referred to a Claim for a WRONG STREET. They claim it was parked on parallel street, whereas the photographic evidence is for a different street. There was also no sign on that side of the pavement. BIG QUESTION IS Do you think I can set a CCJ aside on the basis of this event never happening and subsequent procedural errors? (sorry, I don't speak legal terms and English is not my first language) Please if you can help me, my whole family is panicked and angry at me about this and Vendors are on standby unless I am convinced I can win this. I wrote to the Business Park management to tell them about this to just confirm the photos are not from that road but I dont think they will get involved unless I write to the local MP.
    • Thank you, do you mean to ask for the dates of when I last paid them for the contracts that I may have had with them?   Is this essential for the Defence letter?   Though I am 99.9% sure I have never had a contract with EE, surely the Claimant's whole case would be dropped if I prove this to be the case?    Thanks!
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maddog69

insurance company won't provide a courtsey car because of 9 points????

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I had a car accident on Monday, i beleive it's not my fault however the decision is still to be made. M&S car insurance have sold me a fully comp policy. When i asked M&S if this included a courtsey car they said yes.

 

Now they won't provide one as they say the T&C's of their hire people don't allow people with 9 points to have one and if i had of checked the policy documents it would state this.

 

I have read through the policy documents and it states a car will be provided subject to the rental company's terms and conditions.

 

No T&C's for the rental company are included in the policy documents and I was not told this when purchsing the policy.

 

Does anyone have any advice what i can do. i have spoken to M&S, the underwriters Fortis and the motor legal department.

 

Please help!!!

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Start the complaint ball rolling & then the ombudsman,there is also nothing on their website to say that there maybe restrictions. If they were happy to take your premium with you disclosing the 9pts then they should have advised that the hire car option would no longer be available. Looks like you have paid extra and are not entitled to its benefits.

 

They also do not mention which hire company? so you can assume like insurers T & C will be different for each.

 

Our company uses enterprise,theirs could be hertz etc,how would you know the T&C for every hirer.

 

they should find you a hire company that will put you back on the road.

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Hi, Thanks for your reply, they didn't tell me there would be no entitlement when i took out the policy. i have started the complaint already!! Thanks again

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surely by saying subject to t's & c's of hire company they are covering themselves.

 

I dont know of many hire companies who would risk a 9pt driver!


Insurance Guy

If I can offer any help I will....

I have experience in Fault, Non-Fault & Disputed Liability Motor Claims for vehicle damage and hire, and some experience in Personal Injury Claims

 

 

If I've helped- please click my scales :D

 

ANY ASSISTANCE IS GIVEN ENTIRELY WITHOUT PREJUDICE- YOU SHOULD SEEK INDEPENDANT LEGAL ADVICE TO CONFIRM ANY ADVICE GIVEN

FEEL FREE TO PM ME A LINK TO YOUR THREAD IF YOU WOULD LIKE ADVICE 8-)

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Maybe,but as the OP stated if they dont tell you the hire company T&C or which hire company, how are you going to know.

 

The OP has possibly paid extra for this benefit (as its offered with a premium policy or pay extra for an MS standard policy).

 

all insurers could play the T & C card and just issue blank policies:D:

 

Breakdown cover (you are subject to T&C) but dont tell you what they are.:grin:

Legal Proctection (you are subject to T & C) but dont tell you what they are.:grin:

Insurance policy (you are subject to T & C) but dont tell you what they are.:grin:

 

If they are referring to the T & C of a hire car company they use then surely they should supply those T & C???

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