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    • Thank you very much indeed for this update. It certainly is a very surprising result – but very welcome. You're quite right, that P2G should get credit for this very customer-facing gesture.  
    • Hi,   Myself and partner went through a home repossession in May 2015 and it always showed on my credit reports.After the repossession we moved abroad till last Feb when we returned to the UK.We did have no contact with mortgage lender while abroad,long story but they made things very difficult before whilst we tried to not have the property not repossessed which I won't go in to at the moment. Anyway I noticed last November time the repossession was removed from credit reference agencies and doe not show anymore under defaults or repossessions. But also since around 3 weeks ago we have a 2 letters from a collection company saying they are collecting on there behalf..which I will respond to with a letter template I found on here referring to the sale of property etc.   1st question is why would the record be removed from credit files an 2nd can it be put back once removed.   Thanks in advance
    • Hi All - finally managed to log in to MCOL - my AOS and Defense are showing that both have been submitted. Does this mean that BW cannot now get a judgement? Thanks for help so far donation on its way.
    • If you want to become a better saver this year, we've outlined some innovative ways to help the pennies and pounds stack up. Stick to them and you could save between £668 and £1,456. View the full article
    • Thought I'd let you know. Despite not needing to, Parcel2Go have very kindly authorised a refund to cover the speakers. I am very impressed and surprised given the contract didn't require this. Thanks for all the advice - I thought it only fair to make sure they got some credit for doing the right thing. I will be using them again.  
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    • 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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Any help with this question would be appreciated,


My father passed away last week and I'm a named driver on his car insurance. I have been driving the car for the last 6 months due to his illness and have been advised I have a 14 day grace period where the insurance still stands with Saga, however after this the policy lapses. He has left the car to me in his will however it will not be executed before the 14 day grace period runs out.


Can i possibly insure the car for a short period if I'm not the registered owner or keeper?


Thanks in advance

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Why don't you send the V5 registration document off to DVLA to register yourself as owner and registered keeper. Then arrange Insurance in your name.


You don't have to wait for the will to be executed.


A car is not considered legally in the same way as a house for example, where it is more complicated. There is nothing legally to stop you doing as you wish with the car now.


I had the same issue with my dads car. The solicitor just said, you can do what you want with the car. So we just sold it and divided the proceeds.

We could do with some help from you.



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Hi unclebulgaria67,


I will try obtain the V5 doc however as there is some contention within the family I may not be able to get them before the insurance grace period runs out.


If I can't get a hold of them can I obtain insurance until I'm in possession of the V5 docs?

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If I can't get a hold of them can I obtain insurance until I'm in possession of the V5 docs?


When you arrange Insurance it is required that you are the registered owner and keeper or are in the process of arranging this with DVLA by sending the V5 to them.


Tell the other member of the family that the current Insurance is due to run out and you need the car documents to arrange Insurance.

We could do with some help from you.



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Just found this on the confused.com website, it appears the "owner" and "registered keeper" are different, seems like you can insure it as the "registered keeper"


What is the difference between the 'owner' and 'registered keeper'?


There may be a reason for the owner and registered keeper to be different individuals. For example, you may use a car that is owned by someone else in which case you would be the registered keeper. Or you may own a car that you allow your children to use and therefore the registered keeper would be one of your children.

As always please check and double check what myself and other Caggers inform.


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