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    • As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.
    • I booked several rooms with FABHOTELS.COM - I have made sure the rooms were cancel able and due to the condition in India regarding Covid becoming very bad I cancelled the rooms and my visit to India and will not be travelling for the foreseeable future, I then checked my account and they have stated there can be no refund back to my card but I have to accept their room credits to the value of £478 valid for 12 months when they will then expire if I do not use them by that date, I have contacted them on several telephone numbers and via email, they have refused to issue a refund : stating it is their policy to issue only rooms credits and these will expire in 12 months, they have advised they have the right to do this under the contract and under Indian law, I have raised a SEC 75 claim, via the credit card company however they have not advised what the above means and stated it will take 11 weeks for a response, I am concerned that a refund has been provided and the cancellation has been approved as such as a refundable cancellation, albeit they have stated no refund to the credit card can be made. I have sent the following to them and their response has been - we are unable to assist further - I have now concern how they can do this when the law does not allow this to be possible? The issue that I have experienced was: Disgraceful behaviour by Fab hotels in holding cancelled bookings in an expiring account when cancelled fully - NO REFUND ISSUED? Please can you refund the full amount to my credit card as due to the Covid restrictions there is no guarantee I will be in India in next twenty four months I await your refund back to my with the Credit card Company as I am not able to use the Credits expiring in 12 Months, I have been in touch with the credit card Company and they have confirmed they will be looking to FabHotels to refund back to the Original card as part of the Sec 75 Laws where a cancellation has been made and the payment has to be refunded back to the Original payment card. I have not been able to confirm I will be using the credits and therefore in order to safeguard my funds these needs to be back into my, If this is not accepted then I reserve the right to take the matter further for a investigation and chargeback as I have not authorised the payment and the reservations have been cancelled. Please can this be escalated to a senior manager and a refund issued back to the Visa card. If this is the Customer experience I have to endure then I will make it quite clear that this i not acceptable that you take money and put it into a expiring account and then ask me to contact you to get the extension, this is not customer service, I am deeply distressed by your action as there are no other Booking agents who are doing this to their customers, especially considering the hotels have been accepted as cancelled and a refund issued but held in expiring account.
    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
    • First of all, apologies for the delay in responding. I went back to work in May completely forgot about this.   Secondly, they paid out.   As you can see in my post dated May 11th, I suggested whether it would be worth trying one more time with them. Well, I did. I mentioned in my claim that, once again, they should contact DHL who would confirm that the parcel was left on the doorstep in full view of anyone passing by. I finished it off by saying that I was happy to go to small claims court over this if I do not hear back from them.   About a week later I received an email stating the claim was successful and they asked for my bank details to transfer the money over to.    I'm surprised they didn't drag their heels over this but perhaps me seeing the picture of the supposed delivery and them knowing that I was doing my own 'investigation' into DHL made them nip this in the bud sooner rather than later.   And a reminder to anyone else reading this: contactless delivery does not mean that couriers can leave the parcel on your doorstep and leave. It means the courier leaves your parcel on your doorstep, waits for you to open the door and confirm receipt of the parcel, (the courier takes a picture, this seems to depend on the courier) and then and only then is delivery of the item concluded.
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
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Young Learner Insurance - Collingwood?

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My soon to be 17 year old son will start learning to drive next month in an Nissan Micra which currently belongs to his dad, but which he planned to give him as a birthday present.


A browse through various comparison sites show that it will cost somehwere around £1,800+ if my son owns it and insures it in his own name, but there are a couple of specialist companies who do it slightly differently for learner drivers.


It would seem that if his dad keeps the car and continues to insure it for himself, my son could then take out short term learners insurance (under £75 a month) at least until he passes his test, without it affecting his dad's insurance or NCB, even if there's a claim.


Two of these companies are Collingwood and Quinn (I understand Quinn have recently been in administration) but I wonder if any other forum members have experience of these policies and companies, and looking forward, what happens once my son passes his test.



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Hello Quisling, I'm answering as the others haven't yet. A guru should be along later.


From what I've seen on this forum, you need to be very careful over ownership and insurance of this vehicle. There have been a couple of discussions of late about owners and keepers of a vehicle being different people and this can end up with accusations from the insurer of 'fronting' a policy, making it invalid.


If you have time, search the forum for posts on 'fronting'.


Is your son going to be the only driver of the Micra?



Illegitimi non carborundum




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If you want my advice, it is best that your son does not waste his money on paying for Insurance whilst still a learner.


It is always best for people to use the money instead to pay for driving lessons with a decent driving school.


If your husband is looking to provide your son with lessons in the Micra, then yes your son could take out Collingwood cover, to cover the car whilst he is driving under supervision. Your husband can continue to be the owner/registered keeper, maintaining his own cover on the car. If done in this way, if your son damages the car when driving it, the claim is against the Collingwood policy and does not affect your husband.


Don't be tempted to register the car to your son with the DVLA, without your son having the Insurance is his name. This option would be pretty expensive and then would be really expensive when he passes his test. Yes Insurers will increase the premium when your son has a full licence, as then he will be able to drive on his own. But on the plus side, if your son remained claim free, he would start to build up his no claims discount entitlement quicker.


As Honeybee eluded to. If and when your son becomes the owner/registered keeper and then arranges Insurance in his name, a cheaper premium can be achieved, by also having mum/dad on the policy. This is because Insurers view the risk as being slightly less, if more mature drivers also have access to the car.

We could do with some help from you.



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Hello and thanks for the replies so far.


I probably didn't make it clear enough that we're actually trying hard not to do anything that could be seen as 'fronting'.


Son's dad was intending to give him the car on his birthday, and son would have it insured in his name, but we're now wondering if it might be better to leave the car in dad's name and take out learner insurance until he passes his test.

Son intends to have lessons, but his dad is also willing to take him out for a bit of practice until he passes his test.

It will be the only car son has access to, and dad will go on any future policy as a second driver.

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