Jump to content


  • Tweets

  • Posts

    • For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 17th, 18th and 22nd September     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24th, 24th and 28th September 2020   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 26th September (for the ones dated as the 24th) 30th September OR 1st October, i'm unsure as I was not present at home from the evening of the 29th until the evening of 1st October (for the one on the 28th)   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes, on all of them   5 Is there any photographic evidence of the event? They have captured two photos of the event for each date clearly showing my registration. The surroundings however are not present as the photos have been taken at very late hours.   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up ^^^ N/A ^^^   7 Who is the parking company? Minster Baywatch   8. Where exactly [carpark name and town] Cotswold, Lakeside Car Park, GL7 5LU   For either option, does it say which appeals body they operate under. There is a BPA logo present at the bottom of each letter
    • Apologies for the delay it took a while to cut and also get to size,     claimants_WS.pdf
    • The complexity of exporting to European markets mean firms may have no option but to set up an EU presence. View the full article
    • Selling refurbished electronics is a fast-growing business where customers can make big savings. View the full article
  • Our picks

    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like
    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies

help with getting my first car insurance policy


Guest liam78001

Please note that this topic has not had any new posts for the last 3694 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Guest liam78001

hi i am 19 and recently passed my driving test looking to get my first car and i am finding it dificult in finding insurance that i can afford i was wondering if you guys could give me some advice please.

Link to post
Share on other sites

We use Swift cover as well and find them very good. OH insured his wee sportscar with them and was 1/3 of the price that other insurers were, and even when someone ran into the car, they were very good at settling the claim and the premiums havent even gone up!

Link to post
Share on other sites

I was in a similar situation to you when I arrived in UK from NZ. Despite having a license for 10 years they wanted an arm and a leg because I didn't have any UK history.

 

I don't know what sort of car you're planning to getting but in my experience it is always worth getting a small "runner" and just running on 3rd Party Fire and Theft with legal cover. The reason being is that the premiums are a lot cheaper especially for someone of your age. In addition you are more likely to have an accident in the 1st couple of years after you qualify which Insurance companies factor in to their premiums especially for fully comp. One thing to watch for is the amount of excess they want from you. If you get a low CC car then you benefit from tax as they tend to have lower emissions.

 

You can build up a no claims bonus using a TFTP policy and when you have a bit more dosh get a better car with fully comp insurance. In addition with the legal cover if you have an accident that wasn't your fault the insurance company will persue the other side on your behalf.

 

FWIW I went with Direct Line initially and found them very good to start with. Using the legal cover DL was able to recover from the other party after I got shunted in the rear.

-------------------------------------------------------------------------------------------------------------------------------------

This does not constitute legal advice and is not represented as a substitute for legal advice from an appropriately qualified person or firm.

--------------------------------------------------------------------------------------------------------------------------------------

 

Link to post
Share on other sites
Guest liam78001

hi thanks for your help guys i tried swift cover but i had to have held my licence for a year before i could get cover from them and it was the same with direct line i have however got on as a named driver at liverpool victoria(LVE) as my step dad needed a new car so now we share he has it during week and i get it at the weekend

Link to post
Share on other sites
Guest liam78001

thanks maz got new problems now got a ford ka and it has a hydrolic clutch and its sticking so gotta find out bout that but i appreciate the support.

Link to post
Share on other sites
i have however got on as a named driver at liverpool victoria(LVE) as my step dad needed a new car so now we share he has it during week and i get it at the weekend

 

Will they let you build up your own "no claims discount" as a named driver on your step dad's policy? Some do, some dont.

Link to post
Share on other sites
Guest liam78001

not sure about the no claims things but its kinda least of my worries at least im insured which means after ive been driving a year more places are usaly happy to quote me

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...