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    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
    • I had a similar thought, TJ. The Guardian has done an explainer of the rules as of yesterday.   Someone said that if the government, had retained public trust, they might not have needed stringent measures like this.   https://www.theguardian.com/world/2020/sep/28/england-new-coronavirus-restrictions-explained
    • Retailers and Hermes.   I have a parcel that’s saying delivered but not arrived. This dates back two weeks. The retailer won’t contact Hermes but Hermes are saying I need to let the retailer know my package hasn’t arrived - as the contract is between them and Hermes, not me. I am going around in circles. Retailer just says here is the tracking and won’t acknowledge the parcel hasn’t arrived! 🤬   Paid for by credit card. £89. Any advice, please help
    • Retailers and Hermes. I have a parcel that’s saying delivered but not arrived. This dates back two weeks. The retailer won’t contact Hermes but Hermes are saying I need to let the retailer know my package hasn’t arrived - as the contract is between them and Hermes, not me. I am going around in circles. Retailer just says here is the tracking and won’t acknowledge the parcel hasn’t arrived! 🤬 Paid for by credit card. Any advice, please help
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
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      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
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      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

help with getting my first car insurance policy


Guest liam78001

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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.

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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!

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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.

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

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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

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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.

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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.

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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

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