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    • Same issues as - also spent ££ to have mechanical failures fixed will have a read
    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
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    • Hi,  
      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.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
krobbie

Void by Inception how long do you disclose? Theft and then daylight robbery!

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Help!!! I am trying to research on behalf of my husband how long we have to disclose that he has had car insurance void by inception.

 

Long story short we were broken into and the car was stolen in 2007 (a very traumatic time, especially when the car was never found again) When the policy was automatically renewed we had not updated that he had since received three more points, thus voiding his insurance. We accept that it was his fault and have ended up paying £10000 out as we were not insured.

 

What I find utterley appalling is that now since the theft his car insurance has more than trebled due to the 'void' of the insurance. Surely this can not be for the remainder of his life? How long do we have to declare??? To add insult to injury whilst researching I found out that if you are caught drink driving it would only affect your premium for 5 years!! I am thinking that I should turn to crime.

 

Any help would be greatly appreciated.

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Help!!! I am trying to research on behalf of my husband how long we have to disclose that he has had car insurance void by inception.

 

Long story short we were broken into and the car was stolen in 2007 (a very traumatic time, especially when the car was never found again) When the policy was automatically renewed we had not updated that he had since received three more points, thus voiding his insurance. We accept that it was his fault and have ended up paying £10000 out as we were not insured.

 

What I find utterley appalling is that now since the theft his car insurance has more than trebled due to the 'void' of the insurance. Surely this can not be for the remainder of his life? How long do we have to declare??? To add insult to injury whilst researching I found out that if you are caught drink driving it would only affect your premium for 5 years!! I am thinking that I should turn to crime.

 

Any help would be greatly appreciated.

 

Is it correct to assume that the policy auto renewed and then the vehicle was stolen and that the motoring offence should have been delared during that period of cover?

 

did they give a reason for voiding the policy??

usually any undisclosed convictions are added to the policy and any backdated premiums paid. If however there are other motoring offenses and then this additional one would have not allowed the policy to renew due to underwriting criteria then they can cancel back the to last renewal date.

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Hi, Have you had any luck with this? I am in a very similar situation and from what I understand the need to declare insurance being void form inception is for the rest of my life! It does not seem correct really since like you said - we only have to declare drink driving for 5 years. And yet insurance companies do not ask when was the insurance void - they only want to know if it did. I know this is an old post but maybe someone out there had similar problem and if so, please advise!

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Hi, Have you had any luck with this? I am in a very similar situation and from what I understand the need to declare insurance being void form inception is for the rest of my life! It does not seem correct really since like you said - we only have to declare drink driving for 5 years. And yet insurance companies do not ask when was the insurance void - they only want to know if it did. I know this is an old post but maybe someone out there had similar problem and if so, please advise!

 

Will ask the site team to set up a new thread for you. Can you post up the whole story please and I will try to reply tomorrow.

 

This thread is over 3 years old and you are very unlikely to get a response.


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Hi, Have you had any luck with this? I am in a very similar situation and from what I understand the need to declare insurance being void form inception is for the rest of my life! It does not seem correct really since like you said - we only have to declare drink driving for 5 years. And yet insurance companies do not ask when was the insurance void - they only want to know if it did. I know this is an old post but maybe someone out there had similar problem and if so, please advise!

 

start a new thread.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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