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    • Hello and welcome to CAG. People should be along to advise over the course of the day.   Which retailer are we talking about please?   By the way, something seems to have gone wrong with the spacing in your post above so I've popped in some paragraphs.   Best, HB
    • I'm after some advice before I fill in and return the section 172 "request for driver name and address".  I am the registered keeper of the vehicle stated .   The alleged offence (Exceeding variable Motorway speed limit 68mph in a 60mph zone) was committed on 29/07/2020, the NIP is dated 31/07/2020.  On Wednesday the 29th July 2020 a friend and I were driving for a much needed break from South Wales to spend a few days in Yorkshire, we shared the driving for the 4.5 hour journey at just over an hour at a time each.    My problem is this, 1.I have no idea of the location or recollection of the place to which the police refer (M1 Northbound Duckmanton Derbyshire?)  and 2. I cannot say with any accuracy which of us were the driver at that particular time.  I have a clean driving licence and am usually very speed aware using the cruise control at most times.   an offence for a mere 8mph on a motorway with everything that is going on at the moment seems extremely harsh IMO.     I would much appreciate if anyone could offer help / advice at what I should do next? Many thanks  🙁
    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days) And fixed it,   It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap   I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell Turns out the wires had melted on the back of cooker I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff....I wanted a refund or replacement I had had the cooker 6 months just! I asked for a refund or replacement    I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family I didn’t want this cooker fixing again ( by whom) They started to blame me and said I should be grateful they aren’t charging me for the repair!   Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one.   I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out! I am struggling with making the county court claim ? What shall I do?   ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
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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
shughal

2 different NO CLAIM BONUS urgently help needed

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hi, i had 5 year NCB in private car policy till sep 2007( from esure insurance company) after that i was the taxi driver till sep 2010 (insured with TRADEX through broker graysons). Tradex they gave me 4 year NCB in taxi while i was with them only 3 years. My current insurance company (churchill) they don't accept 5 year NCB from esure because it is old more than 2 years, they refer me towards Tradex and Tradex they don't give the bonus more than 3 years. they say we can not give you the bonus more than 3 years. infect they are not considering the previous 5 year NCB. because of this my insurance premium is getting high in churchill because i failed to provide them NCB of more than 5 years. according to me it should be altogether 8 years, 3 year in taxi and 5 year in private policy. which company i should make contact now. i am very confuse and worry about this. waiting for your reply, thanks

 

2nd problem is that i have sent my original NCB letter provided by my previous company(tradex) to the current insurance company (churchill) and that NCB letter was showing 4 years NCB IN TAXI POLICY. now churchill are saying that after the end of the policy or when you ll cancel your policy we ll give you the NCB IN PRIVATE POLICY. Mean i ll lose my taxi policy and i have to go back in taxi next month. by law which letter churchill company should give me?. very confuse, help needed. thanks

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I think that had you involved the brokers Graysons in helping to move from Tradex to a private car Insurance you might not have had this problem.

 

Surely Tradex can acknowledge in a letter that they received 5 years NCB proof from x company when the policy was taken out and that you have had 3 years since.

 

You can't use the NCB twice. You have to decide on which policy you want it to be used. i.e. the policy that gives you the most benefit financially.

 

Suggestion is that you use a broker in future and don't try to sort out yourself. I am sure that if you did this, you would not have got into this confused position.


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Exactly First of all i contacted to graysons but they say we don't have any more business relationship with tradex, we have left them, now you have to contact directly with the company tradex, i know all dealings should be through graysons but they are not doing any cooperate. only suggestions, advise they give.

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Ask Tradex for the NCB proof that was given to them when the policy was started with them and to provide this with a letter confirming the no claims with them. So the Tradex letter should state something like. .......When the policy with Tradex was started on x date, we were provided with proof of 5 years NCB by x company and since this date the policyholder has had 3 year of further no claims.

 

Ask Tradex to do this and make sure Churchill will be ok with this, if this was supplied.


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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i have spoken in detail with Graysons, Tradex and now finally FOA(financial-ombudsman authority) about this. i was very hopeful FOA will help me about this matter, they admit this is not fair at all but we can do nothing about it. Finally solution is this there is monopoly of insurance companies and they have legal rights about this even this is against the consumer rights but there is no organisation which can help the consumer problem related to the insurance, this is fact. I have lost my 5 year NCB in private policy and in taxi 4 year NCB as well. because insurance companies always require the original letter from the previous company. now my current company(churchill) they will give me NCB in private policy. they are not giving me back my original letters mentioned 4 years NCB in taxi and they do not mention it on their letter as well. when i shall go in the market to find out the taxi policy again they will treat me like a new taxi driver and insurance premium would be very high. this is the way insurance companies make millions of pound.

if anybody have any more knowledge about the rules and regulations or can tell me the solution, i would be very thankful.

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