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    • HB, is the Kent/France issue related to current arrangement with French border officers in Kent and UK border officers in France ?   Not sure whether this  arrangement will change from 1/1/21, if there is no deal.   Given previous actions by French farmers and industrial action by others, then with UK out of the EU, I can see problems ahead. Could there be blockades at French ports, with UK unable to exert much pressure through EU ?      
    • Very good, UB.   I'm not clear on the status of Kent now. People are talking about it being part of France, etc, but how is tht when the 'border' only applies to lorries?
    • Campaign starts ? Independence for Kent, so it becomes a separate customs area and can charge a tariff on goods transported through its territory.  With the money raised, citizens of Kent might then have little or no income taxes to pay.   I could see this campaign being started and it could grow in popularity.   Would be funny if Brexit led to break up of UK and break away by some English counties. 
    • SERCO seem to be a default company that Government use to perform contact centre type tasks. So any department faced with a problem, say a sudden increase in incoming phone calls, which they cannot handle, because they are dealing with more immediate issues such as making payments to the public, may in the short term involve SERCO.   SERCO seem to employ a lot of security cleared, DBS checked, financial checked etc employees, so they seem to be equipped and ready to manage tasks on behalf of Government departments.   No idea just how much work SERCO does on behalf of Government, but I should imagine it makes up a sizeable chunk of their business.   Public Health departments may want to perform the work themselves, but given the number of employees required, the recruitment process involved, the hours of work 24/7 and just how quick they need to be set up to perform the work, I question whether they are better placed to do so.   I would always prefer public sector employees over outsourced contracts, but I can understand why Government uses companies such as SERCO. 
    • Well, we’ve found something we agree on.   you’ve described the unfairness, but haven’t said what (realistically!) you feel your options are.
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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. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      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 .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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.

We could do with some help from you.

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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.

We could do with some help from you.

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

 

If you want advice on your thread please PM me a link to your thread

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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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