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    • Can anybody advise me please?   Been living in rented accommodation for over 11 years, old landlord who leased property with his shop has now left and so agents have become my new landlords, so gave me a new contract.   I'm really nervous as not sure what my rights are and could I get evicted as new contract says short term, 6 months.
    • It's the only way to proceed, he has to prove irrevocably that he gave me that information, and agreed to it, which he cannot do because it doesn't exist. Not only that, he sent me a trade sales invoice, other than that you're pretty spot on.
    • Sorry - need to put my glasses on!   I think you and the other posters have been at cross-purposes because they haven't followed what you are trying to argue.  You aren't arguing a fault etc with the car, you simply want to cancel it as a distance sale, and because the vendor did not provide the necessary cancellation information pre-contract in a durable medium, you are saying that you therefore have 12 months plus 14 days to cancel AND that the vendor has to pay the collection/recovery costs.   Although I understand that argument, I don't know if that's the best way to proceed or not.   I suspect not many people have tried to argue it with second-hand cars.  And that might be, for some reason I don't know, that it's a non-starter or it's too risky.
    • No, not all all.  It's up to them to prove you were the driver.  Well done in not telling them!   Remember in all this you are legally in the right.  Their parking fee was paid.  You're not trying to "get out" of something you owe.  They are in the wrong as far as the law goes.   So how about sending them something like -   Dear BW Legal,   cheers for your Letter Before Claim.   I don't earn owe your clients a bean, indeed your clients owe the driver of the vehicle who paid the parking fee - twice.  It is your clients' responsibility if the machines they buy second hand on eBay don't work properly because they're too tight to pay a technician to maintain them.   Your clients also gave me to no right of appeal or of paying a discount in contravention of their own industry's Code of Conduct.   You can either drop this foolishness now or your clients can get a good hiding in court, both are fine by me.  I fancy a winter holiday and I fancy financing it by an unreasonable costs order under CPR27.14(2)(g).   COPIED TO NCP   The reason i say to send to NCP too is because unscrupulous solicitors are well into their clients starting claims which are bound to lose, after all they get the £££ in any case.
    • appeal one has ref number showing other pix to screen removed please use PDF only     dx
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      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
       
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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

 

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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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