Jump to content

  • Tweets

  • Posts

    • stop fretting can you help use to help you get that other thread running and lets have the details of your other debts it will form part of your response. continually sitting there pondering this and that which is totally irrelevant. 
    • Thanks for this. What should I do if they refuse to negotiate anything on a monthly / weekly basis. I will go to FOS absolutely but unfortunately that still leaves me with the panic every day about the car. 
    • The ideal would be a negotiated discounted settlement  The cards in your hand are that you would most certainly win an irl complaint via the fos And the behaviour of Burlington  Im not so certain that you would win on unfair treatment given that for a LBL company they have been pretty accommodating for the best part of a year  If they don't agree to negotiate on a monthly payment of the 1500 then straight off to the fos Only if things get dicey consider a time order due to your other debt a t/o could get messy
    • Sorry to disagree. Credit file drops off at 6 years, which is the Statute Bar period for 'simple contract debts' But the limitation period for mortgage debts is 12 years.   https://www.nationaldebtline.org/fact-sheet-library/statute-barred-debts-ew-/   So (in theory, at least(, it can drop off a credit file at 6 years, the lender can issue a County Court claim at any point up to 12 years, and IF they do, and IF they succeed, the CCJ then shows on your credit file....... yes, there are lots of 'IF's there, but it isnt as cut and dried as at first glance.
    • Hi all    Thank you so much for all your comments and advice, especially @bankfodder    The treadmill was a Proform pro 1500. Icon are the manufacturer.    Just to clarify this is the second machine we had. The initial treadmill we had for approx 2 months. Again this was working fine one day then would not switch on the next. We reported this to Sweatband who redirected us to the manufacturer. The problem was the same with the electrics however on that occasion the manufacturer indicated there was a problem with alignment of the running surface and they sent a replacement. Now the electric problem is the same issue but they are saying the item is in an unsuitable environmental.    I have reviewed Sweatband's website again and now I notice there is a small Q & A section at the bottom which states as follows:    "Can I keep this treadmill in my garage? if your garage is insulated and is warm and dry throughout the year then it will be OK. However if it's an ordinary garage without heating or insulation we'd say it's better not to put it in there as cold and damp conditions may damage the electronic components."    Do you think this now means we have no protection? I cannot say if this was on there when we purchased the treadmill. I am also reading a number of reviews from other people indicating the treadmill has packed in after short usage. These reviews are all after we made our purchase.    Thank you again  EM0149
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Length of ownership affects car insurance premium - is this right?

Please note that this topic has not had any new posts for the last 3143 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Daughter acquired her latest car in Apr 2012, notified her insurance co and paid the additional premium versus her old car.. Policy expired mid-May. xxxxxxxxxxxxxx" filled in her details (which included date of car purchase) and chose Hastings Direct, who insured her (she has 5 years NCB) but subsequently asked for sight of V5C.

They then sent her a letter which arrived today (12th June) advising they had debited her a further £140. They SAY she put her acquisition date as 2005, and the premium increase reflects her increased risk of accident due to unfamiliarity with the car (it's a 1.4 Fiesta) - and that underwriters reduce premiums for cars owned a long time.


Is this correct? a 33% premium increase just because she has a "new" 10 year-old car?

Link to post
Share on other sites

Yes it is the case. If you go onto the comparison sites, you can compare the prices yourself by going back and changing the details. It could be a whole lot worse if they chose to refuse you insurance - something you would have to declare to all insurers in future, and your insurance would sky rocket even more.

Link to post
Share on other sites
Link to post
Share on other sites

Hi Yabbadoo, Thanks for your post, I am sorry to hear you are experiencing issues with our service. If you would like to send me an email with some of the policy details I will make sure that this gets looked into for you. We are always looking to improve our service and it's valuable feedback like yours that helps us to do so.Many Thanks, Jamie Wicks, socialmedia@hastingsdirect.com

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...