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    • Don't know. but I suspect its Mays deal with a UK/NI customs border in the sea and some mechanism where NI can back out of the EU alignment if there is a majority vote for it. aka no simple DUP veto/revoke.   .. which I believe the brexiters said was a no go when it was considered under May including Mays 'no Britsh PM could consider it   Wonder of Johnson is going to claim 'its a deal' so I don't need to ask for an extension whether parliament votes for it or not?      
    • they are out of time with their NTK anyway ignore them now sad you didn't spot this in the 1st place! none of what you have done was ever necessary!!
    • So what does this latest pronouncement from Juncker mean- is it more game playing or are we truly stuffed with my deal or no deal?
    • please answer the following questions.   1 Date of the infringement- 21/06/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]- 12/07/19   3 Date received 15/07/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? N I can't see it   5 Is there any photographic evidence of the event? Yes a ANPR Camera showing arrival and exit but separate parking machine in car park not at gates    6 Have you appealed? Y Post up your appeal] I am waiting for a copy of my appeal but I have other emails sent i can send  Have you had a response? Y. Email was never sent as they stated on 29th July. Finally got the notice of regection sent by email on 3rd Oct.    7 Who is the parking company? National Car Parks Limited owned by Park24.co   8. Where exactly [carpark name and town] NCP, Terrace Road, Bournemouth    For either option, does it say which appeals body they operate under. Not on the letter but found on line its BPA   There are two official bodies, the BPA and the IAS. If you are unsure, BPA please check HERE   If you have received any other correspondence, please mention it here   in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONL
    • Not much point in appealing. You paid for 4 hours and stayed for an extra 45 minutes. Goes to show what a bunch of crooks you are dealing with when you first appealed they delayed their response until you came liable for the higher charge and they wouldn't reduce that sum.   From now on just ignore everything you get from NCP  and their unregulated debt collectors (birds of a feather). They will try to frighten you with increased costs  that you can safely ignore.   In the  meantime please complete the questions asked by dx above and post up any PCNs so we can see if they got them right.   Also we need to see their signs in the car park especially the one at the entrance; any that are different from the others and the T and Cs on the ticket machine.   Before posting the PCNs please delete your name and reg. number plus anything else that might identify yourself.  
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rwaddell81

Unresolved Insurance Claim - Hastings Direct

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Please note: This is a separate query to the post (similar) in the Debt Collection Industry forums The OP is looking for advice / answers on the shoddy way Hastings have behaved in this. citizenB - Site team

 

***************************************************************************************************

Hi there,

 

I am posting my situation here in the hope that someone will be able to provide advice ad guidance. Here goes:

 

In June this year, my car was written off by the insurance company. I called my finance company (Mini finance) and explained the situation. They seemed happy with this, and requested that I keep them updated on the progress of the insurance claim.

 

The insurers have been dragging their heels since the claim was raised. It took 3 attempts to raise the claim in the first place. My insurers are Hastings Direct.

 

Despite numerous letters and telephone calls between myself and the insurers, the claim is still not finally settled. Their initial payment cheques was issued unsigned, and as mentioned, they have been dragging their heels in settling, by issuing cheques for the wrong amounts or not issuing cheques at all. Each telephone call to the insurers is followed by a call to the finance company updating them.

 

Due to the length of time it is taking to resolve this claim, a debt collection agency has become involved. They are called Bluestone Credit Management. Despite Mini finance informing me via telephone that this may happen, I have yet to receive a letter from them, that Bluestone have bought over the debt (which they have done as confirmed in a call today to Mini finance), and that Mini re no longer administrating the account. Mini are however happy to still receive cheques from the insurance company to reduce the amount outstanding, and then pass this information along to Bluestone.

 

Despite asking for confirmatory letters from the insurers as to when cheques have been sent out, and from Mini as to receipt, I am still waiting.

 

I have had a call today from Bluestone looking for payment in full. I have informed them that the claim is still in dispute and that I am unwilling to make any payments until this situation is resolved. I don’t think this to be an unreasonable stance to take as it is my money after all. However, the representative started to become quite pushy and insistant that I make payment today. I had to talk over her, and I informed her that as the conversation was going nowhere, and that my situation was not being taken into account, that I was terminating the phone call. Which I did.

 

Today, I received a letter from Bluestone to the effect that they are acting on behalf on Mini finance, and that they want payment of the full amount BY RETURN. Cheques are to be made out to Mini finance but sent to Bluestone.

 

I have lodged a complaint with the Financial Ombudsman Service over the insurer’s valuation of my vehicle, and as this is currently ongoing, this is my reasoning for not making payment.

 

Now the figures! At the time my car was written off, there was just over £16000 to pay on the finance. At the time of buying the car, I did not take out gap insurance as Mini were looking for a further £500 on top of a £500 cash deposit. There was no opportunity to spread this payment over a period of time.

 

To date, the insurers have paid out a total of £15,271. £12,480 (after the excess was deducted (that was £345)). £962 after they identified that they had valued the vehicle incorrectly (wrong model despite my insurance details being correct foe the model). £601 after I complained about the value of the vehicle. £883 for accessories which would enhance the desirability of the vehicle (and £345 excess deducted). And a final cheque for £345 to cover the second excess amount that was deducted.

 

This leaves an outstanding amount of £1271.76, however Bluestone are looking for £2499.76, as they have not factored in the final 2 amounts paid by the insurers. They have been told this, but they don’t seem to be interested in knowing the details.

 

The insurers have said that they have paid out 81% of the vehicle value. My car was bought for £17,643.20 excl VAT (£20701.02 incl VAT). 81% of either amount is not £15,271.

 

I have been paying insurance premiums based on the car’s value being £16,000.

 

I do not know if I have answered my own question in this post, but is there anything further I can do?

Edited by citizenB

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Hi rwaddell81, I am glad that you have taken the time to post here on CAG and I hope that the members are able to provide some helpful advice. I am sorry to hear about the situation and would like to offer my assistance, if you send me the details I am sure that I can help you get this matter resolved. My contact email address is socialmedia@hastingsdirect.com Many Thanks, Jamie

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Hi Jamie. the claim reference number is 00 11 565 08, If you need anything else, let me know.

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Hi Robert, I just wanted to post and let you know that I have made the relevant members of our team aware of this situation and passed on the details you have provided above. If you have any update please feel free to post it or contact me directly via email. socialmedia@hastingsdirect.com Many Thanks, Jamie

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What has been happening on the Bluestone side of things Robert ??

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Hi, Nothing as yet. I sent them a letter (posted on Xamas eve) requesting an up to date balance on what is owed, and I have yet to have a written reply.

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Sorry, the letter was sent to Bluestone on the 19th and I have heard nothing from them answering my questions. Only another letter demanding immediate payment.

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