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    • I subscribe to a company called Audible - they are owned by Amazon and they provide audio books. I work as an HGV driver and so I find listening to a book is great for swallowing up the long distances being travelled on the road.   Quite recently, I bought a book and it is proving to be an eye opener in relation to the subject of weight loss. One of its main topics is to discover why so many of us are 'obese'. In the book the author (who seems to be a respected Doctor and researcher) goes on to say that the human body itself is responsible for gaining weight and it is not because of people with low willpower. It also shines a light on what food companies have been doing over the last 40 or so years which has contributed to the existing obsity problem.   I put it out here because I think it would be a great read or listen for those, who like me want to lose weight and keep it off.   It may be better to obtain the printed copy of the book because there seems to be graphs and pictures which I am not able to view because its an audio book.   The book is called: The Obesity Code Unlocking the Secrets of Weightloss by Dr Jason Fung.   I have not finished the book yet so I have not got to the conclusions bit but I notice by doing an Amazon search that there is also an Obsity Code Cookbook so that will be my next purchase.   I will say that what I have heard from the book so far, it seems very balanced and it looks like common sense mixed in with practical advice which will undoubtedly help a lot of people.   I will let you all make up your own minds about it though.   Regards   Alan
    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
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Car written off and settlement delayed

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Good Afternoon,I was looking for some advice.I had an accinet saturday before christmas in the heavy rain, flash flooding caused me to skid and inturn end up driving off the side of the motorway, luckyly I was not injured, however my car was written off. Up until now, both my insurance and GAP insurance have been very helpful. Both have agreed I am covered. However, I am without a car, my policy did not give me a courtsy car in the event of a write off. This is posing a problem, I need a car to commute, last week I borrowed, this week I hired, but this has an expence I cant afford to continue, especially as I still have to pay my finance on the car until all is settled. The problem is that with out the GAP payout, I can't afford the deposit on a new car, they say their lead time is 2 weeks from recieving the paperwork from my insurance. My insurance say unfortuatly, we have a backlog and will get to your claim in due course, about 3 weeks. So that is 5 weeks before I can replace my written off car. Meaning I am stuck, without a car until they pull their fingers out. Why should I suffer by the understaffing of the insurance company to cover their back log? How does this relate to my accident, I paid their premium for a decent cover? Could anyone give me advice please?

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I am currently worried that I will have to foot the bill for a hire car for 5 weeks and there is nothing I am do about it?

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4-6 weeks is pretty standard for a settlement of a total loss claim. As this accident claim is a fault claim and the policy does not provide for a hire car, then alternative transport will be at your cost. If you cannot afford the cost of this and need altenative private transport, then ask your Car Insurers for an urgent interim payment.


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I pressed yesterday as much as a can, asking what else could be done, because their payout covers the finance only, I would not see anyof it anyway. All I need them to do is give me something that I can give to the GAP, but they won'y even look at it until it's my turn in their que.

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Nothing you van do except wait for it to be settled.

As you say the payout will got the finance co anyway.

the problem arises when the gap insurance valuation and the insurance co valuation dont match; if with the same co may not be a problem and come up with the same figure.

Also you may have to haggle a bit about what they want to pay out, they will offer trade, but you want retail purchase value!!! watch out for any shortfall that you may be stuck with.

So be on your guard.

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Thanks for the help, like said, looks I'm responsible for the intrim transport needs.I have got the settlement to within £10, so there isn'u a problem.I am just annoyed that, they delayed over Christmas, to pick up the car etc, because they closed, and inturn, delayed the offer, adding a few more weeks onto my wait

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Have a word with your car Insurers as some of them have an agreement with Enterprise whereby you get massively reduced hire car charges, not many do it but it's worth asking

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