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    • Well If I pay British Gas £90 a month they’ll be paid off in about 17 months. That’s a long time but if it’s gunna effect my credit rating until November 2023 why bother paying it off early?    Ive worked out too the PDL default will be 6 years old on the 22/01/2020 so is there a point even doing anything with it? If it gets removed after 6 years does that mean I won’t have to pay it back?    Thanks  Andrew 
    • Minor developments:   a) Notification received that case has been referred to County Court at Chesterfield and we've to await the Judge's directions re allocation etc.    b) The letter I sent on 20th August to the agent (Lambert Smith Hampton) that manages the Berkeley Precinct and has its address on the board at the entrance, has been returned by the Royal Mail National Returns Centre, with a sticker saying the "addressee has gone away"!!   Don't they have an obligation to change the signage if they move, and why wouldn't such a large company have their mail re-directed?   The letter requested assistance in obtaining a copy of the contract between VCS and the landowner. I'm a bit mystified, but have found an additional address, so I could resend the letter and give it another try. 
    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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jo_loop

ecar NCD

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Hello,

 

I had ecar insurance for the past 3 years. They offered me a renewal of more than 3000 a year. I asked for the proof of NCD and they sent me a letter saying that I had 0 years NCD and inviting me to renew. The only incident that I had was when another car hit me from the back while I was stationary at a roundabout. I notified them as I was supposed to, was given ref. no.and told they would contact me if there was any development. They never did. I didn't claim as there was no damage. I tried to contact them now but to no avail.

 

The only companies that offer me 'quite' cheap insurance are underwritten by Souther Rock, same as ecar. They include Asda, Admiral, Diamond, Sheila's Wheels.

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Hello,

 

I had ecar insurance for the past 3 years. They offered me a renewal of more than 3000 a year. I asked for the proof of NCD and they sent me a letter saying that I had 0 years NCD and inviting me to renew. The only incident that I had was when another car hit me from the back while I was stationary at a roundabout. I notified them as I was supposed to, was given ref. no.and told they would contact me if there was any development. They never did. I didn't claim as there was no damage. I tried to contact them now but to no avail.

 

The only companies that offer me 'quite' cheap insurance are underwritten by Souther Rock, same as ecar. They include Asda, Admiral, Diamond, Sheila's Wheels.

 

Sorry, just help. Any suggestions? What should I do?

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Hello and Welcome jo_loop,

 

It can be quiet on the Forum over the weekend, it may take a bit of time before you get some advice, how many years NCD did you have.

 

Regards,

 

Scott.


 
 

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Hello,

 

I had ecar insurance for the past 3 years. They offered me a renewal of more than 3000 a year. I asked for the proof of NCD and they sent me a letter saying that I had 0 years NCD and inviting me to renew. The only incident that I had was when another car hit me from the back while I was stationary at a roundabout. I notified them as I was supposed to, was given ref. no.and told they would contact me if there was any development. They never did. I didn't claim as there was no damage. I tried to contact them now but to no avail.

 

The only companies that offer me 'quite' cheap insurance are underwritten by Souther Rock, same as ecar. They include Asda, Admiral, Diamond, Sheila's Wheels.

 

You need to speak to Ecar about the claim and reinstating the no claims. If you are not claiming and it as a non fault type incident, then they may be willing to reinstate this, so you then have proof of 3 years. That will make a massive difference to the quotes you can obtain.

 

The problem of high quotes is down to you having 0 NCD with the open claim on record. This claim is showing on the Claims Underwriting Exchange (CUE). CUE is the central database where Insurers share claims information.

 

So you have no choice but to start making a few phone calls to Ecar. First the claims department about the open claim. Get them to close the claim off as non fault and to instruct their underwriting team to look at the NCD level, so that it can be reinstated. You then need proof of the NCD at 3 years. This may take a few phone calls to achieve.

 

See if you can use this local rate number 01454 634100 rather than the expensive 0870 number they provide.


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You need to speak to Ecar about the claim and reinstating the no claims. If you are not claiming and it as a non fault type incident, then they may be willing to reinstate this, so you then have proof of 3 years. That will make a massive difference to the quotes you can obtain.

 

The problem of high quotes is down to you having 0 NCD with the open claim on record. This claim is showing on the Claims Underwriting Exchange (CUE). CUE is the central database where Insurers share claims information.

 

So you have no choice but to start making a few phone calls to Ecar. First the claims department about the open claim. Get them to close the claim off as non fault and to instruct their underwriting team to look at the NCD level, so that it can be reinstated. You then need proof of the NCD at 3 years. This may take a few phone calls to achieve.

 

See if you can use this local rate number 01454 634100 rather than the expensive 0870 number they provide.

 

Thank you. That explains a lot. I phoned Ecar on the above number but they simply disconnect after a few minutes. Will try again.

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Finally someone answered. They told me to ring the customer service tomorrow on 08452190910.

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I phoned them. They apologised blaming the system and immediately emailed me a new proof with 3 years NCB. They said that everything is ok regarding my non-fault accident. However, my quotations did not change so I think I'll call them again tomorrow.

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I phoned them. They apologised blaming the system and immediately emailed me a new proof with 3 years NCB. They said that everything is ok regarding my non-fault accident. However, my quotations did not change so I think I'll call them again tomorrow.

 

You probably need to start new quotations from scratch with the correct information.

 

I think you may be better off going to a local brokers with the 3 years NCD proof, as they may be able to quote you a better premium.


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