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    • Can you not hand deliver the letter of rejection to Canalside Motors quoting the the bank transfer reference number ?
    • Thanks - I posted the letter this morning. I'll spend the next few days getting familiar with the consumer rights act and the MCOL service. 
    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
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Poor communication with and within Haistings (and an uninsured driver?)

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I had an accident on the 31st July...


I was driving down a main road when a car didn't stop at a stop sign, and pulled straight out in front of me. We exchanged details and everything, he said it was a company car and he didn't know the insurance company but he gave me the name of the company. When I got home I rang Hastings and gave them all the details. The next day Albany phoned, a courtesy car was arranged and my car was booked in for collection.


That afternoon the driver of the other car rang me to say that he wasn't on their fleet policy so was uninsured. I then rang Hastings and told them what he had told me; they said I would be covered under the uninsured drivers promise - it wouldn't effect my no claims, if they proved he was uninsured then my excess would be waived, else my excess would be claimed back either from the otherside or under the promise. In any case Hastings canceled Albany and issued new instructions to Nationwide.


Nationwide then collected my car, gave me a courtesy car, and kept me informed every step of the way. They told me on the 7th August they had issued a quote for repairs to Hastings, and were waiting for instructions. On the 9th Nationwide phoned me to arrange collection of the courtesy car as my vehicle had been declared a total loss. During this phone call they said they had waited to phone, so Hastings had the time to call me and inform me of the total loss.


On the 12th August I had still not been contacted by Hastings, so I decided to contact them. The person on the phone didn't know about the total loss, and had to put me on hold to phone nationwide. Once she came back to me she told me that Hastings hadn't been informed of the total loss until now. - How can this be? Surely it is Hastings who decide whether to repair my car or not?


During the past two weeks I have phoned Hastings a number of times to try establish what is going on, and each time I get told something different. However I have asked whether the other driver is insured numerous times and each time; I get told the car is insured but the drivers not. Each time I get told that means my claim will be dealt with under the uninsured drivers promise. When I then discuss what this means - I get told my no claims wont be affected. When I ask about my excess they tell me I still have to pay it, as the insurance schedule only says I keep my no claims. This is despite the fact the website says I don't pay my excess (I have evidence to prove this, in case they change it) and the first guy telling me my excess would be waived if it was proved he was uninsured.


Yesterday I had a phone call to tell me what happens next. Suddenly Hastings are claiming that since the other car was insured, he technically wasn't an uninsured driver and they will be claiming against the fleet insurance, I will have to pay my excess but will be able to claim it from the other party if they admit liability. - Now to me this just seems like Hastings is trying to pull a fast one, so I have to shoulder the costs and I loose my no claims. No way is the fleet insurer going to admit liability for a driver not on their policy! If it was the other way round Hastings wouldn't admit liability would they!


Finally I got a letter today saying I need to send my V5C (along with other documents) to the address below, however there was no address below! I find the need to send my V5c strange, seen as I will need to use this to 'sell' the car to Hastings once we have agreed a price.

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Hi me54m, Thank you for taking the time to post about your experience, I am sorry to hear that there has been some confusion with your claim. Can you please contact us directly and supply your policy details so that we can get this looked into and hopefully resolved? help@hastingsdirect.com Many Thanks, Jamie

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To update this thread 11 months on...

Things are still trundling on with my claim. I eventually received a cheque from Hastings in August/September. I then heard nothing until I got a letter from Hastings solicitor, asking for uninsured losses etc. Having spoken to the solicitor, it seems like the other side had no idea of the claim, that was weeks ago.


Now my renewal has come up, it's more than double what it was and I've lost my no claims. I don't think this is fair given the fact Hastings have taken far too long to sort things out. If the other party admit liability then Hastings get paid, if they don't because the other driver was an uninsured driver then Hastings can claim their money from the MIB (which is what I think they should have done from the start, and what I got told in the first place.) Either way Hastings will get paid, yet I'm having to take the hit!

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Hi me54m,


Thank you for taking the time to update your thread, if you would like me to take a look into this matter any further please drop me an email and I will be happy to liaise with the claims team on your behalf. help@hastingsdirect.com


Many Thanks,


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