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    • So ignore any calls/letters off DCAs and try and work with PayPal directly to pay small amounts that I can afford?  Like ive said, I’ve opened a new bank account and transferred my regular in’s and out’s to that account. I’ve removed my old debit card from PayPal but left on there my old bank account info, reason being I’m hoping that makes it easier to send payments to PayPal. Does this seem a good idea? 
    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
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edinburghguy15

Is hasting group any good for car insurance?

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Hello all

 

I am very new to this website, and the reason I'm posting here is because this comes in the top with regards to the reviews.

 

So the situation is, I'm planning to buy a car next week, and I was checking for Insurances on Google, for obvious reasons Hasting Direct is coming up as the Cheapest. The quotes I'm getting so far are as follows:

(I'm only 20 and I passed my Test last month, so the Insurance is costing me a FORTUNE, and that's the reason why I WOULD LIKE TO VERY CAREFUL AS I AM PAYING A FORTUNE SO I NEED TO MAKE SURE I'M PAYING IT FOR GOOD AND NOT GETTING IN WRONG HANDS)

 

1. Hasting Direct: £ 1,679. Doesny include Legal & Windscreen!

 

2. INSURE: 1,679. Doesny include Legal & Breakdown!

 

3. People's Chocie: £1,679. NO Legal & Breakdown

 

4. Hasting Premier: £ 1,739. Includes Legal, Courtesy Car, Breakdown & Windscreen.

 

5. Likewise: £1,862. Includes Everything!

 

 

ALSO THESE QUOTES ARE ONLY WITH TOTAL OF £145 EXCESS!

 

Other than these mentioned are all over £2,200 which I am really canny offered it!

 

So, as I said, I would like to make sure that I'm investing my hard earned money in good!

 

YOUR HELP WOULD BE REALLY APPRECIATED, THANKS ALL!

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If you look at the complaint statistics from the FOS, you will see some of these names having work to do, to improve their customer services. You may use them and have no problems.

 

Ask yourself the question as to why you are shopping online for your Insurance, when previous surveys have shown that it is often cheaper to arrange through a high street broker. There have been a number of TV programmes that have looked at cost of Insurances for younger drivers and in many they have managed to get the best quote from local Insurance brokers. If you use a brokers, they can help you with any issues you have in the future e.g delays with a claim.

 

If you search for brokers, try to avoid Swintons who are owned by a large French Insurers, who don't appear to be interested in customer service.


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Get a black box provider and limit the amount you drive and the times you drive for the first year. It could drop your premiums by 50% but there are strict rules to follow


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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http://www.consumeractiongroup.co.uk/forum/showthread.php?399453-The-best-and-worst-car-insurers

 

 

The Best Car Insurer

 

NFU blew the competition out of the water and achieved a score of 89.09%, ticking the right boxes for great customer service and attentive staff.

 

 

 

 

 

 

Have a read of the article linked above.

 

If you scroll down the page, Hastings came in around 37th !


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3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

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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If you search for brokers, try to avoid Swintons who are owned by a large French Insurers, who don't appear to be interested in customer service.

sorry but im with swintons have been for 4years, i have never had a problem with them, they have always been polite and helpful to me and i always get fairly cheap quotes from them.

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Hello leigh.

 

Thank you for commenting and I'm pleased you've had a good experience with Swintons. We've seen posts here that show that other people haven't been so lucky, sadly.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Hello leigh.

 

Thank you for commenting and I'm pleased you've had a good experience with Swintons. We've seen posts here that show that other people haven't been so lucky, sadly.

 

My best, HB

Your welcome HB,

 

But its the same for anything isnt it some people have no problems whilst others do.

Yes i have been lucky i suppose and Swintons have been good to me but maybe not others, which is shame but my local office customer services are very polite,understanding and helpful.

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If you look at the complaint statistics from the FOS, you will see some of these names having work to do, to improve their customer services. You may use them and have no problems.

 

Ask yourself the question as to why you are shopping online for your Insurance, when previous surveys have shown that it is often cheaper to arrange through a high street broker. There have been a number of TV programmes that have looked at cost of Insurances for younger drivers and in many they have managed to get the best quote from local Insurance brokers. If you use a brokers, they can help you with any issues you have in the future e.g delays with a claim.

 

If you search for brokers, try to avoid Swintons who are owned by a large French Insurers, who don't appear to be interested in customer service.

 

The only reason I'm shopping Online is because that's what I was being told to by my pals who's been driving for years and years now. And I never knew anything about the Brokers or TV programs or anything like that, and I also felt that doing it online makes it handy. You know I mean? You just get an Instant Reply straight away.

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I really don't wan't to do that, I dannie wan't anything like that which keeps track of me, Na, that's a straight No, but thanks for your help!

 

BTW this reply was for {renegadeimp} regarding the Box!

Edited by edinburghguy15

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Have a read of the article linked above.

 

If you scroll down the page, Hastings came in around 37th !

 

After looking at this list, I just rang NFU straight away to get a quote and I couldny believe when the lassie on the phone told me the quote, OMG, it is about £7,000 :!: and I was like, You Winding Me Up?

 

Hahaha, now why would anybody pay for that, not me I mean just anybody, that's stupid!

 

I'll try some others and see if I get any cheaper anywhere else.

 

But really appreciate your reply bud, ta!

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After looking at this list, I just rang NFU straight away to get a quote and I couldny believe when the lassie on the phone told me the quote, OMG, it is about £7,000 :!: and I was like, You Winding Me Up?

 

Hahaha, now why would anybody pay for that, not me I mean just anybody, that's stupid!

 

I'll try some others and see if I get any cheaper anywhere else.

 

But really appreciate your reply bud, ta!

 

Sheesh.. !!! I agree that is just plain bizarre, however, I guess it is probably one reason they are quoted as one of the best !! They can afford to be.

 

You say your pal advised you the best way to obtain quotes - what insurer is he with and would the company he is with offer a discount for him referring you ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I really don't wan't to do that, I dannie wan't anything like that which keeps track of me, Na, that's a straight No, but thanks for your help!

 

BTW this reply was for {renegadeimp} regarding the Box!

 

Understandable but at your age, you are going to be looking at over £1000 guaranteed, unless you go for the box, you go for third party insurance ( not recommended), or you hike up your excess.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Understandable but at your age, you are going to be looking at over £1000 guaranteed, unless you go for the box, you go for third party insurance ( not recommended), or you hike up your excess.

 

That's what I've been thinking about it today that I should probably increase my Voluntary Excess to £200 & the Compulsory is £95 and that a total of roughly £300, and if I get the Likewise to even £1500, I would buy it, because if u look at it, If I don't make a Claim I would be saving myself £300 straight away whereas if I do Claim it then I would pay £300, which I was gonni pay initially, so might as well hope for the best and save myself £300. If that make sense?

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Sheesh.. !!! I agree that is just plain bizarre, however, I guess it is probably one reason they are quoted as one of the best !! They can afford to be.

 

You say your pal advised you the best way to obtain quotes - what insurer is he with and would the company he is with offer a discount for him referring you ?

 

I don't know, I got quite a few but they keep on changing there's every year so I don't know, lets see if increasing my excess makes a big difference first!

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Hastings have their own dedicated section on this forum, can you guess why?

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Hastings have their own dedicated section on this forum, can you guess why?

 

Fair enough mate, I can understand! But tbh I haveny got any other choice & that's because all these companies I mentioned earlier on they all are part of the Hasting Group, I didn't knew about it before but I just spotted it on their website so regardless the fact I go to any I would be getting the same level of Service, I'm assuming.

 

And also,because my choice is very limited at the moment I guess I'll be better off taking the cheapest one i.e Hasting Direct and be a good driver for a year and don't make any claim.

 

This will eventually result in me turning 21 with 1 year NCB and then hopefully I'll be having better choices next year and then I can move onto any freely, if that make any sense?

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Hello there.

 

You still have Uncle Bulgaria's suggestion of speaking to a local broker. It won't cost you anything to get some quotes and you would have other help from a broker, as UB mentioned.

 

HB


Illegitimi non carborundum

 

 

 

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