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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
    • Kim Kyeong Yeon developed his virus-destroying machine after his child injured herself. View the full article
    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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which car cheepist to insure for an 18yr old


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which car cheepist to insure for an 18yr old. my lad is goingto do his car test and could do to know what type of car to look for. I know some of his mates have bought cars and are paying over £3000 insurance on cars that cost £1500 to buy. any advice welcome

 

Thanks

I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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which car cheepist to insure for an 18yr old. my lad is goingto do his car test and could do to know what type of car to look for. I know some of his mates have bought cars and are paying over £3000 insurance on cars that cost £1500 to buy. any advice welcome

 

Thanks

 

I would just shop around and use comparison sites to do quotes on a few different vehicles.

 

Try and stay away from boy racer style cars such as the corsa/saxo/clio as I think these might attract higher prices (although I am not certain).

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Any car in insurance group 1 - http://www.parkers.co.uk/cars/insurance/car-insurance-groups/?ig=1

 

Adding a parent as named driver will bring down the cost too.

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A Corsa is not a 'boy racer style car' as standard. Fitting those useless parts from the small ads goes some way to converting them into one, plus they also invalidate the insurance if undisclosed.

 

Have you checked if your son would like a small capacity historic car (VW Beetle/Morris Minor) ?

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thanks for the replys

 

I would just shop around and use comparison sites to do quotes on a few different vehicles.QUOTE]

tried comparison sites but so many cars that filling in same details over and over and over started melting my brain. :madgrin:

seemed best to ask here as I;m sure many have been here before me.

 

Any car in insurance group 1 - http://www.parkers.co.uk/cars/insurance/car-insurance-groups/?ig=1

 

Adding a parent as named driver will bring down the cost too.

 

didnt know the parkers guide still existed..... been many moons since I last bought a car or id proably have thought of it. thanks for the memory jog. ill go their when Ive washed the pots...

 

A Corsa is not a 'boy racer style car' as standard. Fitting those useless parts from the small ads goes some way to converting them into one, plus they also invalidate the insurance if undisclosed.

 

Have you checked if your son would like a small capacity historic car (VW Beetle/Morris Minor) ?

 

I think he'd gor for a beatle its just finding one thats old enough for classic insurance thats in our price range.

I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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If you choose a corsa, be aware that the low insurance ones are the newer models and not the pre-2000 ones.

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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A Corsa is not a 'boy racer style car' as standard. Fitting those useless parts from the small ads goes some way to converting them into one, plus they also invalidate the insurance if undisclosed.

 

Have you checked if your son would like a small capacity historic car (VW Beetle/Morris Minor) ?

 

The insurance for a old corsa b is high, whether this be due to the market it attracts or the lack of security I am not sure.

 

If you choose a corsa, be aware that the low insurance ones are the newer models and not the pre-2000 ones.

 

This.

 

Have you tried a Nissan Micra or VW Polo?

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The insurance for a old corsa b is high, whether this be due to the market it attracts or the lack of security I am not sure.

 

Tell me about it. Ive been stuck with one for the past few months since my 3 series engine decided it wanted to die.

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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There are a few companies that specialise in providing insurance for learner drivers and young people who have just passed their driving test. I have provided a link to one such company. To avoid any possible adverse comments; I have no interest (financial or otherwise) in the said company. I think you may be pleasantly surprised.

 

http://www.wearemarmalade.co.uk/

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Be very wary of insure the box. You are only allowed to drive at certain times of the day, and only a certain mileage. They even restrict you to certain types of roads. That company is pretty much there to insure old drivers, or those that do a few miles per week only doing the shopping.

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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As mentioned, any cars in the lower insurance group

 

My first car was a nissan micra 1.3 and it cost me £700 and cost to insure £1500 and that wasn't that long ago

 

I put my dad down as an additional driver and that helped a bit and also if you drive might be worth asking your company about multiple car discounts, I always find direct line cheapest for me personally

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Makes me feel really old, my renewal was £180. Still, I can see why insurance is dear for youngsters, I had a young lad of 18 in my shop who passed his test on Monday and promptly crashed his Saxo Tuesday evening. He came in again on Thursday and he`d crashed again!

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Sorry renegadeimp but your information about insure the box is incorrect. There are NO time restrictions and drivers are allowed 6,000 miles on the policy although extra miles can be bought. They do not restrict driving to certain types of roads and in fact give bonus miles of up to 100 per month depending on how you drive. Information is collected by a telematics box installed in the car and can be accessed via your home computer at any time to see where you could improve your driving. You must be thinking of other insurers who use similar systems (maybe ikube). I can assure you that my daughter is not elderly and is really happy with her insurance.

Dont let the parasite dca's prosper

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Sorry renegadeimp but your information about insure the box is incorrect. There are NO time restrictions and drivers are allowed 6,000 miles on the policy although extra miles can be bought. They do not restrict driving to certain types of roads and in fact give bonus miles of up to 100 per month depending on how you drive. Information is collected by a telematics box installed in the car and can be accessed via your home computer at any time to see where you could improve your driving. You must be thinking of other insurers who use similar systems (maybe ikube). I can assure you that my daughter is not elderly and is really happy with her insurance.

 

There are restrictions. For instance, they dont allow you to drive in peak hours. If you do, then they invoke a penalty clause which can mean that You use extra miles to travel during that period. Been there, done it. Got the t-shirt, will NEVER insure with them again.

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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thanks for all the help/feedbak, been trawling about tinternet and my wallet is not happy with me. when he finaly passes his test i should be well informed enough not to bankrupt myself.

 

if id know twenty years ago what I know now, i'd have had the snip. life would be a lot quieter and a damb site cheaper.

 

thanks again

I was told life was supposed to be one long learning curve.

Mines more a series of hairpin bends.

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This is directly from insure the box's website

 

Incentives not penalties - With insurethebox there are no fines and no curfews, we take a positive approach to encourage our customers to drive more responsibly and safely. Safe driving can earn you Bonus Miles and save you money on your renewal price, not to mention reducing road accidents and even saving lives.

 

Perhaps things have changed since you insured with them. However you are entitled to think what you want and I am certainly not in the slightest interested who the OP finally chooses to insure with.

Dont let the parasite dca's prosper

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I am with an insurance company that allows family cars under their own policy and managed to get my 19yo insurance at £300 for the year and in his name, dont know if I am allowed to mention insurance company names

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I am insured with insure the box and there are no restrictions on where/when you can drive whatsoever, the only issue with driving at "peak times" for accidents is that you will potentially earn less bonus miles that month.

 

These are "bonus's" anyway and so I just see it as, anything over the 6000 I've paid for is welcome, whether it's 20 a month, or the full 100.

 

I've been with them 3 years and have never had an issue. There's always the risk of next years insurance being slightly higher, but if your a sensible driver, then driving at "peak times" for accidents occasionally will not have a significant impact on your premiums. And there's always the option of shopping around again at the end of the year.

 

The main thing for me when I was 19, I couldn't afford another company, and you'll be safe in the knowledge that premiums wouldn't go up without notification at renewal anyway, whatever you're quoted for the year, is what you'll pay, they don't review at random intervals through the year.

 

It's always useful to have a tracker box too, as if your cars stolen, you'll know exactly where it is!

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