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    • I don't know how it works where you are but generally watersure tariff is capped at about £37 a month regardless of how much water you use, having a look at your area on the net it is about £438 a year,.do they ask you by letter  yearly or every 2 years to send them info to confirm you still meet the criteria to get watersure tariff, if you don't send it to them  they will put you on standard tariff. 
    • Hi Papat and welcome to CAG   Find one of my drafts on another thread and adapt it to say :-   I cancelled due to relocation to go to Uni and could not use the gym any more.   I now realise I should have given one month's notice and paid a final month's fee.   I'll pay this if you accept my  offer within 14 days but the offer will be withdrawn if you demand any more.   Put a draft here for checking first if you want.   Send the  letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
    • Name of the Claimant ?  Hoist Finance UK Holdings 1LI   Date of issue – 11th Nov 2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002 The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD) Written notice of the assignment has been given. The Claimant claims 1.The sum of £2792 2. Costs   What is the total value of the claim? £2977  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.   Did you inform the claimant of your change of address? No, I'd never heard of Hoist Finance before Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card bill   When did you enter into the original agreement before or after April 2007 ? I genuinely don't know although according to Clear Score it was in 2010   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't know   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792   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. I assume it's a debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I don't remember receiving a notice of assignment.   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not that I remember   Why did you cease payments? I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear   What was the date of your last payment? I think it was July 2014 but it might have been May 2015.     Was there a dispute with the original creditor that remains unresolved? Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I did not I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me.  Please help with what I should do.  Thank you all in advance.
    • @Jase1982   I have been trying to get up to to speed, and struggling   "Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."   Labour declares a completely stark raving mad open door to anyone and everyone   Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)   Corbyn promises a new Scot ref, then doesn't then hums and hars.     So what actually is happening?     Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.   Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy - (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)     I cant make any coherent sense of it whatsoever. Bonkers.   correction: Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem - Corbyn and his quite small cabal of left wing loons ‌
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:mad2:Ok where to start before taking this out for my daughter we phioned hasting to see how much her insurance would go up once she passed her test as the quote was for £158 whilst she was learning

 

We were told around £100 - 250 for the year depending on her driving feed back - Fair eneough i thought

 

so understand that she did not use her car much for 6 months as she was learning in the drivers instructers car and did not do a lot of other driving infact the car stayed in the garage for nearly 3 months

 

Whjen she passed her test in Dec the insurance jumped to £376 A MONTH when i finally got up off the floor and called the insurance company they said that was correct and e-mails since sent have had no reply asking them to justify this cost

 

My daughter at most will drive 60 miles a week in a radius of 9 miles this has got to be a rip off, its a fiat panda 1.2 no mods basic car low mileage

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that's about average mate.she certainly wouldn't be paying £100-£250 for the year after just passing her test,theres a mistake there.

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that's about average mate.she certainly wouldn't be paying £100-£250 for the year after just passing her test,theres a mistake there.

 

An extra 100 to £250 quid a year rather than a quote without Telemetics running at an original £1950 and an agreed amount of £300 pounds when she passed her test

 

this has gone from £1580 a year with tele then jumped up to what would be over 4k is that right !!!!

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Sounds wrong to me, unless she is driving around like Justin Bieber !

 

I don't trust the way that Insurers are running these Telemetric policies.

 

Suggest cancelling and going elsewhere. She will get a better priced normal policy through a local brokers.

 

I will ask the site team to move this thread, as on the CAG Insurance page, we have a Hastings rep.


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Take a look at 6 or 10 month policies as well, since you get a full years NCB at the end of them. My first 3 policies were 6 month ones, meaning I had 3 years NCB in 18 months of driving.

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My partner has one of these but with through ingenie.

It was constantly saying she was speeding, harsh acceleration and harsh braking.

Now the brakes can be a bit bitey but the car is a 1.0 yaris. Certainly is not capable of fast acceleration ! Push bikes beat it away from the lights and up the road before it catches up lol

 

After repeated complaints they have made down policy refunds.

Tbh the box is going this year regardless of what the renewal cost is without. Partner spends more time looking at the speedo as mainly 20 zones here than she does the road.

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my niece passed her test aged 23,they wanted 3000 a year from her,shop around as advised

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:mad2:Ok where to start before taking this out for my daughter we phioned hasting to see how much her insurance would go up once she passed her test as the quote was for £158 whilst she was learning

 

We were told around £100 - 250 for the year depending on her driving feed back - Fair eneough i thought

 

so understand that she did not use her car much for 6 months as she was learning in the drivers instructers car and did not do a lot of other driving infact the car stayed in the garage for nearly 3 months

 

Whjen she passed her test in Dec the insurance jumped to £376 A MONTH when i finally got up off the floor and called the insurance company they said that was correct and e-mails since sent have had no reply asking them to justify this cost

 

My daughter at most will drive 60 miles a week in a radius of 9 miles this has got to be a rip off, its a fiat panda 1.2 no mods basic car low mileage

 

Hi John, Thank you for posting. Can you please contact us directly and supply some details about your daughters policy so that we can ask our Smartmiles team to check on the prices for you? help@hastingsdirect.com Many Thanks, Jamie

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