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    • I forgot to add I originally messaged them via there website which I still have access to . Was this Ok ? 
    • If I copied anybody into your complaint it would be your local Care Commissioning Group, not the GMC...
    • So ignore emails from ADCB now ?  I told them they will have to contact me by email and it will have to go to UK courts
    • Hello   Not a legal issue as such but wasn't sure where to ask advice on this.   I have just been awarded £2050 on a PPI claim.  I went through a claims company so i expected to pay them 40% plus VAT of the claim won.  However, i am querying the quoted court costs (which i was not informed about prior to this).  They are quoting the following court costs: -   £205 - Court Issue Fee £335 - Court Hearing Fee   I am no legal expert but these seem very high for such a small financial claim.  I will be lucky to see £500 of the initial £2050 if this is correct (yes i understand the 40% i could have avoided if i didnt use the claims company).  If these costs seem realistic then no probs with agreeing to them but if the claims company artificially inflated these for their own gain i would be none the wiser.     Can anyone advise please?   Thanks 
    • Our general hospital uses a similar system, but I don't think(?) it displays all your personal details for confirmation at the end of the process.  In fact I'm pretty sure that at the end of the process it displays only the last three or four digits of your 'phone number and you must confirm that this is correct.    Also at my GP's surgery it only asks for date and month of birth together with the initial letter of your surname and then it displays "Thank you.  You are recorded as attending".   I would say what you describe is a sort of breach of data protection, but not sure how serious it might be.  (I can see no valid reason for displaying full name and address etc if other hospitals' systems don't).   Go to the website of the NHS Trust in question and see what their complaints process is.  There may be two different processes: one for "general complaints" and a separate one for data protection complaints (eg direct to the trust's data controller*).   Personally, I would complain down both routes.  Don't, whatever you do, get diverted down the PALS (Patient Advice and Liaison Service) path as they won't be equipped to deal with this sort of issue.   As a former NHS manager I'd be interested to know what sort of reply you get.   FWIW I'm surprised(!) the ICO suggested complaining to the GMC as they won't be interested.  This isn't a medical staff issue - it's a trust data management issue.  (I'm really surprised at the ICO's suggestion on this - it's bonkers!).   *If you can't find out how to contact the Trust's data controller from their website, ring and ask them.   EDIT:  I wouldn't allow people to "shoulder surf" me.  Our trust makes it clear that people behind you have to stand behind a line so they can't see over your shoulder.  If anybody was standing directly behind me I would "politely" draw their attention to the notices and "ask" them to stand back.  If your hospital does not make this clear, that's another complaint...)
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jamesharris343

NCD - How long does it last in situ?

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Hi All,

 

Seem to find myself on here everyday at the minute !

 

I am cancelling my car insurance as presently have no valid driving license and recently learnt the insurance isnt worth jack while I dont have a valid license, but am keen to keep hold of my No Claims Discount (I have the maximum 9 years).

 

Can anyone confirm that the NCD is valid for at least 2 years while it sits in situ and not tagged to a policy?

 

I've got this 2 years from various googling, but all the posts are years old so I wanted to check this is still the case.

 

Also, when I cancel, what should I do - Ask them to post me my proof of no claims, or should I leave that until I actually need it when I take out a new policy later this year?

 

 

Thanks, James

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2 years is the usual period Insurers allow for NCD proof to be valid, while you don't have need of Insurance. There are some that will do up to 3 years, but you would have to check at the time.

 

Get the proof now, after cancellation. When you re-apply for Insurance, you would send this proof with a covering letter explaning that you have not had any Insurance for the period since.


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Treatment of NCD varies from insurer to insurer - there are no rules which are set in stone - but the large majority of insurers will accept it for up to 2 years from the end of your last policy. If you start an online quote and read the small print you'll usually see that one of the standard assumptions is something like "your no claims bonus is less than two years old and is not currently being used on another policy".

 

A very small number of insurers (Co-Op are the only one I know of) will accept it for three years.

 

I'd them to send proof at the time you cancel - that way you know you have it when it's needed.

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Thanks for clarifying everything guys. I'll get it cancelled and get them to send the NCD letter straight out.

 

 

James

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Plus get it SORN and a refund !!!!

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