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    • At 12% I would pay it off, you will save a lot in interest and you will have the extra every week, which would have gone to your loan.   We had a similar decision to make last year, but chose the opposite course. Our mortgage was jut under 2% though and a three year Nationwide bond would give me 3.5%, so we put our money in there, for now.   Yes you can always do a early settlement, and they will refund your unpaid interest from the final bill. Ring them and ask for a settlement figure.
    • Oh dear Business secretary tested for Covid-19 after feeling ill during Commons speech   "During one vote, the minister voted straight after the culture secretary, Oliver Dowden, and immediately before the Labour MP Stephen Kinnock. He was also one of a few ministers who attended full cabinet, a source said. In another vote on the substantive motion, Sharma queued to vote immediately after Saqib Bhatti, the Conservative MP for Meriden, and just before Paul Scully, the Tory MP for Sutton and Cheam. "     'Most of his speeches make us feel ill was reportedly heard, as was, don't worry you can always claim universal credit and have your life transformed , although p[perhaps not for the better.       As the Mp's experience the Mogg supermarket Conga, some queueing for the very first time since waiting to enter their initiation chamber and the awaiting pigs head.   'Completely unacceptable that we should queue. I feel like a pleb at Morrisons must' was rumoured to be heard from some.     https://www.telegraph.co.uk/politics/2020/06/02/mogg-conga-mps-just-tried-mad-new-voting-system-total-chaos/  
    • Hi, we've received your message pointing out that this thread has received no replies and also asking us to delete it. First of all have to say that I'm very sorry that nobody has come back and commented on your letter – which looks very thorough and obviously because it appears that you've now had a result (according to your message) it has been very effective. Once again, I'm very embarrassed that you had no response to this thread. It's extremely interesting and I don't know why it has passed us by – except that everything is very difficult at the moment for everyone due to the crisis, and a rise in the number of problems been posted in other parts of the forum. You shouldn't have to do it of course, but I suppose that if we had received a contact message earlier pointing out that this thread needed attention, then we would have dealt with it. Once again, you shouldn't need to do that and I'm sorry. I'm afraid that we don't delete material. Everything contributes to the knowledge base and your circumstances seem to be so interesting they are especially useful to other people who might find themselves in the same position – and that's what makes our collection of stories here so useful. Finally, I have to congratulate you on the result. It would be very helpful if you would come and tell everybody exactly what has been agreed – and you think that it is a really fair result given the amount of time and trouble and embarrassment you have been put to. If we understand what has now been promised to you, we might be able to suggest some further move by you to claim some kind of compensation – but maybe you have managed that already. Once again, well done on having achieved a resolution of this problem. It's very good that you managed to get Vodafone to listen – most often they don't and that is one of the problems about this company. Please do let us know what happened
    • What makes you think they wont simply rewrite history, claim they did everything right, and blame labour despite the Tory majority? Mind you, that majority is undoubtedly Carbuncle labours fault     Its happening constantly, why would you think it will be different? eg: https://www.theguardian.com/world/2020/jun/03/britain-could-change-immigration-rules-for-hong-kong-citizens   Johnson spins a headline lie and swears its true despite his ministers going ... errr and the reality clearly going to be something different that Johnsons trumpesque headline  
    • The announcement comes as big companies respond to the mass protests over the death of George Floyd. View the full article
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wilko1

Question re write off and FOS

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If your car is written off after a non fault accident, and you can't agree the valuation with your insurance firm. And you then go to the Financial Ombudsman Service for them to make a ruling, does your insurance firm have to pay any kind of a fee? I ask because I understand that if you make a complaint against a bank or other lender then they have to pay a fee.Thanks

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yes I believe any case referred to the FOS cost the firm upwards of £450 now

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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many thanks

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Are you aware it can take a very long time to be settled by the Ombudsman?

 

Have you made the claim for your car from your own Insurer eg you're paying an excess or have you gone direct to the third party or used an accident management company?

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It's my daughters car, she was in it when it was rear ended. I know the ombudsman takes a long time, the ombudsman is not a route we would like to take. I was just asking so now that we know that the insurance firm has to pay a fee it is something that can be dropped into the negotiations if they offer a very low write off amount. The accident was reported to her insurance in the first instance, but she is using her own solicitors for a personal injury claim.

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What makes you think the Insurer have not valued the car correctly?

 

Are you comparing their valuation against adverts from Autotrader?

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The insurer hasn't made an offer yet I was just thinking ahead. The FOS website mentions that they use retail book values from Parkers, Glass's and CAP, I've obtained values from the 1st 2 but Cap are trade only, so I know roughly what the FOS would value the car at.

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