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    • Yeah that is what I think not going to look a gift horse in the mouth plus got other issues right now with the virus and my job 
    • Thank you dx and you advice is well received.    will remember about the 'quote' thing and it seems you already know a lot about this site.   RT    
    • Don't worry about the warranty. You will be covered under the Consumer Rights Act which requires that goods be of satisfactory quality and remain that way for a reasonable period of time. However, there may be a dispute as to whether the problem was caused by a defect in the glass or some outside force such as some object hitting it. You say that you have found other instances of the same thing happening. I suggest that you start gathering screenshots of those – and it would even be helpful if you could contact the people involved. Also, if you find people talking about this on the Internet then post the links here so we can have a look. If you can get sufficient evidence that this is something that is happening to people's vehicles – the same vehicle as yours not other manufacturers, then you have a good chance that you can persuade a judge that there was a defect. What is the cost of replacing the glass roof?
    • I am unsure if I have already written these points, but this thread is called general points , and unless the OP objects, here are some.   Firstly, there are two separate kinds of warning notice issued when a credit card or credit agreement is defaulted. One is for credit referencing the other is to enable the termination and enforcement of an agreement. These are completely separate entities, which may or may not apply to the same date.   The one sent to the debtor warning about the impending mention on the file, gives 28 days normally although it is an advisory notice and cannot be challenged, it does not have to be given for an entry to be made on the CRA.   The notice sent from the creditor giving notice to take action is however statutory, under section 87 of the Consumer Credit Act, it gives 14 days to pay.   A statute barr is a method of limiting the amount of time for the creditor to take an action in court. In contract law, this period is generally 6 years.   To be clear this is the maximum time allowed between, the cause of action(for simplicity the default). and the date of the action itself in court. Therefor if you PDL has had an action was brought in six years, the statute Barr no longer have any relevance.    If the case was lost it would be a debt under a judgement, not under a default, if it was won, there would be no default to record.   Again for clarity, you cannot use a default date on a credit file to sow a default notice date under the CCA 74, as said different things.   Regarding an overdraft. There is no requirement to comply to part 5 of the CCA on tacit overdrafts. This is because of a declaration made By the governor back in 1983, part 5 contains section 85.   As far as the start date for SB is concerned, section 6(not5)applies in that,  instead of a default notice the date on the first full demand to repayment is recorded and used as the cause of action, that is when the SB starts, again nothing to do wih the date on the CRA file.
    • just type please don't use quote  it makes finding replies so difficult.   they cant simply change the signs/free hours without council permission...and that has not been applied for nor granted.   sit on your hands await if/unless PAPLOC   don't forget the next stages as i'm sure you've read as you say. lots of scary letters from DCA's   remember a DCA is  NOT A BAILIFF on ANY debt ..no matter what it's type. and have  ZERO legal powers on ANY debt either   dx  
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Sky insurance/Markerstudy group Car insurance voided

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Hello everyone.

 

 

Recently (9 Jun) i bought myself car insurance from Sky insurance, who insured me with Markerstudy group.

 

 

On Wednesday(15 Jun) I received letter saying my insurance has been voided

due to "details used to take out this policy match against multiple policies

which have already been cancelled or voided by us due to suspicious activity".

I thought its some sort of mistake since I am a learner driver and it was my first car insurance.

 

Today(17 Jun) after couple phone calls

I managed to obtain information that the policy was voided

because my mother who was named driver on the policy

had previously had her policy cancelled

which i didn't disclosed when adding her as a named driver.

 

This was surprising for me as I took all her details from her current insurance confirmation

which states that she never had any insurance voided or cancelled.

 

after finding and going through all the past insurance paperwork,

I found out that in July 2014, IGO4 had cancelled her insurance because she failed to provide them

with scans of her driving licence, which had to be done through some form on their website.

 

 

My mum claims that she uploaded images twice( after buying the insurance, and after receiving letter about missing documents) through the website they provided,

 

 

apparently it was some system error on their part and they said that this was their error

and this cancellation will be removed from the databases.

But since it was a phone conversation I don't have any proofs of that.

 

my mum has policy for her car, where it states she never had any cancellations,

she is named driver on my dads car, where it also states she has no cancellations,

and I got my insurance cancelled because I didn't disclose information about this cancellation.

 

This voided insurance has bumped up the prices for my insurance from about £500 to £3,500 according to gocompare,

and since it is my very first car insurance,

I need help as I don't even know who i should call now to try to explain this.

 

Thanks

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