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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
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    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Car insurance company 'MyPolicy' are overcharging my daughter in admin fees.


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Good morning,

 

My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test.

They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles.

 

a few weeks ago she was involved in an accident which wasn't her fault,

the other driver admitted blame immediately.

The claim has been settled and they have sent the cheque.

 

Now, the problem is the charges they want to slap on her.

Her car was a write off so she is going to buy her brother's car.

They want to charge her £150 for a new black box and £100 to change the details on the policy to the new car.

This sounds totally unreasonable to me and is a loss on her part seeing as the accident wasn't her fault.

Baring in mind the black box only cost £50 to fit when she first took out the policy.

 

She's young and inexperienced and doesn't know what to say on the phone.

Last time I tried, they wouldn't speak to me,

but surely if she gives her permission that should be fine?

I need to fight her corner for her as I can be stronger on the phone.

 

I need some advice as this charging can't be right.

It's a total rip off to me.

 

 

Any advice would be greatly appreciated.

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They can speak to you, if she authorises it first.

 

If the policy terms allow these charges, then i expect they are difficult to argue against. They might fit a blackbox for £50 when the policy is started, as that is part of being a new customer. The Insurers have a deal with a company that does the installation. But as a deterent to avoid people changing cars during the mid term of policies, they add these higher charges. Of course it is not her fault, because a third party had caused an accident.

 

I think you should ask the question as to whether these charges can be claimed back from the at fault third parties insurers. They are a direct consequence of the accident. These are costs incurred to put your daughter back in the same position as she was prior to the accident.

We could do with some help from you.

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Thread moved to the appropriate forum.

 

Regards

 

Andy

 

Welcome to CAG Fletcherhelen8

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

Not if the Insurers allow a change of car on the policy, which in this case it appears they do.

 

The Insurers might have reduced settlement by deducting remaining annual premium left to pay, but they also have choice of allowing policy to remain open for a change of vehicle, if this happens quite quickly.

 

You raise a point, as to whether the person in this case might be better off seeking a new policy. They would have to obtain details to see whether the sums add up.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Hang on, if the car has been written off, that usually brings the policy to an end. (So, would any new policy not attract the same "new policy" discount on the 'black box'?)

At least, that is the insurers' usual position when they point out that you contract for the year's insurance, and deduct the rest of the year's outstanding premium from the draft settlement figure when the car is written off .....

 

That's not the case anymore, all insurers should allow a replacement vehicle to be covered on a policy to replace a written off vehicle providing a) It's a vehicle they would normally cover and b) the customer paying any normal difference in premium

 

OP You need to look at any terms and conditions and especially relating to fees and charges

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