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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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Fletcherhelen8

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.


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Thread moved to the appropriate forum.

 

Regards

 

Andy

 

Welcome to CAG Fletcherhelen8


We could do with some help from you.

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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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