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    • Hello there,  I would be most grateful for any help or views on a distressing incident that occurred last summer, I can supply more info.  I am a 70 years old retired man and quite severely disabled I use a Mobilty Scooter and walking aids.  I had recently been admitted to hospital with an ongoing heart condition.     I was quite a frequent customer of my local Pub/Restaurant and I had previously submitted several verbal complaints regarding short measures of drinks.  The both managers took exception to this and told me that I was "Never happy until I found something to moan about"  The atmosphere in the Pub generally declined towards myself and I was certainly made to feel unwelcome.  Matters came to a head when I witnessed a dog, inside the Pub, attack a child (A Toddler) who had accidentally trodden on the Dog`s tail.  Fortunately the parents of the child and the owners of the dog reacted quickly and no injury occurred .  The pub was very busy at this time and the incident went somewhat unnoticed.  I brought the incident to the attention of one of the managers and he actually laughed, it was monstrous.  When the pub became quieter I remonstrated with the said manager and I stated that IMO it was dangerous to have dogs and children in such close proximity whist food is being served.  He became extremely unpleasant and told me in no uncertain terms that if I did not like it then to "Stop coming back"   Two days later whilst I was out in the next village with friends my wife rang to inform me that the Owner of the pub had called around to our home and told me wife that I was barred from the pub and to never venture there again; my wife was distressed, she never frequented the pub and the owner and my wife are not well known to each other.  It is my opinion that he had no right whatsoever, to include my wife in this matter and to do so within her own home whilst I was not present.      I returned home then went to the pub to enquire why the owner had visited my home, and upset my wife.  Whilst I was on the pub car park I was met by both the owner and the manager who both informed that I was barred as I had upset staff members.  No suitable explanation was forthcoming from the owner for the reason of his unwanted and unwelcome visit plus his aggressive manner whilst he talked down to my wife.  They both informed me that they would forcefully remove me if I did not leave the car park.   Due to the immense stress I was enduring I felt an urgent need to use the toilet, when i requested to do so I was denied.  I could not believe it, I was in such a hopeless state and was utterly distraught.  Finally I struggled out of the car park but entered the front of the pub and headed for the toilet however they caught up with me and I sat down on a stool and refused to move until i was granted access to the toilet, however they were both adamant that it would not be allowed.  I reminded them that i was disabled but the owner stated that I was `Milking It` and to "Go behind a hedge".  At least half an hour passed, since I had entered the pub, and the owner stated that he would call the Police, I had gathered my thoughts a little by this time and I stated to them that I would call the Police myself and then see if I would be allowed to use the toilets.  I feel the owner began to realise that he might be in trouble as when I began to make the phone call he stated that I could use the toilet however he would accompany me; i had no option but to concur with his somewhat sick condition.  I was forced to defecate whilst he stood immediately outside the door.  My humiliation and embarrassment was complete.    Two days later I wrote to the owner and informed that I was intending to sue him for disability discrimination related offences.  He chose to disregard what I had stated and replied stating that he had no intention of lifting the ban.  I replied stating that I had no desire to ever enter one of his pubs ever again and that he should re-read my letter and respond to the charges.  He did not reply.   I issued proceedings against him in the Small Claim Court for less than £400  (Some of my clothes and a she were damaged due to soiling).  He, rather surprisingly, instructed a solicitor who has threatened me with costs being awarded against me by the court which could run into many many thousands of pounds and that there was clearly no case for her client to answer.  I must admit to being rather alarmed.  The owner is a wealthy man.     The court have advised mediation and have even offered to award one hour of such FOC; I agreed, the defendant refused.  We now have a date for a hearing and I do not know exactly what to expect.  His court response states that he will be bringing two witnesses with him yet there was only he, the owner and the manager who were present.    Much of this was audio recorded and the owner is not disputing much of my statement.  I never threatened violence or used bad language during this most unpleasant incident.      Any help and opinions would be greatly appreciated.   Kind regards.  --  tibar
    • My friend has told them this and got no response as yet nor any refund,  she  is giving them till about 2pm  to refund it or   will be  reporting it as fraud and  seeing the Police etc, have told her please  do not ever  do it again or drag me into it, I will do my best keep you updated   Sandy xx
    • Make sure you keep that email and print it out for safe keeping, just in case the PPC don't quite get the message.
    • Okay i've just sent the letters recorded delivery and have registered with the claims court. Just reading about PAP.
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Hi All,

 

I am hoping someone can share experience or offer some advise.

 

I set up an IT contractor insurance with Kingsbridge back in June when I was about to start my first contract role.

The policy covered me for Professional Indemity insurance and I was quoted £45.00 a month.

 

I agreed to the Insurance plan, two months later I got a better deal through my Accountancy firm I was dealing with.

I cancelled the direct debit and notified Kingsbridge.

 

I have now received a letter from Close Brothers Premium Insurance stating I owe them £384.00 for the full insurance policy and it is required upfront.

If not, they have threatened to send the debt to a third party collection agency.

 

My insurance cover is now cancelled, so unsure what services the payment is meant to be covering!

I have e-mailed them last week on the customer services account, but I have heard no response, it feels like they are just ignoring.

 

Do I have any rights in this matter?

What would be the best course of action, bow down and agree a payment plan or dispute the debt.

 

Thanks & regards,

 

David

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because you chose 12 monthly payments

the finance would have been set up through Close Brothers Premium Insurance

under a credit agreement.

 

looks like the ins co. failed to tell them the deal was cancelled.

 

a DCA is not a bailiff

and has

NOT SUCH LEGAL POWERS.

 

you can either ignore them or complain to your ins co.


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

 

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Thanks Dx100uk.

 

I would love to ignore them, but trying to get my credit history improved, so fear this will be antoher bad marker and will reduce my points scoring.

 

Maybe an option is to offer than a settlement figure perhaps.

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eh?

 

it shouldn't be showing.

 

you don't owe anything you cancelled


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

 

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If you stopped the DD then you have defaulted on the finance payment arrangement ...so they will default you.

 

As DX states they pay the insurer the monthly premium......so you still owe CB any monthly drawing/s not paid

 

Looking at their T&Cs they require 2 months notice to end the finance agreement.

 

 

Andy


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Thanks Both.

 

So if I was to re-enter the payment plan with CB would I covered for Insurance again?

 

Looks like Kingsbridge have a win win situation, they have been paid in full and no longer have any insurer liabilities.

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no you don't

and no you wont be insured..

 

close personal finance

just like their parent company close brothers

are a .......

 

they have always pulled every trick in the book to line their pockets.

with ill gotten sums.

 

you cancelled the insurance with knightsbridge

they should have returned any money they held back to close PF.

 

yes they will try and trash your credit file

you must be firm with them

send them proof you cancelled

let them fight it out with knightsbridge

 

close financed your monthly payment tehey sent to knightsbridge

they didn't give them it all upfront


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

 

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Thanks DX100UK,

 

Close Brothers are just refusing to reply to my initial e-mail. I have today e-mailed Kingsbridge to ask them what the status is from their side and why I am getting hounded by Premium Finance.

 

Do I need to send any kind of correspondence to Close Brothers, wary they will pass to a DCA who may issue proceedings against myself.

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stop emailing WRITE and get free proof of posting from the PO counter.

 

lets be clear here as you seem rather green

a DCA is NOT A BAILIFF

they have NO LEGAL POWERS WHATSOVER.

 

only the 'owner' of the supposed debt' can take you to court

read the correspondence CAREFULLY.

 

doesn't say WILL anywhere


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

 

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Thanks. If the DCA buy the debt from Premium Finance, would they not be legal owners of the debt in their own right?

 

I will send them a letter via the PO with proof of sending. Is there any recommended template to send?

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no template no.

 

close wont sell it on.


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

 

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Hi All,

 

I have had a recent devleopment on the debt with Close Brothers.

 

A letter was received yesterday from a companyt called 'CARS' who are demanding the full and final payment of £327.00 to cover the Professional indemity insurance. I cancelled the insurance months ago and I am no longer insured.

 

It feels like they the next step will be for them to issue proceedings against myself, does anyone have any advice on the best tactics to respond with?

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No read it properly..

Doesn't say will anything

And cars are a totally powerless DCA

 

A DCA are not bailiffs

Ignorr


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

 

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