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    • Am looking for some advice, and i know you guys are always helpful   My parents moved into a rented accomodation back in the early 80's and have a standard tenancy agreement covered under the 1977 rent act.   As a sitting tenant, the landlord did virtually no work to the property, with my parents maintaing when needed. We lost my dad a few years back, and my mum is struggling to maintain. We have had major issues with electrics and drainage which we approached the landlord for with no replies for last 18 months. We did all we could to work with them.   I have done as much as i can do, but am aware it is quite unsafe and we managed to get the local council to help. They assessed the property remotely, and sent a list of repairs that the landlord needed to perform within 6 weeks. After tradesman have reviewed the repairs Include: Removal of an unsafe conservatory Rewire of entire property - including new mains Repairing a partially collapsed sewer. Repair/replace damaged single glazed windows. Making fire safe   The landlords have been in contact and started some works, however - am very aware with mum being on her own, with COPD we need to keep her sheilded.   Are the landlords obliged to put her in alternative accomodation while the works are carried out? What precautions can i make to ensure the tradesman are compliant with COVID-19 regualtions (We have not allowed any internal works to begin as yet)? Is there an alternative way out of this? Can i approach the landlords asking to move her into a more suitable property considering the works needed (4-5 weeks probable). Should i seek advice of a property solicitor at this point? Can they immediately raise the rent to market rate? (I think they/we need to appoint a rent officer) as its quite low at present. Is there anything we need to be careful of not to break the tenancy rules?     My parents have been benefiting from the low rent, but have installed central heating, new boilers etc, lots of repairs to drive ways and maintenace. The place is on a fairly large space and they have always maintained the gardens. Personally, i would prefer to move mum into more suitable accomodation - but she loves this place and i know will struggle to leave.   Any tips on how to handle any of the above!   Thanks!              
    • Hi all,   I have had an ongoing case open with TMO since Feb 2018 against EMC. Decision was made in my favour in Feb 2019, but I am yet to receive any of the refund.    I have just followed this up for the 1,000,000th + time with TMO and am now finding out that they are struggling to get the company to comply (not surprised!).   Has anyone had any luck either receiving refund or getting in contact with the owner?   TMO have removed them from their list of accredited dealers and reported them to Trading Standards and looking into what extent they are still trading, but I'm hoping to get names/contacts for anyone affiliated.   I gather the owner of the parent company - Crown Motor Direct is Nadjeem Kahloufi - has anyone managed to contact him successfully?   I also gather they are still trading as Chobham Central Garage - has anyone had contact with them recently?   Citizens Advice recommended I go through small claims now, which I'm reluctant to do as decision already made in my favour. Issue seems to be more in holding someone accountable.   Any help/advice/details even if seem minor are greatly appreciated!   If anyone wants to get in touch to discuss compiling details/evidence, etc feel free to email me at iwantmymoneyback20@gmail.com 
    • Should i reply them that i intend to proceed with the case   Since they were given 28days to respond how do i know if they have responded to the court..does it show on the MCOL websit
    • Please will you ask this question on a new thread. That way you will get better responses and people won't be confused. By all means refer to this ongoing thread by means of a link – but please don't add a new story tagged on to an existing thread. Start a new thread and we'll come and talk to you there. Thanks.
    • so you didn't get reading up as post 67 advised 3mts ago?   the claim, should they run in all the way...gets transferred to your local court..   please complete this:     dx
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XS Direct /Excess worth more than my car

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HELLO PLEASE HELP,

 

I have a car insurance with XS direct, during summer mid-July I was involved in an accident. the other party claim against my insurance the cost to repair their car over £5000. it was a really minor incident. I don't understand the huge cost. Unfortunately, at the time I have taken my insurance I didn't really understand what excess was and meant. so I sign up for a car insurance with £3000 excess because the premium was cheap. BIG MISTAKE.

 

NOW, my insurance is claiming that I pay them the £3000 excess to compensate for the repair. I drive a BMW X3 54' Plate currently worth over £1300. I dont understand why I should pay them that much money. Please help. I use my car on the daily basis as well AND THEIR THREATING TO CANCEL MY PREMIUM. PLEASE HELP

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Theyre asking that much because thats how much you said you were willing to pay on your excess. With the total amount being 5 grand. if you had said 250, then youd pay 250, but you said 3k.

 

Can i also ask, what damage did they say has been caused, what car were they driving, and how has it come to over 5k, when you state it was a minor incident? COuld it be that the incident was a lot more damaging than you think?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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urm something smells £5k..who's being mugged here

tell us about the accident.

 

what happened?


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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Going by a quick google, they seem to have a history of doing this.

 

Excess is usually only if theres damage to your vehicle. However this company applies it to ALL claims.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Get a complaint registered with the Broker who sold you the policy and XS Direct. By doing this, it should stop the policy being cancelled and delay you having to pay this excess.

 

See this thread. Suggest you read it.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?477150-3k-Total-Excess-Worried-regarding-Debt-Collectors

 

You need to ask for a copy of the phone call where the £3000 excess was explained to you.

 

In the thread linked to the Brokers were found by the FOS to have handled the Insurance arrangement correctly, because they told the customer about the all sections £3k excess applying.

 

However, the FOS are still looking into a separate complaint about the excess policy wording about whether the terms are fair or not. There is no explanation of how the excess might be repaid to xs direct, just pay the excess or the policy will be cancelled. It is possible the FOS might uphold this complaint, because the policy wording is pretty unfair.


We could do with some help from you.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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though I recognised the story uncle.....


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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http://www.xsdirect.co.uk/faq.php.html

 

Is there a minimum car value XS Direct will insure?

Yes, the minimum car value that we insure is £3,000.

 

 

my insurance I didn't really understand what excess was and meant. so I sign up for a car insurance with £3000 excess because the premium was cheap. BIG MISTAKE.

 

NOW, my insurance is claiming that I pay them the £3000 excess to compensate for the repair. I drive a BMW X3 54' Plate currently worth over £1300.

 

Against you is that they will have sent you policy documents and likely advised you to read them to ensure the policy was suitable, and you will have had a “cooling off period” in which to do so.

 

Yet if your car wasn’t worth £3k, you have a strong case to argue the policy was wrongly sold from the outset.

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A 54 plate BMW X3 is probably worth over £3k ?


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

 

If you want advice on your thread please PM me a link to your thread

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