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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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Paperwork on long since gone Debt

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Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts.

 

I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred....

 

Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred.

 

I'm keeping the paperwork on all live accounts/stayed accounts as these may be needed at some point, but the rest I'm thinking they should be shredded/burned?


I reside in Dawlish Warren but am not a rabbit.

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Hmm, I know what you mean......I literally have the very last correspondence from the toothless DCA chasing the debt/s at the time, and I'm going back to 2006........

 

IMO unless you want to keep them, just to laugh at, and reflect on how corrupt and illegal their practices were (at that time) then why not keep them? Otherwise, it makes very good hamster bedding..!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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use a scanner!!

put it all on your PC and copy it to a cheap penstick as a back up.

 

sort the paperwork into relevant piles

I usually use the named original creditor and their Account number.

SCAN EVERYTHING TO PDF


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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yes, absolutely. Although it's a nuisance to catch up on your scanning – there is then no risk that you will never regret it. I scan everything that comes in each day and then shred the paper

 

In addition to keeping a copy on my computer, I use Microsoft one drive which ensures that there is a copy on the cloud.

 

You never know, maybe while you are going through it you will find some PPI somewhere. That could be a very nice reward.

 

I use a program called PaperPort by a company called Nuance to help me organise my documents. I've been using it for years and it is an extremely helpful document management system - https://shop.nuance.fr/store/nuanceeu/DisplayProductDetailsPage/ProductID.234555100/Currency


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I wish i hadn't asked :oops: I've never thought about scanning the docs, ever! I so wish I had but there must be and kid you not, 8000 pieces of paper...

 

They're in good chronological order, I 'think' I'll continue to store them as they are boxed/lofted and anything else that may come in i'll scan..

 

I do have oodles of data storage available to me and from looking the other day I think amazon offer me some for being a Prime member.

 

One thing is clear after reading, I don't think I'll be shredding/burning any of it. PPI's wont come out of the woodwork though, I never signed

up for them at any point right from when I was a wisp of a girl.


I reside in Dawlish Warren but am not a rabbit.

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don't be so sure on the PPI

I had a neighbour that never signed up for any

 

then he send a few sar's and found £15k!! by reading his statements with lloyds


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Funny you should mention Lloyds, many years ago and in the late 90's I had an current account with Lloyds, I met someone, we got along, I moved to be closer to them

 

When I did I maxed my account and then had a loan and it went on from there, the amount owed was quite high, then things went wrong and I was forever at the hands of the faceless Lloyds collection department...they were merciless,

 

in the end I wrote to some head honcho in London, he was a human and we eventually managed to agree a settlement figure on all my accounts, (part of it was bad lending by a lloyds bank manager that overstepped his remit and I was naive enough to accept what he was offering.

 

I did have payment protection on that account, it was and still is the only account I knowingly had protection on and only then because it was my first account after leaving school...it grew with me....

 

I'm pretty certain part of my failing on the account(s) was that amount charged on protection, it was quite high, it didn't cover anything because I still maintained a job and at the end of it all I signed and agreement as did lloyds that the settlement figure was full and final...it was approx 5% of the original amount (which in itself was eye watering, even by todays standards....revisiting the PPI on that would not be something I'd want to do, it's almost 20 years since that was put to bed.


I reside in Dawlish Warren but am not a rabbit.

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PPI's wont come out of the woodwork though, I never signed

.

no need to have 'signed' for it, in alot of cases it was just added

never know, always double check.


IMO

:-):rant:

 

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