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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
    • If the claim is private individual against business, the case should be heard in your local court. Did you buy the dress under a business name or your own individual name?
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rabhip

No claims validation

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Hi all. I have a bit of an odd problem with insurance company validating my no claims entitlement. Im wondering if anyone might have any ideas on the subject.

 

My car is insured with Churchill, they are going to charge me £155 in 4 days as they have no proof of my 4 years no claims.

I have 4 years no claims but my previous insurer, Hastings, say they have validated them but keep sending me the exact same document which says "you have 4 years no claims but we are unable to validate them with your previous insurer"

My previous insurer before Hastings, swinton, have sent Hastings my proof of no claims document 3 times but hasting said its not a letterhead so they can't use it. Swinton say that's the only form of Letterhead they can send.

Then a Hastings supervisor said she has validated my no claims but still only sends out the document which states they can't validate them through my last insurer.

Churchill say they can't do anything and will put my no claims back down to zero.

 

I don't know what else I can do.

 

Thanks very much I hope that made sense!


scottish **** i am! :D

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Swinton’s are an Insurance Broker, so can they not get you a copy of the actual renewal notice from the underwriter they insured you with, confirming your NCD entitlement when last with them. You can then send the same to the next insurer in the chain...

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I wasnt aware of swinton being a broker, thank you for your input milehighron. The problem doesnt lie with any of the insurers not forwarding the ncd to the next, its that hastings wont accept swintons email as its apparently not the correct type. Il call swinton tomorrow to ask the question on that point. What i dont get is that with hastings saying that they cant validate the previous no claims, they are expecting me to believe that they let my cover run for a year without no claims verification. I cant for one minute believe that to be true, no insurance company would let that slide.


scottish **** i am! :D

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It’s not always easy to double guess how any insurer should act or do, or quite simply perhaps they only check one in two new policyholders NCD entitlement with a previous insurer. BTW, you can always ask their Complaints Team to get involved to hopefully break this logjam... Good luck.

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Got it sorted. Mention of a policy running without proper checks resulted in a supervisor taking over and swiftly issuing appropriate paperwork.


scottish **** i am! :D

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