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    • Looking for a bit of advice on an possible malicious or fraudulent claim.   I received a letter today from my insurance company regarding an alleged incident three months ago and stating I had five days to respond or my no claims bonus could be affected if they settled the claim. It gave a date and postal code for the incident. I rung the insurance company and said I had not been involved in an incident on the day in question and was not even in the area. I am absolutely clear on this although the area is only about 15 miles from my home, it was Easter Monday and I know exactly where I was that day. I asked about the incident and was told that my vehicle had reversed into another car outside a shop. There are no shops in the area, it is purely rural farmland (so no CCTV obviously).   The insurance company said they would note my response and send to the claimants insurance company but would need to send an assessor out to take photos of my vehicle for any damage. My vehicle has no damage to the rear but does have a dent to the door from a collision with a deer that I have never done anything about.   My questions are ;   How did the claimant obtain my insurance details ? Does my insurer have to provide me with details of who the claimant is ? Could the dented door cause a problem because I didn't report it ? It is very obvious it is not damage from reversing into someone else. If I had been away on holiday and hadn't responded, would this claim just have been paid without me knowing about it resulting in loss of NCB ?  
    • It doesn’t say FINE anywhere on the documentation.    I don’t have the facility to scan the document, is there something in particular that you need to see? I can explain what is on there.    Thsnks 
    • CASE DISMISSED!!!   Thank you so much for all your help guys! Couldn't have done it without you!!! - donation on it's way (just waiting for some money to come in next week!)   That was pretty nerve wracking, I must say, but once I got into the flow of things, everything went well. Didn't help my nerves that the PRA rep was 30mins late!! Was hard to gauge the judge initially, but once I realised that she was well versed in the legislation and seemed to hold it in high esteem, I felt confident and the nerves dissipated a bit (lucked out there from what I hear from other horror stories!). She pretty much agreed with everything that I had said, and even highlighted things that I had thought about mentioning but didn't in the end, although she wasn't interested in my use of PRA v Mr Segal as it wasn't directly relevant; I knew this, but that wasn't why I was using it! I tried just once to explain my reasoning, but realised that the judge was ultimately for my case and so yielded quickly on that, rather than get her back up!   The best part was when the rep knew that case wasn't going his way, he then reverted to desperate tactics and referred to the fact that I was a day late sending the stuff to PRA and that I hadn't signed their copy; judge was not impressed with this argument at all, simply saying "Well the copy I have here was filed on time and signed". Not that that would have made a difference as by that point I had already explained my case, and she had agreed. She also had a go at them for trying to file the "response statement" without permission and disregarded it (as you thought Andy).   I felt sorry for the rep, decent bloke, very polite, asked if I had any questions for him afterwards, and kept highlighting the fact that he didn't work for PRA; think he knew it was a poor case and that he would have a hard job trying to fight it.   Something he said did concern me a lot though, and that was that he "couldn't guarantee that they wouldn't try again, either by appeal or by another claim".......not sure what this means and where it leaves me!! I questioned him about there being another claim as I don't feel that an appeal would be approved (although it could I guess!) and he seemed to think that they could come after me in a claim for arrears/interest? This threw me and ruined the feeling of joy that I momentarily had! I phoned National DebtLine to get some clarity on this and they seemed to think the same thing! Then I found this online:   "However, according to Late Payment Legislation law (see ext. link 10), a creditor is allowed to charge his debtor an interest fee, if the consumer has late payments and bad debts. I.e. a debt buyer can request an additional interest payment from his debtors as a creditor, and not as a DCA. The same late payment legislation allows such interest collection to begin after a 30-days default period." https://ecollect.co.uk/wiki/debt-collection-uk/   Found similar information on other sites and even on other threads on CAG. I know you said they couldn't add anything Andy, so now I'm confused.com!!! How can they claim for arrears or interest if the debt that said arrears/interest is based on is now deemed unenforceable by a court ruling???!!! That just seems ridiculous and means that this thing will never end!!!!!    
    • Thanks Honeybee   For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement - 5/7/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 11/7/19   3 Date received 16/7/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Y   5 Is there any photographic evidence of the event? Y   6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up   7 Who is the parking company? Northern Parking Services   8. Where exactly [carpark name and town] 1 Kings Manor Newcastle NE1 2ST   For either option, does it say which appeals body they operate under. BPA   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE     I do not think there is ANPR at this location but there are photos of the vehicle in a parking space The PCN has a "vehicle observed from"  date..... and time......  "to date..... time.....  
    • Hi,sorry for delay in respnse, just started a new job.   LBA here   Sports Direct 1st June 2019   Dear Sir/Madam, On 26th January 2019 I bought a pair of Phantom VSN in size 11 from Sports Direct Chingford. Please see my details of purchase below. ..... screen grab from bank statement of card payment .... On the 27th June 2019 I was surprised to see that the sole of the right boot had torn open at one of the rear studs, making the boots unusable. Please see picture below. ..... picture of torn sole of boot .... The Consumer Rights Act makes it an implied term of the contract that goods be as described, fit for purpose and of satisfactory quality.  I do not feel that an £85 pair of boots should fail after five months of being used for nothing other than their intended purpose. As you are in breach of contract I am rejecting the boots and request that you refund the sum paid to you of approximately £85 which I trust you will be able confirm from your records. I have bought a replacement pair of the same boots from your website on the 28th June 2019 as my son needed boots almost immediately, for that reason please give me a full refund of the original purchase price. I am today returning the faulty boots along with this letter to the Chingford branch of your store. If I do not receive your satisfactory proposals for settlement of my claim within 7 days of the date of this letter, I intend to issue a claim against you in the county court without further reference to you. Yours faithfully,   They replied by email to say this ............. Thank you for send your football boots for a further inspection.   I would like to advise you that on inspection it is our belief that the issue is due to wear and tear and not an inherent manufacturing fault. I appears that the stud had been caught on something which has caused it to rip apart from the sole.   Sadly, I am afraid for this reason we are on this occasion unable to offer a replacement or refund for your boots.   I have now returned your boots to you.   Apologies for any disappointment caused. Kind regards, ................ The boots arrived back to me today   I assume I now make a small claims claim?   Thanks Micky  
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Emmel

Gap Insurance

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Hi, can anyone help at all.

 

I received this letter from peter vardy recently. I purchased my car 12 month ago, and paid £399 for Gap insurance for 4 years. The letter is as follows

 

"We hope you are enjoying your new car and would recommend us to your friends and family. As part of our commitment to forging a long-term relationship with all our clients we hope you will allow us to continue to look after your car long into the future.

 

Whilst writing we have taken the liberty of attaching your status disclosure document relating to the insurance product you have purchased from us. We can confirm that you have a purchased GAP insurance policy which started on xx/11/2017.

 

Our records show these details may have been omitted when you ordered your vehicle. You are not required to take any further action as a result of this letter, however receipt of this letter will start your statutory cancellation period detailed in your policy summary. Full information on the policy can be found in your terms and conditions, which you have already received.

 

Please accept our apologies for this oversight. If you have any questions, please do not hesitate to contact me.

 

Head of Compliance."

 

Now to me this reads like the statutory cancellation periods starts from when I have received this letter, in November 2018. I phoned the number on the letter, and the call handler says no, that the notice period starts from when I took out the policy?

 

any help appreciated.

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I don't really understand what the story is about. Maybe you could clarify – or maybe somebody else will come along who understands.

 

What I gather is that you have received some notice that your insurance policy is being cancelled because some relevant details haven't been given to the insurer. Is this correct?

 

I understand that you have been on the telephone to them. You are new here so you probably didn't know that you should be recording your calls. Read our customer services guide before you do anything else.


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Its with regards to your statutory cancellation period for the GAP Insurance.... If you entered into the contract over the phone, online or on your doorstep, you have 14 calendar days to cancel the contract under the Consumer Contracts Regulations.

 

The cooling-off period starts the day after you agree to go ahead with the service.

 

If you want to cancel a credit agreement, the Consumer Credit Act gives you a 14-day cooling-off period to cancel the agreement.

As its been and passed now its irrelevant but it has given you a fresh start date (the date of the letter should you wish to cancel the insurance)...the dealer simply failed to serve notice in 2017 and is covering its backside.

 

 

Andy


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GAP insurance is useless

go cancel it now.


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GAP insurance is useless

go cancel it now.

 

You say that quite often

 

Try saying that to someone who's car is written off 2 years into their finance agreement and after The insurance company has paid out direct to the finance company, They now have no car and still owe thousands

 

It happened to me years ago, I actually had Gap insurance and didn't know, My car was hit from behind and written off, I got a letter saying i still owed £700 after the insurance had paid out, And included was a form to sign for the gap to cover it

 

That's when i found out gap insurance was a good thing

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GAP Insurance correctly taken out can be useful. Worth shopping around and not taking out cover through garage selling the car, as that is usually much more expensive.


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You say that quite often

 

Try saying that to someone who's car is written off 2 years into their finance agreement and after The insurance company has paid out direct to the finance company, They now have no car and still owe thousands

 

It happened to me years ago, I actually had Gap insurance and didn't know, My car was hit from behind and written off, I got a letter saying i still owed £700 after the insurance had paid out, And included was a form to sign for the gap to cover it

 

That's when i found out gap insurance was a good thing

 

I agree.

 

It is dangerous for anyone on this site to give sweeping statements such as 'GAP insurance is useless', and I doubt he/she or this site itself would take responsibility for someone acting upon that advice only to suffer a claimable event the following week that ends up costing them £1,000's.

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9/10 the only people to benefit are the dealership whom sold it via a commission backhander and the ins co themselves and the interest the finance co make out of it by loaning the money to pay for it.

 

yes colin there are rare examples of it saving peoples bacon admittedly, but GAP ins was invented by the insurance and finance industry anyway, biggest exploiter were people like welcome finance, yes car etc etc I don't think they ever paid out once and it typically cost the punter £2-3k on their loan, probably more than any shortfall like you had.

 

if I remember correctly postggj actually found out that both of the aboves' GAP ins was actually totally fake.

and like MIF on mortgages - the policy actually never existed with them nor their insurers


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.

 

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Reclaim mis-sold PPI Read Here

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9/10 the only people to benefit are the dealership whom sold it via a commission backhander and the ins co themselves and the interest the finance co make out of it by loaning the money to pay for it.

 

yes colin there are rare examples of it saving peoples bacon admittedly, but GAP ins was invented by the insurance and finance industry anyway, biggest exploiter were people like welcome finance, yes car etc etc I don't think they ever paid out once and it typically cost the punter £2-3k on their loan, probably more than any shortfall like you had.

 

if I remember correctly postggj actually found out that both of the aboves' GAP ins was actually totally fake.

and like MIF on mortgages - the policy actually never existed with them nor their insurers

 

Sorry but from your description you seem to be pigeon holing GAP into yours/others experiences of it associated with historic failed sub prime finance providers, which risks having a very narrow minded and - if I may say so - evidently cynical viewpoint.

 

GAP is actually widely associated with the purchase of new or nearly new cars - the 'return to invoice' variety in particular has nothing to do with finance agreements and can prove to be a financial lifesaver. I bought a brand new Mitsubishi ASX two years ago, paid cash for it, and bought a 5 year GAP policy for the equivalent of less than £80 per year. If the car is written off during that time then the policy tops up my insurance payout to provide a brand new replacement vehicle. Bearing in mind that after 4 years the car will have depreciated by at least £10k that is not some mickey mouse Welcome policy but done through a proper insurer and providing a real potential benefit.

 

I get the fact that for whatever reason you don't like GAP, or maybe the firms you seem to associate with it, but I think that the advice provided has had weight added by your 'site team' status yet it could be potentially very damaging to some. Sorry I'm not meaning to offend by the way.

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9/10 the only people to benefit are the dealership whom sold it via a commission backhander and the ins co themselves and the interest the finance co make out of it by loaning the money to pay for it.

 

yes colin there are rare examples of it saving peoples bacon admittedly, but GAP ins was invented by the insurance and finance industry anyway, biggest exploiter were people like welcome finance, yes car etc etc I don't think they ever paid out once and it typically cost the punter £2-3k on their loan, probably more than any shortfall like you had.

 

I get that, But i have buildings and contents insurance for my home, I have never claimed on it and i'm happy that i have not had to

 

So insurance companies have made money from me and have never had to pay anything out

 

So should i deem it as pointless and cancel it ?

 

Gap insurance is just the same, I am covering myself for a possible future large pay out if something goes wrong, I see idiots on the road every day, There is a good chance that one day one of them is going to drive into my car

Edited by colin11
spelling

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I agree, Colin. The whole point of most insurance is to pay out to the few who suffer a loss.

 

HB

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Illegitimi non carborundum

 

 

 

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Its down to personal choice and affordability...if you can afford it ...have it...and peace of mind.You could say that most things are a waste of time...unless you need to claim on it...house contents /building insurance etc etc.


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you need to look at the value of the vehicle now and what you still owe the finance co. If there is no appreciable gap in values cancel the insurance. If you owe a damned sight more than the car is worth then keep it.

The tricky bit is estimating what an insurer will pay for a write off and that is the only thing you are interested in.

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you need to look at the value of the vehicle now and what you still owe the finance co. If there is no appreciable gap in values cancel the insurance. If you owe a damned sight more than the car is worth then keep it.

The tricky bit is estimating what an insurer will pay for a write off and that is the only thing you are interested in.

 

Depends on the type of GAP insurance, and what it is protecting you from. The OP may want to be protected if their car gets written off and there is finance outstanding (when the balance of payout vs. finance outstanding is key), or there may be other factors (such as 'return to invoice' GAP

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GAP insurance is useless

go cancel it now.

 

Unbelievably bad advice. Even if you don't trust the selling Dealer there are several specialist companies which offer GAP

Hopefully you won't need it, only the shortsighted would call that a waste of money.

If you do need it, it could save you thousands.

 

Wow

 

H


40 years at the pointy end of the motor trade. :eek:

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