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    • As the others say, you need to reply to a Letter Before Claim as it's a formal notice of intention to start legal proceedings.  You need to show them you've sussed their claim is pants and they would have a real battle on in court.   You can either ridicule their claim as it is ...   ... or else name the driver.    If he was in the UK they would then leave you in peace and hassle the BiL.   However, as he's in Italy there is very little they can do to him (I know, I live in Italy too!) so, as dx hints, they are likely to try to invent some stupid reason to continue hassling you.  It'll be "too late" to name the driver.  Or they "are unable" to accept an address in Italy as they can't work out how to use the Royal Mail site and buy the correct postage stamp.  Or some such rubbish.   You need to decide about the BiL.    
    • creditfix did him a favour!   there is nothing to complain about other than they encouraged him to blindly pay loads of debts , running the Statute barred date to infinity on debts that he most probably doesn't even NEED to pay and never did.   get him to ask himself this questions SD.   if he REALLY did owe the money WHY did the original creditors sell the debt on for peanuts to debt collectors (typically <10p=£1) and not take him to court and CRUSH HIM.   he has been cash cowed blind by the system for i bet 15+yrs any debt that is with a DCA tell him to STOP PAYING.   go back to his wife and tell her he made a mega mistake by going to sort his debts out as they were not owed in the 1st place.    
    • Need some help and advise on a pending court case between me and my commercial landlord.   For over 2 years I have complained of leaking roof and water damaged electrics resulting in no internal and external lights...efforts to plug the leaks have not worked, no fix on the lights also.  After pressure is put on the landlord to rectify faults he instead looks for breaches of the lease against me resulting in issuing me a section 146 notice.   My question is was he in breach of his own lease making the lease void?  or am I still accountable for accused breaches?  I am now faced with a huge bill from his solicitor for issuing the notice that they want to enforce even though I disagree with the breaches!   Is this allowed??
    • he owes at least  80/100k     Dont think he is paying anyone, he wants to do something about Creditfix though, they   seem be laughing and sweeping it under the carpet,  promised him the earth, he thought his life would get back on track.   Is there anyoone who he can take the matter  to? already  done an official complaint,    got reply  from that,  load of rubbish reply, .   He is in a mess, recently gone back to work after being furloughed since March,  that did not help re the split,  then the failure of the IVA really did it   FK, he works full time and has no clue about computers, I hardly see him tbh,    he was trying get his life back on track with the promise of the IVA, it is being left to me to relay things to him, he drives for a living as he is a delivery driver so can not use phone obviously    I think he wants to destroy creditfix like they have him tbh
    • You won't get a reply.  They will either take you to court or silently slide back under their stone - hopefully the latter!    Even if you hear no more keep all the paperwork, they have up to six years to bring a claim.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
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      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Claim or No Claim?

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I have been involved in very minor car incident where I slightly touched the bumper of the car before me. This was on traffic lights and no damage was done at all (not even a scratch). But the other driver registered this incident with his insurance company and there is a claim case created with my insurance company as a result. The other driver didn’t actually claim any damage and my insurer now gave me back No Claim Bonus as well (after about 11 months from the incident). However their renewal quote is much more expensive now (even with No Claim Bonus intact). I’m assuming this is because of the claim even if there was no damage.


I’m shopping around and assuming I still need to mention this claim when asking for a quote? Can you please advise whether that’s’ the case? If so would this claim be considered as settled or not settled?

Thank you

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Yes, I'm afraid you should mention it. If it suddenly became known by the insurer if you eventually had to make a claim, the insurer might try to use it as an excuse for declining liability


Of course, what is funny is that the other driver who suffered absolutely no damage at all had really no reason for informing his/her insurer but as they did, they will probably suffer an increase in premiums as well.

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