Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Dep Thx Eric's Brother. There was a person on this forum who told me his case was thrown out at the same court because of the contract. I requested more info, but he has disappeared since his case was dismissed.  I was just wondering whether it was worth whacking off a letter to IPS pointing out one of their members, using their logo, is making a claim based on illegal signage and other issues in contravention of their Code of Practice. Would they lean on VCS to withdraw, do you think?
    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
    • There are online forums for people moving from South Africa to the UK. This is one of them.   https://moveup.co.za/2019/03/08/how-to-move-to-the-uk-a-step-by-step-guide/   If you want to speak to a social worker you could try the local council.   HB
  • Our picks

Hair Bear

Car Stolen

style="text-align:center;"> Please note that this topic has not had any new posts for the last 328 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just into the New Year I obtained a second car for the wife.

It was a 2004 mitsubishi carisma DID.

 

Although it had 141K on the clock it was in immaculate condition and had a FSH.

It was cheaper for me to change my single-car policy to duel-car than she take out insurance separately, so that's what I did.

 

A week ago Thursday someone decided to steal it.

I rang the police, who asked if there was any cctv.

I told them where they could find it, and left it at that.

 

I rang back a couple of days later to find out if there was any progress, only to be told that they weren't actually going to go around to these cctv owners without my first asking the owners to scroll through and see if they could spot the baddie's registration or face. Fair enough, but why not tell me this as the time of the initial call rather than 48 hours later?

 

Since then I've discovered from one of the cctv owners that it was taken away on a white ford low-loader, the other owners are shop/pub people who said they would give information if the police go around but not deal with me directly. In short, I can't see me getting back the car.

 

So to the insurance.

How does this work?

 

I've informed them of the theft but said I wanted to see how things played out in terms of getting back the car before I put in a claim.

But I'm not sure it is even worth claiming for.

 

I valued the car at £700, but the insurance people might not think it is worth it.

Do they have to pay out what you valued the car at?

 

Also, I'm liable for the first £400, so even if they did pay out on my valuation, I would only be getting back £300

- okay if that's all you can get back, but how much would I lose in no claims?

 

Additionally, since I'm paying monthly, if they do pay out will I be obliged to finish paying off all the payments?

If so, it definitely wouldn't be worth claiming if i can instead simply revert to paying only for one car instead (currently i'm paying £84 a month for two cars, it was £38 a month for just the one), but then again, would I be allowed to change payments if i don't claim, and could I also stop the payments on the breakdown coverage?

 

Thanks in advance.

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

All the policy amendments are usually subjected to an admin fee, but I can't see the insurance company refusing to terminate the policy of a stolen vehicle whether you claim or not.

If you claim you will have to declare a claim when renewing.

If you don't claim you have to declare a loss.

One way or another, the quote's questions are designed to squeeze as much money as possible out of you.

You'll never win against insurance, so get what you can.

Share this post


Link to post
Share on other sites

you sure this was stolen?

sounds like an old logbook loan under a bill of sale by a previous owner and they snatched it back?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Whatever you decide to do , either claim or don't claim I up to you but I you pay your insurance monthly you will have to pay the full years insurance quote if you claim. Or you can cancel the policy and pay the cancellation fee if you don claim.

Alternatively you could buy another car and modify the policy.

Share this post


Link to post
Share on other sites
you sure this was stolen?

sounds like an old logbook loan under a bill of sale by a previous owner and they snatched it back?

 

dx

 

It was definitely stolen. I know the old owner and she's the most honest law-abiding person I know and is horrified that it was stolen.

Share this post


Link to post
Share on other sites

king12345;5175074" Your "I can't see the insurance company refusing to terminate the policy of a stolen vehicle whether you claim or not" is contrary to sgtbush's "you can cancel the policy and pay the cancellation fee if you don't claim." Both can't be right. any thoughts anyone?

Share this post


Link to post
Share on other sites

I'll rephrase it.

Of course you will be allowed to cancel the policy.

Why would you keep paying for a car that is not in your possession anymore?

Then, with insurance companies everything is possible

Share this post


Link to post
Share on other sites

Can anyone tell me how the no claims works. The insurance company said "You will lose five years if you claim, so your nine years will be down to four." I paid for the insurance through the Internet, and to the best of my memory it only offered up to nine years in the tick box. There are, however, some comparison sites that allow you to go up to over thirty years. I have been getting insurance with no claims for thirty years, so if my present company send documentation through that says I'm entitled to only four years no claims, how do I go about proving my claims should be (30 - 5) 25 years not four?

Share this post


Link to post
Share on other sites

Get proof

Use it with your new quote


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
Get proof

Use it with your new quote

 

Thanks, dx100uk

Share this post


Link to post
Share on other sites

What did your insurers say about the stolen car?  My understanding (I may be mistaken) is that if the stolen car is involved in an accident (and there is no other insurance on it) then your insurers will be potentially liable if your policy is extant.  I would have thought they would want you  to "cancel" it straight away..

And yes, AIUI, whatever you do, you still need to pay the full year's premium

Share this post


Link to post
Share on other sites
On 07/03/2019 at 16:06, Manxman in exile said:

What did your insurers say about the stolen car?  My understanding (I may be mistaken) is that if the stolen car is involved in an accident (and there is no other insurance on it) then your insurers will be potentially liable if your policy is extant.  I would have thought they would want you  to "cancel" it straight away..

And yes, AIUI, whatever you do, you still need to pay the full year's premium

So sorry I didn't reply earlier. They have now paid out.

  • Like 1

Share this post


Link to post
Share on other sites

Gret news.  Thanks for letting us know.


Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...