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    • I asked you to megre them to one file  they are all in your last post now   dx  
    • Slick, the insurers involved are Swinton and I took the policy after doing a comparison search to see who would come in at the best price.  I would pressume that if they are aware of my notification but no claim then so would all the other companies be, an expensive lesson to learn.
    • Well I've looked through the letter – and is extremely complicated – but I have to say that it's an amazingly well laid out and well structured letter – and it scares the hell out of me! I think it would be very helpful if you could possibly distill it into a rather more brief bullet pointed chronology. Also, you refer to various clauses in their terms and conditions. Maybe you could reproduce these here. Use our quotes function as it compartmentalised its things and makes it all much more easy to follow.   But I gather that you set up a business account in your company name and they seem to have been treating it as a personal account – although I'm not too clear what difference that has made. They then suspended the account because they say that you had been abusing it and were in breach of a contractual term. You deny this By suspending – rather than closing the account, they were able to say that you owe them the entire rest of the charges until the end of the contractual term. – A very convenient approach from Vodafone. Then Vodafone made an entry on your personal credit file – even though it was a business account. They then send it out for debt collection – and eventually Lowell's sole sense. Apparently Lowell remove the default and cleaned up your personal credit file – but wouldn't it have been for Vodafone to do this? If you could layout the chronology please to begin with – and then maybe in a subsequent post you could address the questions that I have put. From the sounds it I think that you have got quite a good case for complaint although I understand that they have now paid you some level of compensation – with this made subject to any conditions such as full and final settlement et cetera? I would suggest that you send Vodafone an SAR immediately – and also one to Lowell. There free and so you might as well get them off as quickly as possible. Basically want everything – including recordings of conversations, notes, screen notes, correspondence – internal and external – and anything else – on any matter whatsoever. All data that they hold on you  
    • I'm trying to go through your story in your opening post – but it's pretty long so it will take some time.
    • If you phone an Insurers about a possible claim, they will make a record of this.  There would be an open claim event record and even if you decided to not bother continuing with the claim, the claim event would still be on your Insurance records.   The Insurers are probably correct that with this claim event record with zero being paid out, that they would charge you an extra £60 per year. The Insurers calculate risk based on all information and this claim event is seen as an indicator that the risk has increased.     Insurers from statistics believe that once one claim event has happened, there is an increased chance of there being another claim event.  You may have heard the expression, "bad luck runs in threes" or heard people saying that they have not had an accident for years and then in a short space of time they had suffered several accidents.
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Uncle buck/moriarty law claim form

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Hello guys, 

I have received a claim form with the below details. Do I have many options.

Is the fact that its with the ombudsman enough to ask for a stay.

If I state I intend to defend the claim, can I still pay it. The extra 14 days should be enough to raise the cash if need be.


Name of the Claimant ? Uncle Buck Finance LLP

Date of issue – 28 Feb 2019
What is the claim for – the reason they have issued the claim? 
The defendant owes the claimaint £1086.27 under a regulated loan agreement with Uncle Buck Finance LLP dated 30/03/2018 (debt).

Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £1005.81 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £80.46

What is the value of the claim? £1236.27
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL
When did you enter into the original agreement before or after 2007? after 2007
Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Creditor
Did you receive a Default Notice from the original creditor? Yes
Have you been receiving statutory notices headed "Notice of Default sums" – at least once a year ? Notice of sums in arrears
Why did you cease payments? Was increasing borrowing from multiple sources to cover increasing interest, until I couldn't afford any and stopped

What was the date of your last payment? 31/08/2018
Was there a dispute with the original creditor that remains unresolved? IRL complaint ignored, forwarded to ombudsman
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes, set up a payment plan for £50 a month, but couldn't afford to make these payments for a couple of months.

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I have received a claim form with the below details. Do I have many options.Defend it and put them to strict proof to have all the paperwork

Is the fact that its with the ombudsman enough to ask for a stay. No

If I state I intend to defend the claim, can I still pay it. The extra 14 days should be enough to raise the cash if need be.Yes



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