Jump to content


  • Tweets

  • Posts

    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
    • A body representing 290 airlines warns it will be 2024 before air traffic reaches pre-pandemic levels. View the full article
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • 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
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      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 .

Insurance cancellation - advice required.


Recommended Posts

I had motor insurance cancelled by car insurer several days before it was due to start because they said I did not meet the underwriting criteria. They refunded the policy.

 

I was worried about needing to declare the cancellation to other insurers in the future which would greatly increase premiums. The insurer however told me the cancellation did not need to be declared to other insurers. The advised that the information would not be shared with any databases for other insurers, so other insurers would be unaware.

 

However some time later I checked the MIB MID and lo and behold the policy details were in fact registered there with the policy start date showing as the date it was originally supposed to start and ending on the same day.

 

I complained to the said insurance company who are now refusing to have the policy details removed from MIB despite their prior assurances that the policy details would not be shared.

 

Do I need to declare the cancellation to other insurers despite what the insurer is saying and also how do I get this entry in the MIB removed?

Link to post
Share on other sites

No you don't need to declare cancellation.

 

The MIB entry was simply to register the car being Insured from the start date and that it had ended.

 

So you can simply just arrange alternative Insurance.

 

Many people misunderstsnd the question in regard to cancellation. The question is whether you have ever had insurance cancelled. What Insurers really mean by that is that you have had an insurance cancelled because Insurers believed you had deliberately given wrong information, there was an attempt to commit fraud or you failed to disclose information so could not be trusted.

 

As long as Insurers have confirmed in writing that you do not need to declare cancellation, then you are safe not to mention it to other Insurers.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
  • 1 year later...

I had my motor insurance cancelled by a car insurer several days before it was due to commence/go live, back in 2018, because they said I did not meet the underwriting criteria. They refunded the policy which had been paid in full.

 

Despite the policy never being incepted I was still worried about needing to declare the cancellation to other insurers in the future which would greatly increase premiums, however the insurer told me in writing that the cancellation did not need to be declared to other insurers. The policy was never incepted and not at risk. They also told me in writing that the information would not be shared with any databases for other insurers, so other insurers would be unaware.

  

However it was pointed out to me by someone that a future insurer could argue that it’s not for the previous insurer to decide what should or shouldn’t be disclosed to any future insurer.

 

I don’t know if this is a legal, fair or valid point of view which I should be concerned about.

 

Currently I’m not declaring the cancellation when getting quotes online in the comparison engines. Am I safe to continue?

 

Many thanks in advance.

Link to post
Share on other sites

old and new threads merged.

 

don't think you are doing anything wrong no?.

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Many Thanks. Do you have any thoughts or observations on the specific point below?

 

"...However it was pointed out to me by someone that a future insurer could argue that it’s not for the previous insurer to decide what should or shouldn’t be disclosed to any future insurer."

Link to post
Share on other sites

Yes a future Insurers could argue that a previous Insurers statement, that you do not need to declare something to future Insurers could become an issue. 

 

But it would have to be something that presented a significant risk factor to a new Insurers. For example, if your previous Insurers stated that you had claims with the wrong date recorded, but they could not amend their systems and that you did not need to tell future Insurers, that might cause you a problem.  As you might declare the correct date of claims and this then clashes with the claims data recorded by previous Insurers. Could then stop you receiving quotes. The wrong claim dates may affect the premium calculation.  The wrong claim dates issue may cause an issue with future claims, if the Insurers picked up the issue.

 

My experience is that I would never tell a customer to not disclose something which was going to cause a problem with future Insurances. Cancelling a policy due to a customer not meeting an Insurances companies underwriting criteria is not a recorded cancellation which would cause a problem with future Insurances. Sometimes a customer then mentions the cancellation to another Insurers because they think they have to declare everything and they come back asking for a letter explaining cancellation reason. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...