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    • just to update, i have received a letter this morning from Arrow Global-   We thank you for your letter and acknowledge your request for documentation pursuant of the consumer credit act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested.We will now process your request for documentation from the creditor and will respond in due course. We confirm that all collection activity will be suspended pending provision of the documents.   So i assume Arrow have not bought the debt and are collecting for either another DCA or indeed the origianol creditor in this case would be Marks & Spencer. not sure to as if this is good news that they have not produced it or bad news they may be going back to M&S,Can anyone chuck some light on it for me   Many Thanks to all
    • Hello. I'm asking a question regarding paying a PPI company. I won't name names, unless anyone thinks it's relevant. My partner made a claim to a PPI company a few weeks before the deadline. He received a letter from Lloyds asking for authority for them to act, which he supplied. A couple of weeks later, rather unexpectedly, he had a letter from Lloyds with an offer, which he accepted. He's now received the payment. In all of this time, he had nothing from the PPI company apart from the odd text, asking him to keep them informed if he heard anything. He scanned the letter with the offer from Lloyds and emailed it to them as requested, expecting them to invoice him, he has no intention of not paying, even though they seem to have done next to nothing. This week, he receive 2 letters from them containing 3 forms in total, for him to complete, checking his details as Lloyds told them there was an error. I've advised him to ignore the form, since he's been paid & is just waiting for them to claim the money from him, and if they're so inefficient, that they ignore emails virtually offering them money, they might forget about it altogether! Is this the right course of action? He's concerned they'll take him to court for not paying, but I don't see how they can, when they've never even asked for any. Any advice greatly appreciated.  
    • I think you should have included the letter in your bundle to VCS and the Court. That way I would think VCS would not wish to go to Court as they would have to admit that they had been issuing PCNs for several years having no contract to do so. Completely blowing out of the water their statement that they  adhere to the Code of Conduct. As they haven't and also lied in their Witness statement, it should be pointed out that they should not be able to access the DVLA for motorists data when they have breached the Code for so long . It should also be pointed out their other misrepresentation. as I pointed out on post 123 and 126.
    • Thanks for all your help so far, it's appreciated. Received the notice of allocation to the small claims track from my local court with the following page being directions. First and foremost it reminds them to pay a fee. I'm PC savvy so I'll post up a copy of the letter with details removed a bit later.
    • grr.. THEY ARE NOT BAILIFFS they cant enter any property or do ANYTHING.    
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prang

car accident

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Hello

 

Advice required please.

 

I had an accident and reported as information only (no claim as yet)

 

I was hit in the rear and its been deemed no fault to me and will not affect my NCD and the excess will be waived. (but as i say no claim as yet)

 

I had the car assessed by my insurance - its roadworthy and not a write off if I have it repaired (which does surprise me) OR I can take the value of repair costs and then walk away.

 

What do i do?

 

 

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Whatever you prefer.

If you can live with the damage, for example a dent which doesn't compromise the integrity of your car, then you could take the money and save it for rainy days.

Otherwise if the damage must be repaired, let the insurance pay for it.

Your call really.

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Insurers don't make cash settlements generally and insist that they only way they will settle is payment to the repair garage.

 

Suggest you have the repair done, as if another car hits you in the back, they will say the damage was already there.l

 

Also it can happen if you are unlucky. Someone in a car park sees your damaged car and makes a false claim, that you reversed into them.  Seen examples of this where a car drives into another parked car and then drives away. The damaged car owner then looks for another car with damage and takes a note of the reg no. 

 

Further, until a garage works on your car, you won't know whether there is hidden damage not seen by Insurance assessor. 

 

A few possible reasons why a repair is advisable.


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A look around any area in the outskirts of london would find thousands of scraps being driven around. 

Sometimes people prefer to keep the damage because other inconsiderate drivers keep on scratching and denting cars.

I gave up on fixing my right front wing when for the 3rd time i found it dented in a car park.

It's been dented since.

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On 15/08/2019 at 16:52, king12345 said:

Whatever you prefer.

If you can live with the damage, for example a dent which doesn't compromise the integrity of your car, then you could take the money and save it for rainy days.

Otherwise if the damage must be repaired, let the insurance pay for it.

Your call really.

Forgive my ignorance but the repair quote is %73 of the car value the assessor also gave me so why is it not a write off if I claim? 

 

Also if I take the repair 'cash' will the no fault claim affect me in future in terms of renewal price either with my current insurer or elsewhere? 

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I don't know why the insurance would give you cash instead of insisting on repairs.

most likely they don't want any trouble with botched repairs and by giving you cash they wash their hands off.

As you said, it's 73% of car value, so why would they write it off and give you more money? (100%)

Your premiums for the next 5 years (3years for some insurance companies) will be higher, doesn't matter if it's your fault or not, if you claim or not, they hike your price as soon as you report anything that they consider an accident.

This includes cases of small touches, no damage no claims from anyone, but they still charge you more and you must disclose.

Don't you love insurance companies???

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Posted (edited)
On 17/08/2019 at 20:29, king12345 said:

I don't know why the insurance would give you cash instead of insisting on repairs.

most likely they don't want any trouble with botched repairs and by giving you cash they wash their hands off.

As you said, it's 73% of car value, so why would they write it off and give you more money? (100%)

Your premiums for the next 5 years (3years for some insurance companies) will be higher, doesn't matter if it's your fault or not, if you claim or not, they hike your price as soon as you report anything that they consider an accident.

This includes cases of small touches, no damage no claims from anyone, but they still charge you more and you must disclose.

Don't you love insurance companies???

 

Surely if I claim, the cost of getting insurance next time has to be more than if I had only reported it as an accident?

Are you saying it would be higher by the same amount if claiming or not?  It is just plain wrong. Why on earth would one report it as an accident? Its clearly flawed.

 

If thats the case I may as well just raise a claim!?

 

 

Edited by prang

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Exactly. 

In my experience the difference between a notification only and a full whack claim with personal injury is very little. 

Same for fault or non fault accident,  very little difference. 

Keep this in mind, insurance companies are not your friends, they're there to make money.

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27 minutes ago, king12345 said:

Exactly. 

In my experience the difference between a notification only and a full whack claim with personal injury is very little. 

Same for fault or non fault accident,  very little difference. 

Keep this in mind, insurance companies are not your friends, they're there to make money.

 

Anyone else have an opinion on the cost of getting insurance in future if I do/do not claim and just leave it as information only?

 

What is the advice, pitfalls to be aware of if I try settle this privately or direct with his insurer?

 

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Sounds like the third party Insurers have accepted fault and anything you claim, will be reimbursed to your Insurers by the third party insurers. So you should not have any no claims discount reduction.

 

it is then a question about risk loading to your policy, which is an extra amount as you are seen as a greater risk. You may call it being unlucky being hit by another car, but Insurers think your bad luck is on balance likely to continue. Sorry for the bad news !  

 

Ever heard of the saying about bad things or bad luck happening in threes. Statistics suggest that one accident can often lead to further accidents. It just happens this way.  I have known a number of people say that they have had several accidents in one year, when they had no accidents in 30 years of driving.  

 

As a guess, your premium may increase by 10 to 20%, plus the Insurers normal rate increase. This may happen for the next few years, but may be less if you qualify for any more no claims discount.

 

Make the claim and ensure that your Insurers make the recovery from third party, so your no claims discount is not reduced


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

 

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16 hours ago, unclebulgaria67 said:

Sounds like the third party Insurers have accepted fault and anything you claim, will be reimbursed to your Insurers by the third party insurers. So you should not have any no claims discount reduction.

 

it is then a question about risk loading to your policy, which is an extra amount as you are seen as a greater risk. You may call it being unlucky being hit by another car, but Insurers think your bad luck is on balance likely to continue. Sorry for the bad news !  

 

Ever heard of the saying about bad things or bad luck happening in threes. Statistics suggest that one accident can often lead to further accidents. It just happens this way.  I have known a number of people say that they have had several accidents in one year, when they had no accidents in 30 years of driving.  

 

As a guess, your premium may increase by 10 to 20%, plus the Insurers normal rate increase. This may happen for the next few years, but may be less if you qualify for any more no claims discount.

 

Make the claim and ensure that your Insurers make the recovery from third party, so your no claims discount is not reduced

 

What is the advice, pitfalls to be aware of if I try settle this privately or direct with his insurer?

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You have already notified the insurance, so settling privately won't change anything. 

Your insurance shouldn't sustain any cost as explained by unclebulgaria.

As he said, just make sure they recover the costs from other party insurance and you keep your ncb.

Unfortunately it is not possible to avoid a price hike for the next few years, I have been there and it's extremely frustrating,  but nothing anyone can do about it. 

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