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    • yes when you get your N180 from the court. on the sols copy omit phone/sog/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
    • Just as UB says, he bailiff does not need to be invited in, but he certainly should have announced himself. i dont suppose he said what the enforcement was for?   The bailiff has to have a "reasonable belief" that the debtor resides at your address, if he is permitted to enter.   In the first post you say the Warrant was addressed to next door, is this your daughters property and did this Richard live at that address or your address.?   We should find out what the bailiff may say to try and justify his actions.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

NCB - can I reimburse for RTA costs?


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A friend had a very low speed bump with costs approximately £800 to replace plastic bumper on a small Ford car. They intended to pay privately but due to sudden bereavement within the family they had other costs and emotional things to deal with so let the third party go through the insurance. However, they did get the T.P to provide estimates first to know the exact damage they were claiming to protect escalating the claim. One of the garages advised T.P that they can claim for the child seat even though it wasn't damaged or affected in anyway by the collisison.

 

Having looked this up with the safety issues surrounding replacing child car seats they do say for very minor incidients that insurance companies dont replace them so they're hopeful that it wont incur an additional £250 to replace their child seat, as they said it cost.

 

What my friend would like to know is, are they able to reimburse their insurance company with the costs involved in order to reinstate their NCB? If this is possible, is there a timeframe which this has to be paid?

 

Seems rather expensive to lose 2 years NCB when accident costs were only about £1000 so they are trying to limit the financial damage for the future insurance premiums.

Edited by Shelley181146

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Short answer is no. 

 

And if they were able to do so, the claim costs may be much higher, if the third party is claiming for personal injury. Your friend would not be aware, if the third party is claiming for say whiplash. And once your friend accepted responsibility for the claim liability, they are then accepting whatever the claim value turns out to be.

 

Your friend just has to accept that the third party will claim whatever they are able to through their own Insurance and your friends Insurers will reimburse the third parties Insurers the relevant sums, once they are happy with the details of claim.

 

 

 

 

We could do with some help from you.

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I think Unclebulgaria is thinking about an ongoing claim, but, y

13 hours ago, Shelley181146 said:

 

 

What my friend would like to know is, are they able to reimburse their insurance company with the costs involved in order to reinstate their NCB? If this is possible, is there a timeframe which this has to be paid?

 

 

 

Once the claim is settled and the underwriters are satisfied no further claim will come in, yes they can. no real time frame as every claim is different.  Unless there is noise of a further claim an underwriter will close the claim down once all known costs are settled.

 

 

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Be aware though that even if the NCB is preserved it doesn't mean that premium won't go up. It's regularly reported on here that insurers increase premiums despite them not having paid anything out, even for no-fault accidents. Reimbursing the insurer's claims costs won't delete the accident from their records and it will still be recorded as 'fault' accident.

Edited by Ethel Street
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27 minutes ago, Mwynci said:

I think Unclebulgaria is thinking about an ongoing claim, but, y

 

Once the claim is settled and the underwriters are satisfied no further claim will come in, yes they can. no real time frame as every claim is different.  Unless there is noise of a further claim an underwriter will close the claim down once all known costs are settled.

 

 

 

The Insurers may not allow the policyholder to repay them the claim amount, if it is not their general policy to deviate from the normal process. The Insurers will no doubt have incurred admin costs in dealing with the claim and therefore just paying the third parties claim amount may not be satisfactory to them.

 

From my experience, although this is not bang up date, is that most Insurers will not accept repayment of the claim amount, in lieu of not reducing the NCB amount.

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

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Thank you your responses. I respect this could be a bit if a grey area, and that Insurance companies will vary but it gives them something to think about. I will suggest they leave it awhile to see if the claim gets closed and then ask the question.

 

I know many, many years ago it was feasible and they didn't penalise you afterwards like they do today. But I know they love making money........

 

Thanks again.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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