it’ll be fault if there is no one to claim from, your no claims (not no blame) bonus will be affected. forget the police issue that’s irrelevant to the insurance contract.
unless you are to try and claim if the highways agency for not having adequate roads to deal with flood, it’ll be recorded as fault.
It’s just a term, don’t get hung up on the term, you’ll not win that argument.
Sorry, late ro the party on this but....
Given a breach of s86B gives rise to temporary unenforceability under the CCA until remedy and an inability to charge during the period of non compliance and considering that enforcement is held as being entering judgment What grounds are there for suggesting the DFN and termination are invalid?
Also if the DFN was somehow invalid what makes the termination invalid (Could it be treated as a simple termination of contract outside of provisions for breach)? In which case could it be unlawful?
Start line do appear shockingmy inept but if the initial termination notice is good, the later notices dont mean anything as you cannot rescind termination amd you cant terminate twice.
In my view Very complaint worthy on misleading consumers and s140a unfair relationships. Could be worth arguing that and that the appropriate remedy is to accept the vt they have by their conduct led the debtor to beleive was a right that available to her.
Also your proposed letter could be treated as abandonment were you to carry that out and leave the vehicle as suggested.
Send them a fully tracked letter repeating your request for the CCA. Point out that you have already paid for it in June – and enclose a copy of the postal order receipt – which I hope you kept – didn't you?
An update but a strange one. I have received a letter from HSBC stating my account is being transferred to Wescot and they will be contacting me. I received a letter from Wescot asking me to contact them to put in place a repayment plan which is acceptable to both of us, blah, blah, etc. I have had loads of texts and voice messages asking me to contact them which I have ignored. The CCA request last June seems to have disappeared! They cashed my postal order and credited it against my account but I've heard nothing else. I've not been paying them anything. What should I do next?
Best way to hit ‘em in the social media. Study their Facebook pages. Find the nice fake corporate responsibility posts like a video of them at some award for helping a charity out our something. Or how they have helped problem gamblers, make sure they have lots of views on said video or announcement.
Then you can lay into them , a with a concise, cutting post about what they did. You might have to keep repeating a few times on different posts , but eventually you may well get some joy.
I have a friend who is a master at this, I have watched and observed.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/