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    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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What's the finanical impact of no claim, accident reported for "information only"?


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Hi All

I'm was recently involved in an accident which the third party crashed into my car in a car park. 

The third party admitted liability and I have our conversation in social media to reinforced this fact. 

Having looked at the "damage" to my car the next day I found it’s barely a scratch and that I can easily T-Cut any visual imperfection. 

 

As per my knowledge, I called the insurance and informed them of the situation and it’s for “information only” as no claim is necessary.

The insurance said there was no need for me to call them unless I was claiming but since I called they would note it down in my records which I now need to declare for any future insurance I buy. Ultimately I don’t think I can even claim for the damage even if I wanted to as it’s too superficial.

 

The third party is happy to pay for the damage directly but other that my time and some T-cut,

do I need to factor in a possibility of my insurance cost going up next renewal?

Would it go up as I have reported it?

If so, how to I even calculate that if I’m not claiming?

 

In this situation feels like I getting financially penalised for doing the right thing and not at fault.

In theory the third party doesn’t have to declare to their insurance,

therefore no impact to their future premium.

 

Thanks you any advice in advance.

 

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No point in suing third party for possible insurance increase, as you cannot quantify this yet and you are expected to mitigate against such losses, by for example shopping around for cheaper Insurance. People have tried suing for losses suffered such as premium increases and have lost. It is more complicated than you would think it should be.

 

Best thing to do in this situation, is either forget about it or get a quote for repair and ask the third party to pay for this. 

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  • 2 weeks later...

the insurer will hike your premium because they use an algorithm for their computer that decides that your driving style is somehow to blame for other people's errors so they will decide that you must have parked in an awkward way or too near the road or on the wrong kind of tarmac etc.

What has the other party offered to pay? they certainly arent going to tell their insurers and if you take the car in for a quote it will be for £1200 for the replacement of some structural component that couldnt possibly get damaged so you have some leverage on the other party to reach a deal at around £100

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Well I got lucky in this case that the other party had moral integrity. I had a quote from a local body repair shop, send the quotation and other party pay me without any question on the same day. It could have gone a lot worst. Still I have no idea how this would impact my insurance premium next time so I can only hope this payment will cover this on-cost.

Edited by nightkid
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