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    • It's better to keep advice on the open forum for everyone's benefit. Maybe you could post up the correspondence in a single pdf document and cover up your personal details, reference numbers and so on? HB
    • Hi on the notice of disqualification it lists the 2 speed offences and marks offence withdrawn? This is for both offences and then the other 2 is the MS90s which I’m fined for and the additional costs. R
    • Hi,    It has taken a while, but I have received an email from Auxillis -  hello, we are not dealing with this claim all we do is log accident for you isnurance - the claim has been passed to your underwriter markerstudy 0344 873 8183 as they are deal with fault cliams ion behalf of adrian flux. thankyou auxillis   I have made repeated attempts to phone Markerstudy in between working from home, struggling for energy and trying to find a cheap car so that I can keep my job (community support worker). Thankfully I have a supportive team and I am being given phone calls to make but it cant last too long. I had a severe migraine over the weekend and also have quite bad whiplash in my neck and back.    I found this in my insurance policy booklet -    Protection and Recovery If the insured vehicle cannot be driven following an incident leading to a valid claim under this section, we will pay: • the cost of its protection and removal to the nearest approved repairer, competent repairer or nearest place of safety; and • the cost of re-delivery after repairs to your home address; and • the cost of storage of the insured vehicle incurred with our written consent. If the insured vehicle is damaged beyond economical repair we will arrange for it to be stored safely at premises of our choosing. You should remove your personal belongings from the insured vehicle before it is collected from you. In the event of a claim being made under the policy we have the right to remove the insured vehicle to an alternative repairer, place of safety or make our own arrangments for re-delivery at any time in order to keep the cost of the claim to a minimum     I do about 20-25000 miles a year with the work I do, I have been getting quotes and putting that I have now have one accident and no no claims bonus and the cheap quotes from similar companies to markerstudy are more than double what i paid last year at 8-900 and aviva is offering 2600 which is simply out of my price range and more than the car i am looking at.  I am starting to wonder if it is even worth going ahead with the claim as i have no one to claim from. I have had no information from any of the enquiries I have made.  I have a full tank of vpower diesel in the car in the impound, i can strip it for parts and probably make what I will be offered by the insurance payout and get the money quicker.  As I have made contact and started the process can I back out, still keep my NCB and a claim free history? Also what happens with my injuries? I don't think there is any permanent damage but my dr refused to see me and just gave me a boat load of naproxen and codeine. What happens in the future if things don't get better and I cancelled this claim? Can you claim injuries off your own insurance because the other guy ran and you cant find him? I have tried to ask these questions off markerstudy but they keep me waiting for nearly an hour then end the call.    Thank you for your time and help.  It is really appreciated.  I am quite honestly on the floor, I have been really ill, in hospital, had nearly 6 months off work and only been back full time a few weeks and now this.  The fact the company you pay large sums of money to look after you in a time of need is also behaving criminally just makes you want to give up.    
    • Thanks for the response. Am I able to send you the documents I’ve received or can you message via instant message and I’ll send these? Reece
    • Regretfully it does. Have you actually seen any papers which show what you were charged with (rather than what you were convicted of)? It is unusual not to be “dual charged” but if you were not charged with both, you are where you are. If you had been charged with both offences and providing you were the driver at the time, you could, after performing your SD, have asked the prosecutor to drop the “Fail to Provide” (FtP) charges in exchange for a guilty plea to the speeding charges (you cannot be convicted of speeding unless you plead guilty as they have no evidence you were driving). You will have difficulty defending the FtP charges. In fact, it’s worse than that – you have no chance of successfully defending them at all because the reason you did not respond to the requests is because you did not receive them and that’s entirely your fault. No it’s not correct. Six months from 18/11/23 was 18/5/24 so, unless they were originally charged, the speeding offences are now “timed out.” There is one avenue left open to you. If you perform your SD you must serve it on the court which convicted you. You will then receive a date for a hearing to have the matters heard again. Your only chance of having the matters revert to speeding (and this is only providing you were the driver at the time of those offences) is to plead Not Guilty, attend court. When you get there you can ask the prosecutor (very nicely, explaining what a pillock you know you were for failing to update your  V5C) if (s)he is prepared to raise “out of time” speeding charges, to which you will offer to plead guilty if the FtP charges are dropped.   This is strictly speaking not lawful. Charges have to be raised within six months. Some prosecutors are willing to do it, others are not. But frankly it’s the only avenue open to you. There is a risk with this. I imagine you have been fined £660 (plus surcharge and costs) for each offence. The offence attracts a fine of 1.5 week’s net income and where the court has no information about the defendant’s means a default figure of £440pw is used.  If the prosecutor is not prepared to play ball you can revise your pleas to guilty. A sympathetic court should give you the full discount (one third) for your guilty pleas in these circumstances but they may reduce the discount somewhat. The prosecution may also ask for increased costs (£90 or thereabouts is the figure for a guilty plea). So it may cost you more if you have a decent income (I’ll let you do the sums). But MS90 is an endorsement code which gives insurers a fit of the vapours. One such endorsement will see your premiums double. Two of them will see many insurers refuse to quote you at all meaning you will have to approach "specialist" (aka extortionate) brokers. So you really want to exhaust every possibility of avoiding MS90s if you can. One warning: do not pay solicitors silly money to defend you. Making an SD before a solicitor should attract just a nominal sum (perhaps a tenner). That’s all you should pay for. You have no viable defence against the FtP charges and any solicitor suggesting you have is telling you porkies. The offer to do the deal is easily done by yourself and you can save the solicitor’s fees to put towards a few taxis and increased insurance premiums if you are unsuccessful. In the happy event you find out you were "dual charged", let me know and I'll tell you how to proceed. (Seems a bit odd hoping you were charged with four driving offences rather than two, but it's a funny old world!).    
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Average gas consumption 3 bed detached?


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Hi folks,

 

I know this would depend greatly on size, but I'd be intrigued to hear from anyone that has a 3bed (or even 4 bed) detached as to their average units per month

 

Just had my BG bill and for one month they are quoting 180 units (this checks out on the meter)

 

I find this usage very high as it is a new build, quality house (local builder, recognised for its energy efficient builds with triple glazing, mega loft insulation and wall insulation, thermostat on all radiators, ultra modern boiler, etc)

 

There is only myself and the mrs in the house, hardly use the heating (2 hours AM, 3 hours night - same times for HW on thermostat)

 

All upstairs radiators on absolute lowest therm setting

 

 

The mind boggles!

 

 

 

Many thanks to anyone that can take the time to post their stats for a 3 or 4 bed detached (approx age of property would be handy)

 

 

:)

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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20th April to 19th May Weather now becoming warmer I would expect 6units per day from your Metric [correction]volume meter 30 days times 6 equals 180 units you now multiply this times 10.95 180 x10.95 = 1971 kilo watts used Now the readings for FEBRUARY could be 9.70x28 days=271.6 units now times it by 10.95 to change it to kilo watts=271.6x10.95=2974.02 kilo watts August daily units 1.1 x31days=34.1 total for August= 10.95 changing to kilo watts 34.1x 10.95=374 kilo watts BG ARE CORRECT AND YOUR USEAGE IS CAREFUL

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Hi G,

 

thanks for that

 

Anyone else care to chuck a reading in?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Between the 6th March and the 29th May, I used 73 cubic units in my house. Its a 3 bedroom detached, built 20 years ago, fully double glazed and reasonably well insulated. Npower have just adjusted my monthly payment down to £34 a month (down from £40).

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NowTHAT is just the kind of example I'm talking about - mine seems ridiculously high

 

Thanks Rob

 

Anymore with anymore?

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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To Rob S 6th March to 29th May [84 days nearly 3 months] gives .869 units daily [no chance if meter is a metre cube one] It would seem with these figures yours is a foot cube meter If it is then this figure to be multiplied by 31 for kilo watts ie 73 times 31 equals 2263 kilo watts at say 2.5 pence a kilo watt £56.57 too low and so is 73 cubic units this is based on for [84days] nearly three months still winter weather. now 2.46 is conversion of .869 to metric 2.46 metre cub volume or .869 ft cub volume is too low an average daily figure to heat 3/4 bedroomed house as ncf 355 found out even with warmer weather this month 73 units would seem hot water use only [[73 cubic units]] needs checking out it does not tally with n powers £34 a month new figure or from the £40 which is good.

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George, Npowers gas rates will go down next month so they have probably factored that into the new repayment. Their figure of £34 was based on their estimated reading which came in at 89 cubic metres over a shorter period (6th March - 24th May). My meter reading was taken on the 29th and showed the consumption of 73 cubic metres.

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To Rob S You are a winner regarding useage costs but most would find the gas consumption too low for winter heating consumption and many would not get away with having only to pay [£34] a month for the next twelve months without an amount owing come year end. Anyhow this is good for you and I hope it works out. It's just such a low figure as the reading started from March. [Now] .869 cubiic cannot be for meter cube as I indicated above but would apply to a foot cube meter as indicated by N power's [£34] a month and then the .869 units above would be multiplied by 31 to give Kilo watts and [not] 10.95 if it was a cubic metre volume meter. You'd be on a £10 a month figure with .869 useage daily .

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George,

 

I am fortunate with the bills. I have lived in this house for just over a year now, so we have been able to assess our usage and bills effectively. Npower started us off at £40 a month, but in light of the first years billing they reduced it to £34. We did actually get a refund on our payments during winter because we had built up a big surplus. I know most peoples gas and electric bills come out at about £1000 a year so with ours being £650 we are very fortunate. I guess its one advantage of being a fat b'stard as I don't need it on as much!!:D

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Couldn't tell you off hand how many units I am using (bills at home but could provide details) gas is £122 per month and elec is £59 per month !!!!!!

 

3 bed detached Victorian.

 

I have queried it time and time again BG say its correct and thats avergae for my house. I will persue though ............... especially as when i moved in the house it had prepayment meters and the guy i bought the house off offred to show me how to fiddle the meter !!!!!

 

I had the meters changed and told BG about this - still not intersted !!

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British Gas? That would explain your bills, as they are one of the most expensive suppliers out there. Get on to Uswitch or Moneysupermarket.com and start comparing your costs with other companies.

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Live in 1 bed flat, out at work 5 days a week and paying £55 per month for gas alone. Considering i only have heating on for an hour in morning and 3 hrs max in evening it still seems excessive when electric on a prepayment meter is only £5 per week.

When i queried the fact that i not only didnt receive the 25% discount for switching to NPower, was told that it was def correct and should consider wearing warmer clothing!

Incidentally, my sis lives in 3 bed semi with 3 kids so heating on constantly and she only pays £35 pm for gas

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WB,

 

that just cannot be right

 

Insist the meter is checked, but also check your supplier against others, as mentioned above via USwitch

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Consider your daily gas units If only one unit used and your meter is a foot cube volume meter then kilo watts used is 1 times 31 equals 31 kilo watts If the meter is metre volume cubic metre multiply by 10.95. One unit times 10.95 =10.95 kilo watts used Check your daily useage and use your own figure not [one as above] multiply by 31 or 10.95. Do this for a week or a month then multiply by cost 2 pence per kilo watt or whatever yours is. You cannot gestimate. Do this for a year if you wish yours could be 20,000 kilo watts yearly + or minus 5,000 kilo watts and monthly cost £45 + or minus £5 Electric meter readings [as you are aware] are already in kilo watts and could be daily 12 kilo watt units + or minus 3 or whatever. and yearly kilo watts could be 4,000 kilo watt units + or minus 1.000 kilo watt units Monthly cost £40 + or minus £5 Unit electric cost could be 9.5 pence per kilo watt or less.

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Interesting to read comments about British Gas (BG). Disgusting you were told to wear warmer clothing Whirlybird. I moved into my tiny 1 bed flatfrom 3 bed bungalow and found a BG prepaymenr meter. Have had financial problems due to illness etc and now have poor credit rating so decided to keep meter. Last winter I ws paying between £15 - £20 per week depending how long central heating was on. (Still cold!). Cost higher than when living in bungalow different supplier mind you. The cost has come down slightly and of course usage lower as it is warmer. BG sent statement of account showing that I was in credit by some £140 but I have heard it is really difficult to extract a refund. Would be grateful for advice about claiming refund and changing supplier if possible. I know I should phone BG but I have had such a difficult time with finances that I dread using a phone.

 

Cheers

Linjie ;-)

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Your starting point is to phone them up. Until you take this step you don't know if they will be difficult and make you fight for your money or if they will refund you without a quibble.

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Thanks you are right will phone tomorrow - it is time to stop being defeatist. Am also organising a credit rating report and depending on result will seek another supplier.

Linjie ;-)

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Phoned them up apparently they don't owe me money. Seems that they estimated my consumption of gas and thought they would titilate me by saying they owed me money. Next step look at the actual meter reading I took when I moved in and work out what my consumption has actually been based on current meter reading.

Linjie ;-)

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  • 4 years later...

:?:my step daughters mother is currently paying around 60 per month on a prepayment metre. iam not sure what company she is with i know its not bg . she was told it would be cheaper but has found the costs rising greatly over the last few months.last week she was away and the house was empty the heating was set on a timer for the animals.but still in that week 12 was used from the metre.its a 2 bed small house with gas water and heating and gas cooker.she lives alone with one child.and dosent use the gas excessivly.but at 60quid a month this seems awfully steep for a single mother on benefits .please could anybody give a average price for gas on metre.for a similar sized house and family.

thank you.:wink:

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