Hi guys I sent an S.A.R - (Subject Access Request) (shown below) to my insurance company on the 12th Oct 07, They have not responded or aknowledged my request. Do they have to stick to the same rules and regs tht the banks do ??.

How did you pay for the laptop ??? with a debit or credit card or cash. It will all boil down to proving who did the damage, But you should go back to the place you bought it and try to get the repair paid for by them. They already know it was not brand new, and there is a chance that it was damaged prior to being sold, You may be lucky and they might just offer a refund or offer to pay the cost of repair. It might be worth your while speaking to the repair firm working on you laptop and asking them for a rough guide as to how long the liquid has been in the machine, they will be able to tell if it's new spillage of long term damage. this will aid your claim against them. If worst comes to the worst and they really refuse to help you should have home contents insurance which will normally cover accidental damage. if you really don't get anywhere with the retailer, calim against you home contents, pay your £50 excess and get a new laptop.

Anyone ??

I have just looked at my experian credit report and have noticed that Thames credit have duplicated 3 items in a roundabout way. For example I owed Halifax £700, Halifax creditcard £1400 and Citibank £1600 The halifax £700 one says part settled and the others are still showing as old with an red number 8 I then have 3 seperate ones for Thames credit (who now own the debts)showing the same or similar amounts for the same debts. Is this allowed ?? Many Thanks

You should still be able to use your legal insurance if you need it to claim back any extras. I also drive a 325i BMW which is only marginally newer than yours, and I was hit up the back end a year ago, I just insisted that BMW did the work, but left the insurers to deal with the claim. The optional extras, were they fitted by BMW at the factory as an option pack ?? If so then they will not be classed as "extra value items" Stupid I know but thats how it works. You should be able to get the minimum parkers valuation, and your assesser will use that a s a guide, so if the car really is as good as you say it was, then you have nothing to worry about. The good thing about independent valuations is they are not trying to save the insurers money, so are usualy extremely fair

You need to check the Terms and Conditions of the policy with regard to Courtesy cars, many insurers state that once an offer has been made you have X amount of days in which to return the car. The down side to this, is that even if the offer is unreasnoable the countdown starts. If they insist on sending you the £2123 then make sure that it is clearly marked as an interim payment only and get them to add the £75 valuation on top. If the new valuation shows the car to be worth considerably more than their offer you will have a valid argument when it comes to them contesting the extended courtesy car hire. When you took out your policy, did you take out the legal protection ??

Hi Agree to an independent engineer, and insist YOU choose the engineer.

I am looking to contact anyone that has had problems with Directline Home insurance, NOT CAR INSURANCE. It appears that there are quite a few people that have had claims refused on unfair grounds. When Referred to the FOS, it seems everything becomes one sided. If brave enough to risk taking them to court then a whole new box of snakes is open, and you WILL lose out financially even if you win. Now this is not a single case scenario, this is happening time and time again and I have been approached by several other victims who are in the same boat. We are now getting together and checking the case similarities and will be taking action. So if you have been a victim of their underhanded and bullish methods you are not alone, But do please contact me on PM or via email on help@directline-hell.co.uk

As mentioned above, can you please clarify 100% who the actual policy holder was and if you were simply the named driver and not (as sugested above) the main policy holder. You may have a case that the original application was missleading or not plain english and may be able to have the policy avoided from inception date. Unless it states that the occasional or part time driver (the named driver) must not use their NCB on any other car then you shouldn't have a real problem. It is a well known fact that a main driver/policy holder you can use NCB on one policy only, but it is hardly known that as a named driver when asked if you have any NCB you can no longer use it on your own car and policy. What was the insurance Co ??

That's plain crazy, it's on your statment as a returned DD and not an overdraft fee, the overdraft fee is a seperate charge and a different amount. I didn't think it had ben legalised, just action against postponed indefinatly.

I have had a read through and done a search but can't really make head nor tail of what we can still request refunds for. My understanding is that the test case is based on unauthorised overdraft fees, what about returned direct debits charges at £30 a pop ?? My last statment shows 3 returned DD with a total charge of £90, is there any point in pursuing it ?? or does this come under the realms of the looming test case and as such will simply be laughed off by the Nationwide BS. Many Thanks

Hi Thanks for your reply Martin, I don't spose you have a link to that thread ?? Also, I know that the commision charges included the automated charges, but the statment does not show a breakdown of this information, I used to get a seperate commission breakdown but this information was not supplied by barclays when I SAR d them.

O SOd it, click on the 2 links below to see them. http://www.directline-hell.co.uk/Hfax.jpg http://www.directline-hell.co.uk/MS.jpg And yes the second one is really hard to read, that is a scanned of the full A4 page, and the tiny copy they provided is stuck in the centre of the page

Wel that worked well NOT !!, will niw have to work out how to make them big enough to see

Please find attached the 2 applications/Agreements I received. One if it was readable I think meets the requirements, the halifax one though I think is missing the several bits of information. Can anyone confirm ??

Just had a look at the other one HALIFAX, and it is an application, and I can not see anything on it relating to rates etc (sure i've read about this not being sufficiant) it does however say on the top in tiny letters credit agreement regulated by the CCA 1974. Do these count as a propper credit agreement ??

Well I guess they have had the fos COMPLAINT LETTER as this morning I got the Agreements through the post, although one of the photocopies is that bad it is totally unreadable, there is NO deed of assignment (does this make a difference) In addition they have sent a covering letter saying that 2 of their earlier letters (sent the beginning of june) were returned as undeliverable (is that a defence) as the CCA was sent in February so even if their June letters were returned (which I don't think they were) they were still 5 months later than the CCA request deadline. And still no compliants procedure. How do I stand ??

@TomTerm, I have not been able to go through the companies complaint procedure as they have refused to supply details of it, even though I requested it with a recorded delivery letter.

DOnt worry, I have just phoned the FOS and logged a complaint, even though they are not FSA members they will deal with them. WOO HOO

Can you confirm the the FOS will deal with complaints about companies that are not members of the FSA, as I was under the impression that they are only able to investigate and fine companies that were FSA members.

and the FOS will deal with it even though they are not regulated by the FSA

No, I didn't even get notifiction it was going to court, first thing I knew about it was when a court bailif arrived at the house.

I was a sole trader, and the overdraft was agreed (and had to sign a seperate agreement to get it) but cant find a copy of the agreement form, it was £1000 overdraft. All I have got back from Barclays after SAR is statements, but they have have not detailed the "commission charges" just every month there is a debit for commission, which includes any bank charges.

So what act would I be covered under, does it mean that a business account is a lawless account ??

OK Not sure if this is possible but, I made a ffs with a DCA last year for a credit card debt that had got a CCJ on it. it was for £6k and and got it down to £2k. as it had a CCJ on it I couldn't really get out of paying it so thought the best option was to go for FFS My thing is this, if the company obtained the CCJ and didn't have the correct paperwork when the judgment was made (about 4 years ago) could I now go back to them and request this information, and if it was not available go back to the court and contest the judgment. Many Thanks